My wages didn't go in, can I claim bank charges back?!

Lauraaj

I'm looking for advice, I was due to get paid on Friday 12/02/16, I was already overdrawn on my bank account resulting in me having to pay £5 per day, however with me not being paid on Friday and having to wait until Monday this will be an additional £15 being taken out of my bank account next month. My company will not say anything more than it being a processing error so I'm asking for help as to whether or not I can claim this £15 back as the error was not my fault?! Any help is greatly appreciated thank you

Mersey_2

Lauraaj wrote: »

I'm looking for advice, I was due to get paid on Friday 12/02/16,


with me not being paid on Friday and having to wait until Monday this will be an additional £15 being taken out of my bank account next month.


My company will not say anything more than it being a processing error so I'm asking for help as to whether or not I can claim this £15 back as the error was not my fault?! Any help is greatly appreciated thank you

Yes, you can as its a consequential loss resulting from an other party's error.


If the processing error is the bank, they should refund you no problem - as there's evidence of the charges incurred.


If your employer - more likely from what you have said - equally, just show them charges have been incurred as a result of their error.


Hope it goes in today.

Kim_13

It would be worth setting up an arranged overdraft even if you think you won't use it, as £5 per day is a lot to pay, even if you are only paying for days that were your fault.

It may also be worth speaking to the bank about the possibility of them waiving the charges if this is a first offence, as many will.

[Deleted User]

Kim_13 wrote: »

It may also be worth speaking to the bank about the possibility of them waiving the charges if this is a first offence.

The Bank won't waive the charge in these circumstances if it's not their fault.

If this "processing error" is the fault of her employer, then it is from them that she should request restitution.

Kim_13

Moneyineptitude wrote: »

The Bank won't waive the charge in these circumstances if it's not their fault.

If this "processing error" is the fault of her employer, then it is from them that she should request restitution.

The OP said she was already overdrawn, so some of the fees she'll pay next month are her fault. It's these fees that are sometimes waived as a goodwill gesture/first offence let off.

[Deleted User]

Kim_13 wrote: »

The OP said she was already overdrawn, so some of the fees she'll pay next month are her fault. It's these fees that are sometimes waived as a goodwill gesture/first offence let off.

Fair enough. If, as you suggest, the other overdrawn fees are a one-off rather than a regular event then the Bank may indeed consider waiving them.