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Bank overdraft charges - possible to claim?

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I have been charged £125 worth of bank charges over 2 months. Is there anyway of claiming this back? For example, at one point I had £5 in my bank, and they charged unauthorised fees from the previ…
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7y, 2m agoPosted 7 years, 2 months ago
I have been charged £125 worth of bank charges over 2 months. Is there anyway of claiming this back?

For example, at one point I had £5 in my bank, and they charged unauthorised fees from the previous month of £25. This took me to - (negative) £20.

The following month, they go ahead and charge me £25 again because of the above. Surely this is wrong since its their fault for taking me into negative?

Also, they always authorise DD even when I'm in Negative and then charge me £15.

They're making money off me :-(
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7y, 2m agoPosted 7 years, 2 months ago
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#1
Not what you want to hear, but none of it would have happened if you had enough in your bank to pay your bills in the first place.
[mod]#2
Was it the banks fault that you went over an agreed overdraft the previous month?

You need to realise that your actions have caused this and I am afraid you cannot blame anyone else but yourself. Especially not the bank.
#3
too late for the claim back now, the courts cleared them legal

http://news.bbc.co.uk/1/hi/business/8376906.stm
#4
moneyexpert have had a campaign of high bank charges.

http://www.moneysavingexpert.com/reclaim/bank-charges?gclid=CK-2kvCYv58CFY5n4wod5DFDsg

might be some helpful infol

edit. Yes, there has been a "bad" ruling, but the campaign is continuing. Don't expect to get it back anytime soon.
#5
If I was you I would make an appointment to see an adviser in your branch (all Banks will do this) to try & sort out your finances before this happens again .. & at the same time ask if there is any way you can get some of the charges wavered? (they do this too sometimes) Good luck!
#6
Plum
moneyexpert have had a campaign of high bank charges.

http://www.moneysavingexpert.com/reclaim/bank-charges?gclid=CK-2kvCYv58CFY5n4wod5DFDsg

might be some helpful info.


yep as said all over now
#7
They keep charging me fees even when Im in postive though.
What does this mean;
E.g 'instant overdraft fee request' £5?

they have charged this twice in one day.
#8
i can understand where your comming from, i think its daft when they charge you when you have no money in and it makes you overdrawn, its stupid they should wait till you have funds, but like you said there making money from you so they probably dont care, which bank are you with, im not 100% sure but i think you can have 2 charges refunded a year, im with alliance and leicester and i dont get charged often but when i have they have given me the money back as as soon as i noticed i was OD i put money in the same day.
#9
sorry to say but you need to make sure you have enough in and then it wouldnt happen.
#10
ele-font
They keep charging me fees even when Im in postive though.
What does this mean;
E.g 'instant overdraft fee request' £5?

they have charged this twice in one day.


i get charged £5 a month for using my overdraft, but i dont mind paying that
banned#11
never paid bank charges in my life. I just threaten to leave and they have ALWAYS refunded me.
banned#12
pink-ka;7648681
i get charged £5 a month for using my overdraft, but i dont mind paying that

why not just switch to a bank with a free overdraft facility (e.g. SMILE bank - up to £500 free).

http://www.smile.co.uk/servlet/Satellite?cid=971088191738&pagename=Smile%2FPage%2FsmView&c=Page
banned#13
csiman;7648691
why not just switch to a bank with a free overdraft facility (e.g. SMILE bank - up to £500 free).

http://www.smile.co.uk/servlet/Satellite?cid=971088191738&pagename=Smile%2FPage%2FsmView&c=Page
#14
Go in and speak to someone in your branch.

Do NOT however kick up a stink. Be polite and explain what has happened.

You may get something back but they are not obliged to do so.

And in the future make sure you leave enough in your account just in case.
#15
£5 is acceptable... sometimes they charge £15.. but £25 is high. This is with Abbey by the way.
Natwest charge a ridiculous £38!!!

Think i'll take make an appointment to see abbey, and threaten to leave. hope it works
#16
Alfonse
yep as said all over now


The large female has not belted out the number quite yet.

The campaign continues although def dark days will lots of hand rubbing by the equally ample felines.
[mod]#17
If you know you are going to go overdrawn then just ring them and ask for a temp overdraft/overdraft extension and then you won't get charges.
[mod]#18
pink-ka
i can understand where your comming from, i think its daft when they charge you when you have no money in and it makes you overdrawn, its stupid they should wait till you have funds, but like you said there making money from you so they probably dont care, which bank are you with, im not 100% sure but i think you can have 2 charges refunded a year, im with alliance and leicester and i dont get charged often but when i have they have given me the money back as as soon as i noticed i was OD i put money in the same day.


What if you rack up a huge set of fees and then leave next month or move house etc?

