Tsb - debit of usage fees

RebekahR

colsten wrote: »

what are the dates?

what are the recent transactions?

End of 2017. They used to do a cashback offer so I used the account for that and transferred money from my main account into it. Once they stopped that I cleared the account to 0 after the 300 over draft and never logged in again. I completely forgot I would get a blinking charge - What a muppet :eek:


So there are no recent transactions. The last thing on teh account was the £6 charge in 2017

RebekahR

kmb500 wrote: »

i am with TSB and they charge £6 every time you use your overdraft in a month.

So its just for the month you take the over draft out and not for every month after that you haven't paid it back?

RebekahR

born_again wrote: »

So you do n't check your account at all then :eek:

No because I don't use it at all. So thought I had cleared it at 0 and all was hunky dory LOL.

colsten

RebekahR wrote: »

End of 2017. They used to do a cashback offer so I used the account for that and transferred money from my main account into it. Once they stopped that I cleared the account to 0 after the 300 over draft and never logged in again. I completely forgot I would get a blinking charge - What a muppet :eek:


So there are no recent transactions. The last thing on teh account was the £6 charge in 2017

I am sorry, none of this makes much sense without seeing the actual detail of the transactions on your account.

If your balance was zero before the £6 was charged, you'd again be in an overdraft for the next month and have another £6 added, so at least £12 overdrawn, then £18, £24 etc etc.

In any case, nobody here can do anything to sort your issue. You'd be best advised to ask TSB.

Sharon87

colsten wrote: »

I am sorry, none of this makes much sense without seeing the actual detail of the transactions on your account.

If your balance was zero before the £6 was charged, you'd again be in an overdraft for the next month and have another £6 added, so at least £12 overdrawn, then £18, £24 etc etc.

In any case, nobody here can do anything to sort your issue. You'd be best advised to ask TSB.

I don't think they can charge for going overdrawn because of one of their charges anymore. That used to be the case, but I believe it was deemed as unfair. Also they may have a £10 buffer like Natwest have. So if you go into your overdraft by less than a tenner you don't get charged the £6.

Obviously now overdrafts are changing, so the £6 fee won't be applicable from April

RebekahR

Sharon87 wrote: »

I don't think they can charge for going overdrawn because of one of their charges anymore. That used to be the case, but I believe it was deemed as unfair. Also they may have a £10 buffer like Natwest have. So if you go into your overdraft by less than a tenner you don't get charged the £6.

Obviously now overdrafts are changing, so the £6 fee won't be applicable from April

Thats's kinda what I was wondering tbh.



Also whilst I don't intend to do this as £6 aint that much ... If hypothetically I wasn't to pay that £6 would I incur future charges post March?


I can't believe they hadn't wrote me a letter in the post or something to harrass me sooner :-o

kmb500

RebekahR wrote: »

So its just for the month you take the over draft out and not for every month after that you haven't paid it back?

if you are not in positive balance by the end of the month then you've used your overdraft and will be charged £6. that's before interest and any fees, if applicable.