If you don't ask, you don't get .......

chipmunk

I've not yet filed my claim with Abbey for a refund of charges because I'm still waiting for some copy statements.

However, I have just checked my account on line and I have been charged £30 for a rejected DD and £20 for an unauthorised overdraft (of £1.10!).

Anyway, I rang our friends in the call centre in Bangalore (or wherever) and requested that they refund these charges pronto as, I am sure they are aware, the charges are unfair and not enforceable in law. I was asked to hold a short while and Bingo ! - £50 quid back in my account in the blink of an eye (already showing on my online statement as well). :j

Got a little pep talk from her about making sure that my account is conducted in a manner so as to avoid further bank charges and that this refund was a goodwill gesture :rotfl:

Can't wait till I get all my info together re. past charges and then I'm really gonna whoop their !!!!!!


Chipmunk

MORPH3US

But why continue to opperate your account in a manner that incurrs these charges if you are fully aware of the charges that will be applied?!?!?

Regardless of whether the charges are legal or not, there is one very easy way to avoid them and its stop having bounced DD's / unauthorised OD's!



M

mistyarthur

We all make mistakes don't we? and £1.10 is hardly overdrawn so I think it should be the bank ashamed of the way it keeps its accounts not the op!

calleyw

I agree that £20 for going over drawn by £1.10 if a lot and think that bank charges are rather high.

BUT and the big but is that you signed up to terms and conditions when you opened the account. And as the t+C's change you will get sent new paper work with new charges on them. So you are aware of them before you start.

And it seems that the OP has not just had the odd accidental over drawn charge. It seems like a lot more as they are claming back charges.

Charges need to be fairier. So if you go overdrawn by £1.10 they say charge you a £5 rather than £20.

That is why you should a cash book or spreadsheet so you can see what is going on and if you think you are going to have problems you can move money around to avoid the charges.

And yes I have had the odd charge but normally got it back because I am such a good customer and it something that rarely happens to me. Because I keep a check on my banks accounts.


Yours


Calley

MORPH3US

calleyw wrote:

And it seems that the OP has not just had the odd accidental over drawn charge. It seems like a lot more as they are claming back charges.

That is the key here!

I've done it myself a few times, but people should learn their lesson and if not, pay the penalty.

If banks can't charge for unauthorised overdrafts then they will just stop them all together and then instead you will get all your DD's bounced which will leave you in sh*t with your mortgage provider, mobile phone provider etc etc.

chipmunk

MORPH3US wrote:

But why continue to opperate your account in a manner that incurrs these charges if you are fully aware of the charges that will be applied?!?!?

Regardless of whether the charges are legal or not, there is one very easy way to avoid them and its stop having bounced DD's / unauthorised OD's!



M

Thanks for your reply Morph3us. Let me try and "unconfuse" you. Can you please point out where in my post I said that I was going to "continue" operating my account in a manner that incurs charges (now I'm confused!)

Not that it's relevant, or indeed any of your business, but FYI, this is the first time since 2002 that I have incurred any charges on my accounts and was due to a slight oversight on my part.

For the past four years, I have operated my account in an exemplary manner, but there was a time previous to this that I didn't.

The reason for my post was to advise fellow forum members that it may not always be necessary to automatically go down the route of suing the bank without requesting they refund charges, especially if it was only a one-off "misdemeanour". That is not to say I do not applaud those who do choose the court route (I fully intend to do this myself eventually).

I thought your reply was totally based on your mis-assumptions and slightly houlier-than-thou.

Chipmunk

MORPH3US

chipmunk wrote:

Not that it's relevant, or indeed any of your business,

I thought your reply was totally based on your mis-assumptions and slightly houlier-than-thou.

:rotfl: :rotfl: :rotfl:

Holier than thou, me?!?

I didn't say you were GOING to continue to, I said you HAVE continued to....

My point was, you have been charged for this in the past and are taking them to court for this, fair enough, yet you have just this week been charged again knowing fully that you would be charged for it, THAT is continuing to opperate your account in "this way".

Like you said, its none of my business and to be honest (and I mean this in a nice way), I don't care what you do with your account. I was just curious. I mean why not just make sure your account is always in credit / has enough in to cover any payments etc and then it saves you the cost and time of phoning them up to get it refunded (assuming they will continue to refund it) and then the cost of taking them to court etc etc!

M

chipmunk

MORPH3US wrote:

That is the key here!

..........will leave you in sh*t with your mortgage provider, mobile phone provider etc etc.

Oh, and by the way, I don't have a mortgage as I have been paying one since I was 17 years old and it is now paid off. :T, I don't have a mobile phone and I don't use credit either .............

You shouldn't make assumptions about people you know nothing about. . This applies to other posters who have made an incorrect judgement as well.

frepol

GIven that you have run your account well for the past 4 years, I think this is why they have rolled over on the charges this time. I'd say that you'll still have quite a fight on your hands to get the charges back from pre - 2002.

MORPH3US

chipmunk wrote:

Oh, and by the way, I don't have a mortgage as I have been paying one since I was 17 years old and it is now paid off. :T, I don't have a mobile phone and I don't use credit either .............

You shouldn't make assumptions about people you know nothing about. . This applies to other posters who have made an incorrect judgement as well.

Whats the problem here, people come on here for a discussion and thats what i'm doing!

FYI, I DID NOT make assumptions about you!!

When I said "will leave you in the sh*t with mortgage people...." etc, it was a general comment. I did NOT assume you have a mortgage or mobile phone etc etc, I don't really care if you do or don't!

Don't assume that every comment I make on a thread is about you just because you started the thread or because you disagree with what people are saying!

Well done on paying your mortgage off :T :j Can't believe you have had one since 17 though (thought you had to be 18). Anyway, like I said, well done!

M

chipmunk

MORPH3US wrote:

:rotfl: :rotfl: :rotfl:

Holier than thou, me?!?

I didn't say you were GOING to continue to, I said you HAVE continued to....

My point was, you have been charged for this in the past and are taking them to court for this, fair enough, yet you have just this week been charged again knowing fully that you would be charged for it, THAT is continuing to opperate your account in "this way".

Like you said, its none of my business and to be honest (and I mean this in a nice way), I don't care what you do with your account. I was just curious. I mean why not just make sure your account is always in credit / has enough in to cover any payments etc and then it saves you the cost and time of phoning them up to get it refunded (assuming they will continue to refund it) and then the cost of taking them to court etc etc!

M

I apologise for mis-quoting you, I concede that you said HAVE and not GOING. However, either way, your words imply that this is the way my account is always run. If you read my post properly, you will see that I said this is the first time in four years I have incurred charges and that it was an error on my part (maths was never my best subject , so you are incorrect about me "knowing fully that I would be charged for it".

I do try to make sure my account is always in credit but sometimes, it happens. I do object to being charged totally unproportionate amounts for a very small mistake.

You impress me Morph3us, it must be great to be a person who never makes a mistake. I envy you.

Chipmunk