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advice on excuses for late overdraft request

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anyone have any good excuses why i could forfeit a overdraft charge on one of my debit cards? has anyone ever used an excuse before and what was it? Read More
killerbee Avatar
9y, 1m agoPosted 9 years, 1 month ago
anyone have any good excuses why i could forfeit a overdraft charge on one of my debit cards?

has anyone ever used an excuse before and what was it?
killerbee Avatar
9y, 1m agoPosted 9 years, 1 month ago
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#1
You could try that you had the cash to pay into your branch but that you were ill and couldnt get there. Will only work if you have no charges reversed before as they told me they are only allowed to do one guesture of goodwill per account
#2
Pinkkitty that is a good one....i used one once which was true but a little elaborate, that i had the money to pay into my hand to pay in (to stop a cheque bouncing) and i said that i left work early to get there and pay it in before it shuts at (5.30/6pm) and they shut 5 mins early which was bang out! And cos it was cash it would have gone staight into my account and cheque would have cleared!!!

(Also, ive had penalties cleared more than once with nationwide.)
#3
Robboshef
Pinkkitty that is a good one....i used one once which was true but a little elaborate, that i had the money to pay into my hand to pay in (to stop a cheque bouncing) and i said that i left work early to get there and pay it in before it shuts at (5.30/6pm) and they shut 5 mins early which was bang out! And cos it was cash it would have gone staight into my account and cheque would have cleared!!!

(Also, ive had penalties cleared more than once with nationwide.)


Im with a different bank so they must have a different policy. I had an account with the royal bank of scotland and they refused any goodwill on charges even though it was something that was their fault so i bank with someone else now
#4
Dear sir,
I was unable to get to the bank on time because of my accident. I am a bricklayer by trade. On the day of the accident, I was working alone on the roof of a new six story building. When I completed my work, I discovered that I had about 500 pounds of brick left over. Rather than carry the bricks down by hand, I decided to lower them in a barrel by using a pulley, which, fortunately, was attached to the side of the building at the sixth floor.

Securing the rope at ground level, I went up to the roof, swung the barrel out and loaded the brick into it. Then I went back to the ground and untied the rope, holding it tight to insure a slow descent of the 500 pounds of bricks. You will note, in block number 11 of the accident reporting form, that I weigh 135 pounds.

Due to my surprise of being jerked off the ground so suddenly, I lost my presence of mind and forgot to let go of the rope. Needless to say, I proceeded at a rather rapid rate up the side of the building.

In the vicinity of the third floor, I met the barrel coming down. This explains the fractured skull and broken collarbone. Slowed only slightly, I continued my rapid ascent, not stopping until the fingers of my right hand were two knuckles deep into the pulley. Fortunately, by this time, I had regained my presence of mind and was able to hold tightly to the rope in spite of my pain.

At approximately the same time, however, the barrel of bricks hit the ground, and the bottom broke out of the barrel. Devoid of the weight of the bricks, the barrel now weighed approximately fifty pounds.

I refer you again to my weight in the accident reporting form, block number 11.
As you might imagine, I began a rapid descent down the side of the building. In the vicinity of the third floor, I met the barrel coming up. This accounted for the two fractured ankles and the lacerations on my legs and lower body.

The encounter with the barrel slowed me enough to lessen my injuries when I fell onto the pile of bricks, and fortunately, only three vertebrae were cracked. I am sorry to report, however, that as I lay there on the bricks in pain, unable to stand, and watching the empty barrel six stories above me...I again lost my presence of mind...and let go of the rope! The barrel then descended and broke both my legs.

And that, sir, is how I was unable to get to you bank with my payment.

I do hope you will understand.


I know it's been posted before, but I think still funny. :whistling:
#5
pinkkitty2007
You could try that you had the cash to pay into your branch but that you were ill and couldnt get there. Will only work if you have no charges reversed before as they told me they are only allowed to do one guesture of goodwill per account


I've had lots of 'gestures of goodwill' in my time... Halifax and Nationwide accounts. Just call them - illness, whatever, they'll reverse it if you stay on the phone long enough!

Good luck!
#6
#7
aarond74


My friend started the process over a year ago and still getting no where
#8
if a single direct debit took you over the limit phone them up and say that you cancelled the said direct debit last month while you were instore - they will not be able to check phone records. Has worked for me. Good luck :)

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