Going to be charged £28 for going overdrawn

dodger43

Is there any way to stop RBS charging me?

What happened was this, I paid £40 into an online e-wallet (neteller), leaving £5 or so in my account. A few days later the money appeared in my account again (or so I thought). I made a withdrawal from neteller between this time, so I though this money was my neteller withdrawal.

It wasn't.

For some reason the money showed up in my account even though it had been taken (can someone explain to me why it does this? It seems like a trick to make you pay money you don't have). "Great", I thought and bought some online goods to the value of about £40, so I was unknowingly spending money I didn't have in my account, even though it was showing that I did, and let me spend it. A couple of days later I was overdrawn, and it stayed that way for a couple of days.

This is the first time I've gone overdrawn, and I don't have an overdraft. It seems really unfair to charge me £28 for an honest mistake, and what seems to me (until the process is explained to me) to be a very devious way to get money from you. How am I supposed to tell the difference between this weird payment system, and my neteller withdrawal?

It seems reasonable to me that this charge should be scrapped, and that I should exercise caution in the future, if it were to happen again, then I'd happily [sic] be charged.

Opinions?

Thanks.

Phoenix79_2

Ring up, apolgise, explain the situation and tell them that it will never happen again That might work.

In future don't run your account so close to the wire. Always have a 'buffer' amount in there.

trets77

phone up explain the situation and push your previous good account managment.

if they won,t waive it start getting nasty and say these charges illegal under common law, threaten to leave the bank and say you will take legal action in the small claims court to get your money refunded.

if they still won,t then do just what you threaten to do. there a plenty of sites to help you .

don,t just sigh and let them STEAL your money

dodger43

Oh great, they are charging me £30 on top of this as well. I don't know why, nothing got referred, everything is paid.

Are they trying to take me to the cleaners?

Paul_Varjak

I always have an overdraft facility to avoid the expense of these charges and the hassle of reclaiming them!

In 35 years of banking I have never incurred fees for being overdrawn - just a few pence in interest for the few inadvertent mistakes!

Paul_Varjak

In 35 years of banking I have never incurred overdraft fees because I always eNsure I have an overdraft facility! That is the easiest way to avoid these exhorbitant charges.

The most I have paid is just a few pence in interest for a few inadvertant errors!

little_bear_3

Yes that's the charges, £28 for going over and a referral charge for an item being paid - lovely eh - NOT.

Please call your branch and explain the situation but be warned - they are clamping down on NOT refunding unless it is clearly a bank error o.k. Please don't get mad with the poor person on the phone as they are dealing with the new way of doing things too and whether they think it is right or wrong doesn't matter. I advise you to ring, calmly explain the situation and ask it be looked into. Expect a call within a couple of days o.k. If they will not budge then you must put something in writing. refunds over £50 have to be referred now to a higher level as it is out of the branch managers hands, which is why I say please don't get angry at the staff who deal with you initially. It is annoying, especially when you see signs advertising new customers will get £100 if they switch their main account to the RBS - yes that promotion begins 31st January. also request the interest free overdraft that you can have with your account for emergencies - ie if a direct debit was presented early etc. Good luck getting your charges back, I hope your branch agree to something for you - but please be nice about it, if you get on about the law straight away etc it will get the staffs backs up and they won't want to help, you need that first person to understand o.k that first contact is vital, if you get nowhere then do a letter o.k Hope some of this info helps

robertoegg

Paul_Varjak wrote:

In 35 years of banking I have never incurred overdraft fees because I always eNsure I have an overdraft facility! That is the easiest way to avoid these exhorbitant charges.

The most I have paid is just a few pence in interest for a few inadvertant errors!

hark at you - must be tough being perfect? :P

dodger43

Yeah, I went 10 years being perfect, oh well, back to being a human being I guess.

Thanks for all the advice.

jonesMUFCforever

robertoegg wrote:

hark at you - must be tough being perfect? :P

It's not being perfect just sensible and conforming to the rules!