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Dealing with overdraft charges - first timer
LucySera
Posts: 3 Newbie
Last month I became overdrawn for the first time ever 
entirely my own fault I'm afraid - I've been unwell and not kept a great eye on my finances. When I discovered I was overdrawn I was not too panicked as I thought I still had an interest free overdraft with my student account. I have since learnt that my account recently changed and is no longer a graduate account - therefor I've incurred significant charges.
I am aware that these charges are my responsibility, and the bank is not to blame. I've heard though that the banks are sometimes open to refunding the money as a gesture of goodwill if the person in question has always had a good banking history. Is is worth my pursuing this option, or should I suck it up and deal with it?
entirely my own fault I'm afraid - I've been unwell and not kept a great eye on my finances. When I discovered I was overdrawn I was not too panicked as I thought I still had an interest free overdraft with my student account. I have since learnt that my account recently changed and is no longer a graduate account - therefor I've incurred significant charges.I am aware that these charges are my responsibility, and the bank is not to blame. I've heard though that the banks are sometimes open to refunding the money as a gesture of goodwill if the person in question has always had a good banking history. Is is worth my pursuing this option, or should I suck it up and deal with it?
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Comments
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You can only ask and they can either say yes or no. Go for it!0
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Last month I became overdrawn for the first time ever entirely my own fault I'm afraid - I've been unwell and not kept a great eye on my finances. When I discovered I was overdrawn I was not too panicked as I thought I still had an interest free overdraft with my student account. I have since learnt that my account recently changed and is no longer a graduate account - therefor I've incurred significant charges.
I am aware that these charges are my responsibility, and the bank is not to blame. I've heard though that the banks are sometimes open to refunding the money as a gesture of goodwill if the person in question has always had a good banking history. Is is worth my pursuing this option, or should I suck it up and deal with it?
depends on the bank ,they may refund .You may also want to look into having an overdraft facility to prevent this happening again ."Do not regret growing older, it's a privilege denied to many"0 -
A polite, slightly apologetic begging phone call will usually work.
The first time.0 -
At least try? Nationwide definitely write off first time slip ups...it says so in their website. So depending in your banks policy, you might just be in luck!0
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