Charges of £30 :(

Nicky321

On 10th Jan I accidentally went over drawn when my my magazine subscription was debited from my bank, but what made it worse was a special edition magazine subscription was also debited. The total of these 2 debits £18.97 which left me £15.15 over my agreed overdraft , I only noticed this on 11th Jan, but immediately brought my account back into the agreed overdraft limit.

Now when Ive checked my account I am being hit with charges

£20.00 (my usual overdraft fee)
£5.00 unarranged overdraft fee
£25.00 paid item fee

Is there anything I can do? I dont mind paying the £20.00 (I budget for this) however an extra £30.00 for £15.15 will have an impact on next months finances,and in reality its for £3.15 as they allow a buffer of £12.00 over overdraft limit

My income is £180 per month

[Deleted User]

Hi,

if you have a good record, and this is your first default, get in touch with provider and explain.

These charges are computer generated, so if you get to talk to a real person it could help.

Good luck.

nonnatus

I agree, You sound like you keep careful watch most of the time and if it's a first offence I would expect for them to wipe the charges as a gesture of "goodwill". Nothing to lose by asking?

Nicky321

thankyou both for the replies, its not my first offence, but its not a regular occurance, think its well over 12 months since the last time it happened.

Wywth

Nicky321 wrote: »

On 10th Jan I accidentally went over drawn when my my magazine subscription was debited from my bank, but what made it worse was a special edition magazine subscription was also debited. The total of these 2 debits £18.97 which left me £15.15 over my agreed overdraft , I only noticed this on 11th Jan, but immediately brought my account back into the agreed overdraft limit.

Now when Ive checked my account I am being hit with charges

£20.00 (my usual overdraft fee)
£5.00 unarranged overdraft fee
£25.00 paid item fee

Is there anything I can do? I dont mind paying the £20.00 (I budget for this) however an extra £30.00 for £15.15 will have an impact on next months finances,and in reality its for £3.15 as they allow a buffer of £12.00 over overdraft limit

My income is £180 per month

If you really do only get £45 a week income, ask yourself whether spending almost £20 on magazines is affordable.

Nicky321

Wywth wrote: »

If you really do only get £45 a week income, ask yourself whether spending almost £20 on magazines is affordable.

Its not £20 its £10, the extra this month was for a special issue. It is budgeted for, as its really my only outgoing, as my other half and I use our joint incomes for everything else.

Nicky321

Rang them yesterday and they cancelled the charges as a gesture of goodwill, as this isnt the way I usually run my account,