£80 charges because atm lied !

mikk

A letter finally arrived on saturday. The old good will gesture, £50, but as they have strung this out so long, they've had time to apply another £20 penalty fee for the original (ongoing) unauthorised overdraught! OK, I didn't think it would go this far but I will now initiate proceedings against them. I think there is a guide somewhere on this site. With regard to my previous post claiming expenses. Maybe it would be hypocritical of me to charge £20 a letter when it is just this kind of blatent profiteering (robbery) that incensed me in the first place.

MarkyMarkD

we_are_always_skint wrote: »

but this is the same reason i left abbey as they hit me with over £100 worth of charges on one day as my work messed up my wages and they didn't go in on the right day so dd's bounced - needless to say as i had been charged before they wouldn't help so i changed my bank and went to barclays the very next day who have been amazing and their customer service in the branch is the best we've found (and my husband has an account with nearly every bank too)

This was YOUR EMPLOYER'S ERROR and not Abbey's - there's no reason at all why Abbey should have refunded you. Your employer should have paid these bank charges.

This was not a sensible reason to change banks.

bargains83

When you open an account you agree to a set of terms and conditions, the banks will win the test case with clever wording. Abbey have already updated their literature and now call an unauthorised overdraft an 'instant overdraft'. The charges associated with it are worded as "when you use your debit card, write a cheque without their being sufficient funds in the account, or we are asked to pay a direct-debit we will treat this as you requesting an instant overdraft on your account. A request fee is charged for each Instant Overdraft you request, The instant overdraft request fees are set out as follows.."

So it is no longer a penalty charge, but a service charge. All the banks will be doing this and rightly so. If you can't manage your finances, that's your problem, not the banks. With E-banking, Statements every month, cash machines allowing you to get mini-statements there is no excuse!.

If it is a third party that causes you to go overdrawn, I.E late wages, direct debits being taken early etc, then get the charges refunded by the company in question!. Otherwise its your own negect thats the problem, so you've only yourself to blame!.