too many charges

Stomper77

Hey great for forum, i was just wondering if you could help me with my problem. yesterday i went to my bank account as i was just paid
to my dismay i had only half my wages! i went and asked for a mini statement and found that i had 11 cleared transactions each for £30 each all been taken out on the same day. i called tele banking and found that each charge was for transactions used in one shop the lowest one being £1.59! i have never had an over draft nor asked for one but instead of them declining the transaction they allowed it. so therefore for a total of approx. £35 i was charged around £260 .
the card that i have is a debit card . please help it feels like daylight robbery is there anything that i can do. looking foward to your response .
:mad: :mad: :mad:

Joe_Bloggs

Name your bank. Have you been a victim of some fraudulent activity ? It is not clear to me on initial reading. Are most of the costs due to bank penalties while overdrawn. Where was your card during the day of these activities ?
J_B.

dunstonh

Debit card transactions cannot be "bounced". So the bank had no option but to pay them.

If you are a victim of fraud you need to report it to the police and the bank. You also need to get that card cancelled ASAP - NOW!! Someone could be using those card details this very minute.

On Monday, you need to tell the bank that these transactions are not yours. They will request the sales slip from them and match these against your signature. (lets hope it wasnt PIN based). If the signature doesnt match, they will remove them. If the signature matches, then they will try and blame you. However, the police should step in and investigate. Especially if it is just one shop - that makes it easier for them.

Bossyboots

I didn't think the OP was saying s/he had not made the purchase transactions. I thought s/he had, and just expected the card to be bounced when the account ran out of money. S/he has therefore been charged for every transaction s/he made to the tune of £30 each. The cleared £30 penalty transactions will indeed have been taken out on the same day. My friend had a similar shock last month when she drew on her account before a cheque cleared and was charged £30 per transaction and they all came out at once, but as separate items.

Joe_Bloggs

To be charged 11 times for transactions in the same shop on the same day sounds strange. Perhaps a department store ? Perhaps CCTV tapes could be revealing ?
@ Bossyboots How can you tell that Stomper77 is a he ? A 50/50 guess ?
We are in the dark as the O/P has the facts and all we have are questions.
J_B.

Bossyboots

Joe_Bloggs wrote:

@ Bossyboots How can you tell that Stomper77 is a he ? A 50/50 guess ?
We are in the dark as the O/P has the facts and all we have are questions.
J_B.

Post amended to avoid offending anyone.

Stomper77

My account is a abbey debit account I was using the card at my work buying cigarettes and other small things I was lead to believe that once the money had run out in my account that it would be declined but I used the the card 11 times and charged 11 times at £30 with no funds in the account is they any way that I can get these charges lifted.
Or is this a valuable lesson in life
Most expensive cigarettes I have ever bought at £35
And I am a She lol

dunstonh

ahh.

Its a valuable lesson in life.

Debit cards are not checked against the balance on small amounts and as the payments are guaranteed, the bank cannot bounce them. The bank was totally within its rights to charge you for unauthorised borrowing.

I do have to ask; didn't you know you were spending money that wasnt in the bank account?

Bossyboots

Stomper77 wrote:

My account is a abbey debit account I was using the card at my work buying cigarettes and other small things I was lead to believe that once the money had run out in my account that it would be declined but I used the the card 11 times and charged 11 times at £30 with no funds in the account is they any way that I can get these charges lifted.
Or is this a valuable lesson in life
Most expensive cigarettes I have ever bought at £35
And I am a She lol

Sorry I got your gender wrong but at least I had understood what your first post meant.

Joe_Bloggs

Give up the fags and save a fortune. You can get NHS help to do this.
If you stick with us you might put your finances in a better focus and reduce your stress level in any event.
Appologies to Bossyboots. Clearly you could grasp Stomper77's post better than I. I recently used the term 'one armed bandit' I feel guilty to this day.
J_B.(AKA The Fugitive.)

Bossyboots

Joe_Bloggs wrote:

Give up the fags and save a fortune. You can get NHS help to do this.
If you stick with us you might put your finances in a better focus and reduce your stress level in any event.
Appologies to Bossyboots. Clearly you could grasp Stomper77's post better than I. I recently used the term 'one armed bandit' I feel guilty to this day.
J_B.(AKA The Fugitive.)

To be honest, I think I picked up on it because the £30 cleared debits on the same day was what happened to my friend.