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Charges for 'Card Missuse'

bluemooner
bluemooner Posts: 10 Forumite
in Reclaim bank & credit card charges
Hi

I am wondering if anyone can help me. I have been charged for using my debit (Solo) card the other day. I had £4 ish in my account and used my card for about £3 which I thought wouldnt be a problem. Now the Bank have taken interest out for my overdraft a couple of days later and charged me for 'Card Missuse'

I don't get why they have charged me when I phoned the manager of my branch said I used my card with no money in account when clearly there was. Is there anything I can do

Thanks in advance

Comments

  • Premier_2
    Premier_2 Posts: 15,141 Forumite
    10,000 Posts Combo Breaker
    edited 2 December 2009 at 11:27AM
    What did the manager say when you explained that you thought you did have money in your account that covered the outgoings?


    Edit: What, card misuse again??? :eek:
    http://forums.moneysavingexpert.com/showthread.html?t=2105721
    "Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 2010
  • bluemooner
    bluemooner Posts: 10 Forumite
    edited 2 December 2009 at 11:27AM
    Premier wrote: »
    What did the manager say when you explained that you thought you did have money in your account that covered the outgoings?

    She said clearly I didnt and it takes 3 days to go through their system, they not refunding any charges. I told her I had the funds in the bank at the time I used my card so how can it be Card Missuse. To be honest it sounded like she was reading from a script.

    She said that the interest chrges took my account overdrawn and then the payment was a guaranteed card payment which was card missuse, but I used my card a couple of days before the interest charges were debited. I don't get it.
  • Premier_2
    Premier_2 Posts: 15,141 Forumite
    10,000 Posts Combo Breaker
    bluemooner wrote: »
    ...I told her I had the funds in the bank at the time I used my card so how can it be Card Missuse. ...
    You obviously didnt as it takes 3 days to go through their system
    "Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 2010
  • dunstonh
    dunstonh Posts: 121,328 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I told her I had the funds in the bank at the time I used my card so how can it be Card Missuse.

    And they told you that you didnt. It sounds like you were not including uncleared transactions and spent what you didnt have by using a guaranteed cheque. So, misuse is correct.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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