Been charged £22 by bank for being less than £1.50 overdrawn! - HotUKDeals
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Been charged £22 by bank for being less than £1.50 overdrawn!

ryouga Avatar
8y, 3m agoPosted 8 years, 3 months ago
My fault I am overdrawn but disgusted over their atttitude.

What happened was I needed to take some cash out, I had £38.78 in bank and so decided to try and see if I could take out £40 just as I needed it since I had to pay electric for house and some food etc.

Anyway they automatically charged me £22 on the spot and when I went in next day to pay money in(in total about 10 hours had passed from taking money out) they told me about the charge

I was about to pay £20 in as I just got some cash that day but it would of been swallowed up by the charge

The advisor was very rude and said they couldnt help, told me to contact customer service, refused to let me use the in branch phone(which was for CS) and said it was my own fault for being overdrawn and I shouldnt of been greedy taking more out than I had.

Got through to CS but the person wasnt British and spoke very bad English and didnt care and just said I was overdrawn therefore I had to pay the charge.

They also claim they sent me out a letter confirming the changes to the system a few weeks ago and though I said I didnt have it they didnt believe me basically saying it was sent therefore I got it!

What can I do as I cant afford to pay the charge.
ryouga Avatar
8y, 3m agoPosted 8 years, 3 months ago
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#1
Not a lot you can do, thats life ive done similar recently with a bounced paypal direct debit id forgot was due to go out, i'll be billed for it soon I guess, my fault tho so its its tough luck.

You knew you was withdrawing more than you had available and unless you had an arranged fee free overdraft thats your lookout, best advice I can give is learn to manage your finances better mate. Not the most pleasant of responses I know but thats the harsh reality of the situation.
#2
I had this when i went overdrawn by a couple of quid a lloyds Tsb. I'd only had the overdraft feature for a week (£50) but i went over by a small amount.

Basically they charged me a set amount and then something like £10 a day for everyday i was overdrawn (took me two days to get the letter, even though the branch is a minutes walk from my house). When i went in they told me i could have it so they txt me when i got overdrawn but could no reverse the charges. Was rather peeved as i had not been offered this the week before when i actually had the overdraft put on.
#3
sounds like barclays, i got a letter couple of months ago saying they were gonna add a reserve to my account and anytime am overdrwn i ll be charged a flat fee of 22quid for 5 working days irrespective of hw many times am overdrwwan in those 5 days, I was meant to sign something to say I aggree but i didnt, so i have been overdrawn by a few pences and they have charged me, so I am going into the branch to shout at someone as to why i was charged as I did not sign anything in agreement.
#4
I'm supprised at this to be honest as i'd have thought you would be covered by a £10 buffer that a lot of banks use. Seems a great shame for the sake of £1.50
#5
smash a window at the bank it will cost them more than £22 to get it fixed or pinch pens every time you go into the branch until you think you have £22 worth:w00t::whistling:
#6
bellabonkers
I'm supprised at this to be honest as i'd have thought you would be covered by a £10 buffer that a lot of banks use. Seems a great shame for the sake of £1.50


Thats what I thought as the week before i was like £4 over due to Sky taking direct debit 2 week early and taking £5 too much and was told it was fine if I paid the overdrawn amount back within a week of it happening.

The advisors attitude was "we sent a letter therefore you recieved it, read it and agreed to it"
#7
ryouga
Thats what I thought as the week before i was like £4 over due to Sky taking direct debit 2 week early and taking £5 too much and was told it was fine if I paid the overdrawn amount back within a week of it happening.

The advisors attitude was "we sent a letter therefore you recieved it, read it and agreed to it"


If you can afford to pay for Sky, you can afford to pay the bank, just need to get your priorities right.

You knowingly helped yourself to the Banks money, then come on here moaning because they have charged you.

They are running a business, not a Charity.:whistling:
#8
Inactive
If you can afford to pay for Sky, you can afford to pay the bank, just need to get your priorities right.

You knowingly helped yourself to the Banks money, then come on here moaning because they have charged you.

They are running a business, not a Charity.:whistling:


I cant afford to pay for Sky! just cant cancel it, it was just so I could get the broadband and telephone which my flatmates share the cost of.
#9
saayinla
sounds like barclays, i got a letter couple of months ago saying they were gonna add a reserve to my account and anytime am overdrwn i ll be charged a flat fee of 22quid for 5 working days irrespective of hw many times am overdrwwan in those 5 days, I was meant to sign something to say I aggree but i didnt, so i have been overdrawn by a few pences and they have charged me, so I am going into the branch to shout at someone as to why i was charged as I did not sign anything in agreement.


i'm with them, got some leaflet a few weeks ago- i have an agreed overdraft they better not charge £22 for using that :x i pay £7 a month to get it
#10
ryouga
I cant afford to pay for Sky! just cant cancel it, it was just so I could get the broadband and telephone which my flatmates share the cost of.


Oh well sorry, another self inflicted wound, don't get in to long term contracts for BB, there are plenty that offer 30 day contracts.

