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Eeeeek - help needed!

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Littleluc21
Littleluc21 Posts: 187 Forumite
in Debt-free wannabe
Hi guys

I have two bank charges due out in May with Bank of Scotland - not got the £70 to pay for them and sent an email to their online help desk pleading poverty. They have asked mt to call the customer services to investigate the charges being stopped - what is the likliness from your past experiences?? And also if they don't stop them and I don't have the money in the account to pay for them - what happens then?

Scared Littleluc21
DFD - April 2011 - come on!!:T
«1

Comments

  • hypno06
    hypno06 Posts: 32,296 Forumite
    10,000 Posts Combo Breaker
    Be polite, explain the circumstances and that you are trying to get yourself out of a pickle, and work on the assumption that if you don't ask you don't get!

    If you have not had any charges before (or for a long time) they are quite likely to refund.
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • Littleluc21
    Littleluc21 Posts: 187 Forumite
    P.S Don't have an overdraft with them so didnt go into unauthorised overdraft with them o just simple old chargesfor them saying "No" when money requested. Also I have had two bank charges refunded before so thinking they are going to say nope this time.
    DFD - April 2011 - come on!!:T
  • scooterwife
    scooterwife Posts: 132 Forumite
    yes, I second that. As long as you don't get charged regularly they will often refund them, but you have to ask. I find it helps to be nice to them. good luck.
  • scooterwife
    scooterwife Posts: 132 Forumite
    sorry post crossed with yours. I've had two lots refunded, but about a year apart. doesn't hurt to ask, they can only say no.
  • Littleluc21
    Littleluc21 Posts: 187 Forumite
    I am going to be super nice to them - they have been great before so thinking the niceness is due to wear off! Thanks - dead nervous but going to call them in 10 mins after work :-(

    L xxx
    DFD - April 2011 - come on!!:T
  • Littleluc21
    Littleluc21 Posts: 187 Forumite
    Ah mine were refunded in the last two months so looks unlikely - if I don't have the funds in my account for the charges do I get double charged??

    L xxx
    DFD - April 2011 - come on!!:T
  • Waspeze
    Waspeze Posts: 2,479 Forumite
    Part of the Furniture Combo Breaker
    Potentially you'll get an unauthorised overdraft fee but you may be able to get this waived if you can pay it off quickly.
    :hello:
    Save a little money each month and at the end of the year you’ll be surprised at how little you have.
    An eye for an eye only ends up making the whole world blind
  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    Let us know how you get on!
    ...Linda xx
    It's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
    We dont count all the runners ahead of us & feel intimidated.
    Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.
  • Littleluc21
    Littleluc21 Posts: 187 Forumite
    Hey guys

    Phoned the bank regarding my two charges and they reversed one :j now just need to find £35.00 for the other one but got14 days to scarpe that together yippee!!!

    L xxxx
    DFD - April 2011 - come on!!:T
  • TurnaroundSue
    TurnaroundSue Posts: 1,214 Forumite
    Can't you ask for just a small overdraft on your account - DONT use it though, just keep it for a 'buffer', so if it happens again you wont get any unauthorised charges, but might need to pay a small amount of interest instead!
    When you were born, you were crying and everyone around was smiling. Live your life so at the end, you're the one who is smiling and everyone around you is crying! :rotfl:
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