Yorkshire Bank unfair charge?

picklesmomma_2

Hi

This doesn't really come under reclaiming charges as I don't think I have a chance of getting mine back! It's more advice that I am looking for.

I bank with Yorkshire Bank and had a returned direct debit, for which there was a £35 charge, easy enough! Except that, they took the charge the very same day. Other banks I have had experience with before would always write with notice of any charges on the account. This is the second time it has happened, is this legal and acceptable? It seems very unfair when the direct debit bounced because I didn't have enough money to pay it, to then be taking into an unauthorised overdraft by the charge! I am on single parent benefits with little to no money in my account, should they take this into consideration?

Thank you!!

bankhater_1965

unfortunatly when its comes to personal bank accounts charges THE TEST CASE only deemed credit cards etc are only challengable for fairness , i took my bank natwest to the county court and lost on a strike out solely on cpr 3.4(2)(a) , the only try would be sending a letter to the bank and hope you get sympathy

dunstonh

This is the second time it has happened, is this legal and acceptable?

Yes.

As mentioned above, fairness doesnt come into it as banks won that. However, most banks will refund if it is your first mistake if you ask them. So, give that a try. If it is not your first mistake then you have probably lost that goodwill

ozziec

I have the same problem with santander - they paid a £1.50 direct debit as I only had £1.20 in the bank - they cahrged me £25 for this wichsent me overdrawn for wich they charged me another £30. I have written to them three times claiming dissproportionate charges and they have come back with a "tough - ensure you have funds in the bank" type letter. I too am a single parent who works full time. I recently had my tax credits stopped with no warnign so ended up £450 a month out of pocket - no time to sort out bill payments to accommodate for this loss of income. My child needed shoes wich i bought for £10 from a supermarket and this is what left me with £1.20 in the bank. I am in the process of complaining to the FO, but have to say that I have had nothig but trouble with Santander. I wish you the very best of luck with this - I hope your bank is more sympathetic than SANTANDER are

dunstonh

ozziec wrote: »

I have the same problem with santander - they paid a £1.50 direct debit as I only had £1.20 in the bank - they cahrged me £25 for this wichsent me overdrawn for wich they charged me another £30. I have written to them three times claiming dissproportionate charges and they have come back with a "tough - ensure you have funds in the bank" type letter. I too am a single parent who works full time. I recently had my tax credits stopped with no warnign so ended up £450 a month out of pocket - no time to sort out bill payments to accommodate for this loss of income. My child needed shoes wich i bought for £10 from a supermarket and this is what left me with £1.20 in the bank. I am in the process of complaining to the FO, but have to say that I have had nothig but trouble with Santander. I wish you the very best of luck with this - I hope your bank is more sympathetic than SANTANDER are

Santander have a refund policy which is published and what you say doesnt fit with that. So, you are not telling us the full story.

Also, Santander have a £12 buffer. So, again, what you say doesnt match their terms.

meer53

picklesmomma wrote: »

Hi

This doesn't really come under reclaiming charges as I don't think I have a chance of getting mine back! It's more advice that I am looking for.

I bank with Yorkshire Bank and had a returned direct debit, for which there was a £35 charge, easy enough! Except that, they took the charge the very same day. Other banks I have had experience with before would always write with notice of any charges on the account. This is the second time it has happened, is this legal and acceptable? It seems very unfair when the direct debit bounced because I didn't have enough money to pay it, to then be taking into an unauthorised overdraft by the charge! I am on single parent benefits with little to no money in my account, should they take this into consideration?

Thank you!!

Have you checked that the charge applied doesn't refer to a previous statement ?