Charged for going over limit due to bank charge?

Nebulous2

boo_star wrote: »

I don't think much happened other than when the OFT said they wouldn't take any of the card providers to court if they didn't charge over £12 for overlimits or late payments so they predictably all set their charges at £12.

It was quite a long time before that. A big consumer campaign which was intended to effect voluntary change, with the threat of legislation if they didn't comply. Mainly around bank accounts - you paid a cheque which wasn't cleared as you didn't have enough funds. They then addded an unpaid item charge, which took you into overdraft and hit you with an unauthorised overdraft charge. If they had cleared the cheque in the first instance, you would only have an unauthorised overdraft charge. The campaign was to ban charges on charges. If the only reason you incurred a charge was because of a previous charge they had imposed the second charge shouldn't be applied.

fozmcfc

Back when Egg was a card provider, they used to send a message to the customer to say, that their minimum payment, would not be enough to prevent a customers account from going over the limit and they should make an additional payment.

I also agree a £20 charge for going over by £1.50, is worth contacting them about to see if they will reduce or remove it as a gesture.

[Deleted User]

jonesMUFCforever wrote: »

but if you are living so close to the limit they might say to you that you may be in financial difficulties and block the card to new borrowing.

By the sound of it, that mightn't be such a bad thing.

NewToTheUkAgain

Let us know what they say

Hoogle

So I can challenge charges ?? Wow I just assumed it was my own fault when I went 2p over my limit and got charged £12 for it by barclaycard. Funny thing is I actually cleared the balance that day but the payment hadnt cleared yet so I just assumed it was my own fault and to learn from it.

photome

NewToTheUkAgain wrote: »

Let us know what they say

You would like to think the OP would return with the outcome, what are the odds


If it’s a first offence then they may waive the charge

Nebulous2

Hoogle wrote: »

So I can challenge charges ?? Wow I just assumed it was my own fault when I went 2p over my limit and got charged £12 for it by barclaycard. Funny thing is I actually cleared the balance that day but the payment hadnt cleared yet so I just assumed it was my own fault and to learn from it.

"Challenge" is the wrong approach. Grovel, plead, say how silly you are and they'll often waive a first charge. It doesn't work for repeat offenders however.

Farmer_Johnson

Hoogle wrote: »

So I can challenge charges ?? Wow I just assumed it was my own fault when I went 2p over my limit and got charged £12 for it by barclaycard. Funny thing is I actually cleared the balance that day but the payment hadnt cleared yet so I just assumed it was my own fault and to learn from it.

No-one’s said anything different. Yes, it’s your own fault but if you don’t have a history of it, and if you ask nicely then they may refund it anyway. It’s a small amount that could be worth writing off to keep a customer happy.