Sorry, if you help yourself to the Banks money, they are going to charge you, perhaps they may set up an overdraft facility for you for the future, at least that way you will have their permission to spend their money, you will obviously still get charged for it.
#11
isnt there a test case for something like this (ott fees for small ventures over the limit)
#12
Inactive
Oh well sorry, another self inflicted wound, don't get in to long term contracts for BB, there are plenty that offer 30 day contracts.

Sorry, if you help yourself to the Banks money, they are going to charge you, perhaps they may set up an overdraft facility for you for the future, at least that way you will have their permission to spend their money, you will obviously still get charged for it.


Wow I helped myself to less than £1.50 that the banks could ill afford intending to pay it back a few hours later.(not getting at you)

The BB is needed for the house and of course there is 30 day contract ones but needed it cheap as possible and 2 of the flatmates wanted sky tv.

How much did the bank lose by me taking less than £1.50 out

How much do they gain!

They could of just refused the transaction instead of charging me at same time.

Great deal for them charging £22 for less than £1.50 for a few hours.
#13
i went over drawn for 17p in lloydstsb

even tho i have the text msg thing to tell me when im gonna go over and i have till 3.30 to pay it in so i dont get charged. obviously something came out......and i get charged 2.50 a month for that service...pathetic man...
#14
Customer services are usually pretty good, just phone them and ask them why the allowed a direct debit to go through when you had phoned a week prior to cancel it

Tell them it's there fault and you don't think you should be paying any charges to them.

As an act of good will they will 99% of the time refund your charge if it is the first time you have asked.

I'm not going to re brief you on your financial control as it's not my place too and i'm just as bad sometimes lol
#15
RedIron
Customer services are usually pretty good, just phone them and ask them why the allowed a direct debit to go through when you had phoned a week prior to cancel it

Tell them it's there fault and you don't think you should be paying any charges to them.

As an act of good will they will 99% of the time refund your charge if it is the first time you have asked.

I'm not going to re brief you on your financial control as it's not my place too and i'm just as bad sometimes lol


Its ironic, I only took out the £40 since I knew it was just over a quid over what I had

Had I only had like £35 I would of taken the £30 out

Just like had I known I would of been charged I would of just taken out £30

I thought the banks wouldnt of been petty just because of just over a quid.
banned#16
ryouga;2823389
Its ironic, I only took out the £40 since I knew it was just over a quid over what I had

Had I only had like £35 I would of taken the £30 out

Just like had I known I would of been charged I would of just taken out £30

I thought the banks wouldnt of been petty just because of just over a quid.

Name and shame............

My money is on either Barclays, natwest or HSBC!

Surely, in this day and age people know that the banks WILL charge you for going overdrawn unless you have an agreed overdraft.

Moral of the sory is to agree an overdraft with your bank. Most don't charge anything for agreeing the overdraft. Better still, get over to one of the more accommodating banks (e.g. Smile - automatic £500 overdraft).
#17
And dont use these penny pinching banks that wont hire operatives that use English as a first language.
It drives me mad to be put through to India, to speak to someone who cant talk properly when im sorting finances out.

Close your account as soon as possible and move to one that uses UK call centres.
banned#18
££ JASE ££;2823738
And dont use these penny pinching banks that wont hire operatives that use English as a first language.
It drives me mad to be put through to India, to speak to someone who cant talk properly when im sorting finances out.

Close your account as soon as possible and move to one that uses UK call centres.

hear hear! :thumbsup:
suspended#19
saayinla
sounds like barclays, i got a letter couple of months ago saying they were gonna add a reserve to my account and anytime am overdrwn i ll be charged a flat fee of 22quid for 5 working days irrespective of hw many times am overdrwwan in those 5 days, I was meant to sign something to say I aggree but i didnt, so i have been overdrawn by a few pences and they have charged me, so I am going into the branch to shout at someone as to why i was charged as I did not sign anything in agreement.



We are with Barclays and got the letter about the reserve and I'm sure it said you had to sign and send off the form if you didn't want it?
#20
last year i went overdrawn by £1:25 for one day and was charged £28 by Natwest. OH went with me to sort it out and went down the line of "never happened before and will never happen again blah blah" then when they didnt seem too helpful he just asked to close my account. The woman wnet off to talk to the manager and as a "goodwill gesture" they debited my account with the charge and apologised :)
#21
Where do you think banks make their money?
#22
ryouga


Had I only had like £35 I would of taken the £30 out

Just like had I known I would of been charged I would of just taken out £30

I thought the banks wouldnt of been petty just because of just over a quid.


Replace " of " with " have "..there you go a free English lesson for the morning. :thumbsup:
#23
££ JASE ££;2823738
And dont use these penny pinching banks that wont hire operatives that use English as a first language.
It drives me mad to be put through to India, to speak to someone who cant talk properly when im sorting finances out.

Close your account as soon as possible and move to one that uses UK call centres.



But some of the over seas call centres speak better English than the UK ones? I get a call every week about changing accounts and I get some English lady that sounds like this 'maaa maaaa yaaaaa?'

Then when you talk to her its 'could you mmaaaa yaa down?'

To which you say 'slow down' then you get 'yaa maaaaa.'

Never had any problems with the overseas people as they learn accents and understand you better than yourself.
#24
Write letter complaining of excessive charge, should be cut to about £12; or check MSE site for details concerning bank charges and how to claim it back.
You have detailed before that you are a student, why do you not have an overdraft facility? If it is a student account surely you have 0% overdraft facilities
#25
csiman
Name and shame............

My money is on either Barclays, natwest or HSBC!

Surely, in this day and age people know that the banks WILL charge you for going overdrawn unless you have an agreed overdraft.


I haven't had a problem with HSBC, the one i DO have a problem with is Halifax, they truly are robbing bugggers. If I go over 1p overdrawn, i get hit with a £35 charge! I got one the other day, because Paypal held up my money, which i requested before i went on holiday, so assumed the money was there. Phoned up Halifax on my return and they couldn't care less, so much for goodwill. Caused them more trouble now anyway, i'm just gonna claim back every single charge now instead. That'll teach them
#26
The-Dude
But some of the over seas call centres speak better English than the UK ones? I get a call every week about changing accounts and I get some English lady that sounds like this 'maaa maaaa yaaaaa?'

Then when you talk to her its 'could you mmaaaa yaa down?'

To which you say 'slow down' then you get 'yaa maaaaa.'

Never had any problems with the overseas people as they learn accents and understand you better than yourself.


This is what happens when you take drugs kids.
#27
££ JASE ££;2824353
This is what happens when you take drugs kids.


Its not my fault its this bleach I had for breakfast.
#28
Did you take the money out through the ATM ?

Didn't think cash machines would allow you to take out money that was not there.. Well aware that DDs,cheques and Card transactions (including foreign atm use) can take you overdrawn but ATM's should not allow you to take out money that is not there at least this was the case with Abbey.

You could go through their complaints procedure and not question the legality. (if you do question it they will put it on hold until the results from the test case return) I would definitely give them a ring again, just be polite but don't back down.
#29
We should have a Name and Shame thread for companies like this.
#30
With the state of the banks at the moment and only makng 1 billion profit rather than the 6 billion theyve got to pay for their x-mas meal somehow!
banned#31
thrustmaster;2824592
Did you take the money out through the ATM ?

Didn't think cash machines would allow you to take out money that was not there.. Well aware that DDs,cheques and Card transactions (including foreign atm use) can take you overdrawn but ATM's should not allow you to take out money that is not there at least this was the case with Abbey.

not to mention the facility exists in most to get a balance.
#32
doogan9
We should have a Name and Shame thread for companies like this.


Why? The customer didn't have the money. Strange that when a bank does a good thing its never posted....
#33
Banks do good things!?!?!?:w00t:
#34
Yeah, I moved from a student account to a freedom one(500 pound overdraft). When I was there they sorted my other accounts and moved my saving to a better deal. A while back they stop a large transaction from a third party as well. So they do great things, if you have money they do great things. But like credit card companies and to that any company, as soon as you owe money its a differant thing.

They are a business after all and not your parents.
#35
Surely when you don't have much money is when you need the most help.

If i could live without a bank account, i would, but i can't, i'd get extra charges for not paying direct debit for various services, and even then what would i do, post them cash? Work pay into my bank account, even if i got a cheque i would still need to cash it, and they won't pay in cash. We are FORCED to use the institutions
banned#36
what is the problem? You took money that was not yours and your were charged. If you stole something worth £1.50 from a shop you could be arrested so count yourself lucky!

Free banking is near the end now so all get used to paying hefty charges so have DD's etc going in and out of your accounts instead of high unpaid charges. This is not the fault of the high bank charges but by people who cannot run their accounts within the agreed limit/credit.
banned#37
peodude
Surely when you don't have much money is when you need the most help.

If i could live without a bank account, i would, but i can't, i'd get extra charges for not paying direct debit for various services, and even then what would i do, post them cash? Work pay into my bank account, even if i got a cheque i would still need to cash it, and they won't pay in cash. We are FORCED to use the institutions


Use a credit union if you do not want to use a Bank http://www.abcul.org/page/index.cfm
#38
Free banking cannot be scrapped whilst other companies are still discriminating.

Orange charge £3 if i don't pay Direct Debit
Virgin Media charge £5 if don't pay bi Direct Debit

I'm sure there is lots of other companies too, as i said, if it was possible to live without a bank, than i would.
#39
hankmarvin4
Use a credit union if you do not want to use a Bank http://www.abcul.org/page/index.cfm


I'll have a look at that. Thanks :thumbsup:
banned#40
peodude
Free banking cannot be scrapped whilst other companies are still discriminating.

Orange charge £3 if i don't pay Direct Debit
Virgin Media charge £5 if don't pay bi Direct Debit

I'm sure there is lots of other companies too, as i said, if it was possible to live without a bank, than i would.


If the Bank's are forced to drop their unpaid/unauthorised borrowing charges, free Banking will be a thing of the past, whether anyone likes it or not. The Bank's will decide on what happens and no one else, and that includes the FSA, BOE etc!

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