Natwest, Fraudulent Bank Charge ?

LockyUK

27 Oct 2009 CHG UNPAID ITEM FEE , 06OCT A/C - 38.00 -£35.82
24 Nov 2009 010639 24NOV 1015 60.00 - £24.18
24 Nov 2009 OTR CALL REF.NO. 0692 , NATWEST PLATINUM 5, FP 24/11/09 10 , 50124108053650000N - 24.18 £0.00
27 Nov 2009 CHG 06NOV A/C - 20.00 -£20.00
14 Dec 2009 BAC P LOCKWOOD , PAY OVERDRAFT , FP 12/12/09 2008 , 200000000012096063 40.00 - £20.00
29 Dec 2009 CHG 04DEC A/C - 20.00 £0.00
27 Jan 2010 CHG 06JAN A/C - 20.00 -£20.00

i PAYED £40 TO PAY A £20 CHARGE AND LEAVE £20 AVAILABLE FOR THE CHARGE DUE 29 DECEMEBER TO SETTLE THE CHARGE, SO HOW CAN THEY CHARGE ME IN JANUARY EVEN THO IT WAS ALREADY PAYED IN FULL ???

crispy_chris

Charges are debited from your account at the end of the month after the thing that you are being charged for occured.

So if you're overdrawn in November your charge will be taken towards the end of december, which is what happened here. That charge took you overdrawn in december and you got the corresponding charge in January.

You will be charged again at the end of february so might I suggest putting £40 in the account to cover the january and pending february charge.

Then give nationwide a call and see if they will refund some of these charges as a goodwill gesture, but be nice, its up to their discretion. So getting on the phone in an abusive way won't do you any favours.

Good luck!