Banks :(

thefoolonthehill

they can stop them if they want, they just dont want to. dont get upset about it. go on the reclaim site send a letter, demanding they refund. explain you have never missed any payments and you are disgusted with the way they are treating you.

ask them to prove it cost them £140, they cant do this therefore their charges are illegal

piratess

thankyou for your advice .... they told me at the call centre it would be better to talk to them rather than talk to my own branch!! yet when i had a chage last year and i rang the call centre i was told there was no way they could reduce or stop the charge yet when i went into the branch the woman spoke to her manager and she revoked them ! ....

maybe its worth me ringing the branch ??

in_over_my_head_2

If you're more comfortable doing that then I'd give it a try...

As thefoolonthehill says, they CAN refund them if they want. Tell them you'll be happy to pay if they can provide a breakdown of their costs, which they won't.

Which bank is it? Halifax were fine when my boyf rang them about the same thing.

thefoolonthehill

you might struggle to get through to the branch as most branch numbers are be taken away and replaced by call centre numbers.

if you call in and speak to them it usually has an effect as it is face to face and they cant hide behind the phone

good luck

piratess

yeah think im going to have to do that .... ive looked online for the past 10 mins and cant find their own branch number anywhere

thanks for your help

regularsaver1

some banks don't have branch numbers

sometimes have to call the callcentre to be put through

mo1_2

have a look at the bank action group,and get all yoyr charges back,you will,they always pay up..

regularsaver1

if you knew you were going to be charged why did you take your card to cornwall? -

get your charges back - but be careful as it could happen again if you are not careful

piratess

I didnt know i was going to get charged !, i didnt expect the payment to come out it was a new quarterly payment so thought i had around £40.00 left in my account and it wasnt until i checked my account a couple of days after that i saw what had happened !!! if i knew the money wasnt going to be there u wouldnt have spent it in the first place !

regularsaver1

was it the direct debit companies fault then if you were unaware what date?