Bank charges - Abbey

amie

Hi, not sure if there is anything I can do but thought I would check

I have never had an over draft, credit card or bank charges so this is all new to me! I have a current account with Abbey which I generally use for saving money and rarely check it, I wrote a cheque to a company on 27/05/2009, I got my statement this morning and that cheque was not cashed until 2/07/2009. When it was cashed there was not enough money in my account (because stupidly I assumed that the cheque had been cashed within the six weeks the company had it in their possession!)

So my statement says I'm being charged £35 for an instant overdraft request fee - paid item and also being charged £25 for unauthorised overdraft/instant overdraft monthly fee. Are they allowed to do this? I thought if there wasn't enough money to make a payment the payment was refused? I'm so confused (not to mention angry!)

I would appreciate any advise!

Money_Saver

Yes they can write and ask for the charges to be cancelled and explain was just an oversight they might listen and be kind or just meet you 50%. Good Luck with it.

amie

Thanks, it's definititley worth a try, I didn't realise they could set up a temporary overdraft without my permission

natweststaffmember

amie wrote: »

Thanks, it's definititley worth a try, I didn't realise they could set up a temporary overdraft without my permission

If they do not refund 100% then you can start the process of reclaiming your charges