Overdraft charge

VintageBelle

Hi

I don’t know if anyone can advise.

I have been charged £22 by Santander for going over my overdraft limit. I’ve not done this before (or if I have it’s been years as I can’t ever remember it happening before).

I paid money in as soon as I was notified so we are talking same day (possibly minutes).

I have emailed them to ask if they will waive it as it’s not even been a day, but they can take 72 hours to reply.

Do I have any rights or not?

I know it’s my own fault but it’s just been such a tough month.

Any advice would be very much appreciated as £22 is a lot when you don’t have it.

Many thanks

PeacefulWaters

Rights? Give over. It's a charge in accordance with their terms and conditions.

I'd suggest a polite phone call apologising and asking them to waive the charge on this occasion as an act of goodwill.

ValiantSon

You have no rights to demand that they remove the charge. It is a charge that you were notified of in the latest edition of the T&Cs, and you went over your limit. They may, however, agree to waive it if this is the first time you have ever gone over and you remedied the issue very promptly, but they do not have to do so.

dunstonh

Do I have any rights or not?

You mean for taking their money without permission?

Yes, you have the right to be charged in accordance with the T&C you agreed.

However, rather than going on about rights, you will probably find that a polite call to Santander apologising for your mistake and saying you havent done it before and that you paid in straight away may see them give you a goodwill refund.

w00519772

If it is the first time this has happened then I think some banks do waiver the charge as a gesture of goodwill. Just call them and ask them to waiver it. If they refuse then you will have to pay it.