how do i reclaim overdraft fee

Nikkita

hi im new here so don't really know what to do etc.

i bank with abbey and they charged me an over draft fee of £25 and then £5 per item i was overdrawn by which in total costed £40 i rang up the telephone banking and complained and they reversed the £25 fee so i had to pay £15 i then went into my local branch and asked if the money could come out a week later then what they wanted and was told yes they could arrange for this to be done. they then took the £15 out of my account on the date they originally said they were going to take it out which resulted in me being overdrawn again so i now have a £35 fee to pay is there anyway i cann appeal against all these charges?

thanks

natweststaffmember

Nikkita wrote: »

hi im new here so don't really know what to do etc.

i bank with abbey and they charged me an over draft fee of £25 and then £5 per item i was overdrawn by which in total costed £40 i rang up the telephone banking and complained and they reversed the £25 fee so i had to pay £15 i then went into my local branch and asked if the money could come out a week later then what they wanted and was told yes they could arrange for this to be done. they then took the £15 out of my account on the date they originally said they were going to take it out which resulted in me being overdrawn again so i now have a £35 fee to pay is there anyway i cann appeal against all these charges?

thanks

You need to start the process of reclaiming.

zigzagzen

natweststaffmember wrote: »

You need to start the process of reclaiming.

As these are the only charges concerned I think there is a quicker and more effective route. If you go into the branch and explain how their promise was not kept and show them the resulting extra charges they should arrange for these to be cancelled.

The reason I say this is that the OP was given incorrect information about when charges would be levied resulting in the additional charge.

Getting someone to recognise what happened and put it right this way could be a ten minute job, literally, as opposed to hours or weeks of pain trying to reclaim on unfairness. This is not due to unfairness - it's due to be given FALSE INFORMATION by the bank.

Much simpler.

ZZZ

natweststaffmember

zigzagzen wrote: »

As these are the only charges concerned I think there is a quicker and more effective route. If you go into the branch and explain how their promise was not kept and show them the resulting extra charges they should arrange for these to be cancelled.

The reason I say this is that the OP was given incorrect information about when charges would be levied resulting in the additional charge.

Getting someone to recognise what happened and put it right this way could be a ten minute job, literally, as opposed to hours or weeks of pain trying to reclaim on unfairness. This is not due to unfairness - it's due to be given FALSE INFORMATION by the bank.

Much simpler.

ZZZ

Nikkita, ignore my advice, since I did misread the bit where the bank said YES.
Thank ZZZ for picking me up on that, I appreciate it

Nikkita

zigzagzen wrote: »

As these are the only charges concerned I think there is a quicker and more effective route. If you go into the branch and explain how their promise was not kept and show them the resulting extra charges they should arrange for these to be cancelled.

The reason I say this is that the OP was given incorrect information about when charges would be levied resulting in the additional charge.

Getting someone to recognise what happened and put it right this way could be a ten minute job, literally, as opposed to hours or weeks of pain trying to reclaim on unfairness. This is not due to unfairness - it's due to be given FALSE INFORMATION by the bank.

Much simpler.

ZZZ

I have spoken to to my branch and they say that these charges cannot be reversed and that there is nothing they can do. It's really frustrating especially as I am unemployed and I have had to change the bank account in which my Jobseekers goes into incase they take me overdrawn again.

zigzagzen

Nikkita wrote: »

I have spoken to to my branch and they say that these charges cannot be reversed and that there is nothing they can do. It's really frustrating especially as I am unemployed and I have had to change the bank account in which my Jobseekers goes into incase they take me overdrawn again.

In which case the next step is to telephone the bank's "Lending Department" who will be able to refund them if they wish. Largely this will depend on:

1) How well you explain what went wrong
2) The relationship you establish on the phone with the other person
3) What side of the bed they got out of that day.

The same principle applies. You were given FALSE INFORMATION by the bank. It is a bank error - you just need to find the right person to agree and cancel them. If at first you do not succeed try again ... second call a few days later you will probably speak to someone else.

Just keep insisting this is a BANK ERROR and you were given FALSE INFORMATION and say something like:

"I don't want to go through all the trouble of complaining to the FSO but it really is very silly that the bank has not just put this right ... it's so simple"

And BE NICE

ZZZ