We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Grounds for reclaiming bank charges?

M.Holloway
M.Holloway Posts: 258 Forumite
in Reclaim bank & credit card charges
I went over my overdraft a while ago by a small amount (£10-15) but due to the postal strike I didn't find out about it until 8 days later! So I ended up being charged £200.

Would I have grounds to file a complaint and reclaim these charges, and if I do will my bank do anything to me (reduce my overdraft, make any special demands) ?
«1

Comments

  • natweststaffmember
    natweststaffmember Posts: 12,063 Forumite
    M.Holloway wrote: »
    I went over my overdraft a while ago by a small amount (£10-15) but due to the postal strike I didn't find out about it until 8 days later! So I ended up being charged £200.

    Would I have grounds to file a complaint and reclaim these charges, and if I do will my bank do anything to me (reduce my overdraft, make any special demands) ?

    Can I ask how the postal strike contributed to the charges?
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • M.Holloway
    M.Holloway Posts: 258 Forumite
    Because the letter detailing to me that I had gone over wasn't delivered.

    And my bank was too lazy to pick up the damn phone and call me!
  • Premier_2
    Premier_2 Posts: 15,141 Forumite
    10,000 Posts Combo Breaker
    Itemise how they (and name the bank) got to £200 charges from a £10-£15 unauthorised overdraft for 8 days please. :confused:
    "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
  • M.Holloway
    M.Holloway Posts: 258 Forumite
    It was £15 a day for being over then an additional £75 for having a standing order which they had to honour.
  • nomoneytoday
    nomoneytoday Posts: 4,871 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Do you have online banking?
    Real time balances and the facility to clear unauthorised debts that day are included...
  • Premier_2
    Premier_2 Posts: 15,141 Forumite
    10,000 Posts Combo Breaker
    Which bank was that? :confused:

    Did they really charge you £75 for paying a standing order for you? Or was that £75 paid to the person who the standing order was made out to?
    "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
  • M.Holloway
    M.Holloway Posts: 258 Forumite
    Lloyds. They charged me 75 for a standing order to my mobile phone company.

    Yes I have online banking, but wasn't checking it as I wasn't using that account anymore.
  • Dave101t
    Dave101t Posts: 4,157 Forumite
    M.Holloway wrote: »
    I went over my overdraft a while ago by a small amount (£10-15) So I ended up being charged £200.

    kind of answers your own question here.
    no if's, no but's, you spent it, technically thats theft remember
    Target Savings by end 2009: 20,000
    current savings: 20,500 (target hit yippee!)
    Debts: 8000 (student loan so doesnt count)

    new target savings by Feb 2010: 30,000
  • Alpine_Star
    Alpine_Star Posts: 1,378 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Dave101t wrote: »
    kind of answers your own question here.
    no if's, no but's, you spent it, technically thats theft remember

    manure.jpg
  • chipbeck
    chipbeck Posts: 1,372 Forumite
    1,000 Posts Combo Breaker
    Dave101t wrote: »
    kind of answers your own question here.
    no if's, no but's, you spent it, technically thats theft remember


    Some top replies but Daves is the best.

    Hope this helps OP.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.3K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.3K Work, Benefits & Business
  • 601K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture