Can I get a Unpaid Transaction Fee refund from Barclays?

King_Mustard

I remember many years ago, you could claim back certain bank charges/fees.

I have a £200 interest-free overdraft (Student Additions). Last Thursday, just after midnight, I had -£197 in my account and my phone company tried to take out what I owed that month (£17). It failed so my account said -£17 then +£17.

My wages got paid into my account later that day (around 10 hours after the failed transaction).

I received a letter from the bank yesterday telling me I was being charged £8.

Technically, it was my own fault but I was still wondering if you think there is any way I can claim that fee money back.

Long shot I know but if you don't ask, you don't get.

Cheers

JournalGirl

If it was a first 'offence' contact them, and ask nicely if they would consider letting you off this time. Not guaranteed, but often works the first time.

King_Mustard

JournalGirl wrote: »

If it was a first 'offence' contact them, and ask nicely if they would consider letting you off this time. Not guaranteed, but often works the first time.

It's definitely not a first offense, has happened around 3-4 times, but each time I get wages into my account the same day and the failed transations are never for more than £20 (in fact, most are a few quid, this £15 over is easily one of the most I've gone over by).

As I said, this is my fault, but I was hoping there was a way to reclaim the charges - just in case I'm somehow entitled to it. Not to worry if not

Goldiegirl

I'm not sure why you think you're entitled to anything.

You've said it's your fault, and it's not the first time it's happened.

The best way not to pay these charges is to take responsibility and run the account correctly

King_Mustard

Goldiegirl wrote: »

I'm not sure why you think you're entitled to anything.

You've said it's your fault, and it's not the first time it's happened.

The best way not to pay these charges is to take responsibility and run the account correctly

I don't feel entitled, I just remember hearing a while back something along the lines of some charges being unfair and people claiming the money back and I was wondering if this was deemed one of those types of charges.

Clearly, it's not - so not to worry.

dunstonh

I just remember hearing a while back something along the lines of some charges being unfair and people claiming the money back and I was wondering if this was deemed one of those types of charges.

That was many years ago and stopped around 2007 in the lead up to the court case which was finally won by the banks in 2009.

Tom_0511

Guess what? People struggle to manage their finances (hence the existence of this forum) some people genuinely get into difficulty and the banks (who are HUGELY responsible for the recession) penalize those in difficulty by applying charges to you even account. That's irresponsible you could certainly argue it's irresponsible of the customer but it's irresponsible of the bank to do this. We aren't all equipped with the social tools we need to be financially responsible. The bankers are lording it up while the little guy is held down by policies such as this. The only people who ever come out with comments such as yours are generally people who have never needed to struggle. Maybe wind your neck in a little bit? Perhaps?

King_Mustard

Holy topic revival, Batman!

dunstonh

penalize

penalise - we are not in America.

Maybe wind your neck in a little bit? Perhaps?

Maybe not revive 4 year old threads which contain responses which are correct in the context of the information available.

-taff

Tom_0511 wrote: »

We aren't all equipped with the social tools we need to be financially responsible. The bankers are lording it up while the little guy is held down by policies such as this.

Banks are businesses making money, not helping people. They are not the NHS.

If a person made an effort to learn the former, a person wouldn't be complaining about the latter.

societys_child

you could certainly argue it's irresponsible of the customer

No argument from me.

We aren't all equipped with the social tools we need to be financially responsible

I give up . .