It is not daft by the banks. It is daft by the account holder for being in that position.
#19
ele-font
£5 is acceptable... sometimes they charge £15.. but £25 is high. This is with Abbey by the way.
Natwest charge a ridiculous £38!!!

Think i'll take make an appointment to see abbey, and threaten to leave. hope it works


i have an account with abbey i opened it just for my paypal and i got charged just the one time when i had to confirm my paypal they took a small amount out for me to confirm the account and thats before i even got chance to put anything in as i didnt realise.the £25 charge is for going overdrawn the £15 charge is because you have been overdrawn for more than 24 hours without putting the money back in or so thats what abbey told me when it happened i was fairly annoyed as i have a account with rbs and have had that for at least the last 12 years and have never had one charge.oh and i got the £15 back but they said there was nothing they could do about the £25 one.oh and something else that annoys me with abbey is if you go overdrawn say on the 29th dec and stay overdrawn till 1st jan they will charge you for dec and jan so thats 2 lots of charges.
#20
Plum
The large female has not belted out the number quite yet.

The campaign continues although def dark days will lots of hand rubbing by the equally ample felines.


a campaign is nothing against a supreme court ruling, as its stands now they are legit thats all that matters, but as has already been said a polite chat with the bank may prove fruitful
#21
I went overdrawn for the 1st time ever the end of last month, didn't even know I had. BT (my employer) recalled my pay before it had been credited to my account (still don't know why) leaving me -£600 for a matter of minutes as they recredited the account some minutes later. Natwest wanted to charge me £25 for the privledge of going o/d. Rang CS after I received a letter telling me I'd be charged and said I'll take my banking needs elsewhere, the fee was cancelled. Also showed BT the letter and got my £25 quid back.

Natwest attempted to levy a £25 charge not £38 defnitley
1 Like #22
Syzable
If you know you are going to go overdrawn then just ring them and ask for a temp overdraft/overdraft extension and then you won't get charges.

My DD dates were a couple days early/late because of the holidays just gone. And they never send me a notice via post regarding my banks situation.

greyparrot
i.........oh and i got the £15 back but they said there was nothing they could do about the £25 one.oh and something else that annoys me with abbey is if you go overdrawn say on the 29th dec and stay overdrawn till 1st jan they will charge you for dec and jan so thats 2 lots of charges.

Think I'll use this scenario also. thanks for the advice :)
#23
Alfonse
a campaign is nothing against a supreme court ruling, as its stands now they are legit thats all that matters, but as has already been said a polite chat with the bank may prove fruitful


I agree a polite chat with the bank cannot hurt and may help. However I am not sure why you want to extinguish all hope of wider progress. The courts of the land are supposed to pursue justice, so if the case is just is can prevail.

Below is a small quote from moneyexpert on faq. Much more information available on the ongoing campaign.

A. After the Supreme Court case, MoneySavingExpert engaged top barristers Raymond Cox QC and Giles Wheeler, via the Govan Law Centre, to look at the new arguments as indicated by the Supreme Court, and other legal areas. We have now received their provisional advice. We believe there are three strong routes to taking the campaign further.
#24
Plum
I agree a polite chat with the bank cannot hurt and may help. However I am not sure why you want to extinguish all hope of wider progress. The courts of the land are supposed to pursue justice, so if the case is just is can prevail.

Below is a small quote from moneyexpert on faq. Much more information available on the ongoing campaign.

A. After the Supreme Court case, MoneySavingExpert engaged top barristers Raymond Cox QC and Giles Wheeler, via the Govan Law Centre, to look at the new arguments as indicated by the Supreme Court, and other legal areas. We have now received their provisional advice. We believe there are three strong routes to taking the campaign further.


its extinguished until the law is changed otherwise
banned#25
it's possible to ask, but probable you will have no success

Its soley your fault for going over your agreed OD limits and were charged accordingly.

The bank will always honour a DD regardless if it takes you OD - thats what the DD guarantee is all about
banned#26
ele-font

For example, at one point I had £5 in my bank, and they charged unauthorised fees from the previous month of £25. This took me to - (negative) £20.


You would have been made aware that a charge was to be made and should have budgeted accordingly


ele-font
The following month, they go ahead and charge me £25 again because of the above. Surely this is wrong since its their fault for taking me into negative?


No - its your fault for not having enough money in your account

ele-font
Also, they always authorise DD even when I'm in Negative and then charge me £15.


DD's will always be paid - again, you should have had enough in your account to cover your DD's

ele-font
They're making money off me :-(


NEWSFLASH!!!!

Banks are (badly run, admittedly) businesses - their main aim is to make money
#27
Alfonse
its extinguished until the law is changed otherwise


Wow you said until! not if. Maybe just a tiny ember of hope inside that cold exterior! Just joshing :-D
Well anyway Op sounds like she's sorted for now. So go in peace my friend. :)

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