Unarranged overdraft usage fee

Aquamania

niblettr wrote: »

I made 3 transactions the previous month that put my account into the red. (due do my online banking statement not updating quick enough but can't prove this)

I since have been paid and covered the above.

One month later I was charged £10 per unarranged transaction (the above 3) which made me go overdrawn again and was then charged £12 unarranged overdraft usage fee.

Can someone explain to me where I stand please?
Surely these are compounded charges?

Presumably this is the first time this has ever happened to you?
(Otherwise you would know where you stand)

If so, if you speak to your bank very nicely, they will usually offer to refund such charges as a gesture of goodwill.

Or, if you believe the charges have been applied inappropriatesly (e.g. not in line with their published tariff of charges you have agreed to, or perhaps not in accordance with their notification) then complain to the bank.
If the bank uphold your complaint, expect such charges to be fully refunded plus consequential losses (if any) plus a nice little something extra for the distress and inconvenience their mistake caused.

Did you also know, there is an entire MSE board dedicated to reclaiming bank and credit card charges here:
http://forums.moneysavingexpert.com/forumdisplay.php?f=102