Cash Machine Charge cost my Brother £30!!! - HotUKDeals
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Cash Machine Charge cost my Brother £30!!!

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My Brother used a cash machine that is supposedly free and he has used many times before. After drawing out £10 he still had £16 in his account so used this (debit card) to by his £15 bus pass. Whe… Read More
Ungreat Avatar
9y, 3m agoPosted 9 years, 3 months ago
My Brother used a cash machine that is supposedly free and he has used many times before.

After drawing out £10 he still had £16 in his account so used this (debit card) to by his £15 bus pass. When he checked his account a few days later turns out the "free" cash machine has charged him £2 and made him overdrawn (he doesn't have an overdraft) and cost him £5 a day in fees coming to £30.

Is it possible to dispute something like this or will it be just be pointless. Basically what are a persons rights regarding bank charges?
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Ungreat Avatar
9y, 3m agoPosted 9 years, 3 months ago
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#1
Your only chance of a dispute is if they didn't put signs on the machine saying it would now cost a fee.

Even then you could only claim the £2 as going overdrawn is his responsibility.
#2
I believe the machine is required to warn you before withdrawal that it charges a fee.

What bank charged him £5 per day in fees, and what is the name of the account he has with them?
#3
He needs to speak to his bank ASAP, & explain what happened. They may well let him off the overdraft charges if he can plead a good enough case.
#4
If the cash machine was like in a newsagent,often they not free ones.
If he was going be charged the £2 I can't see how his card wasn't refused when he went to pay for travel pass. I have an Elecrton card,if the money isn't there,it be refused in the shop,no overdraft. I guess there was some delay in the £2 charge being acknowledged ( after he bought the bus pass obviously )
I don't know he need go in bank and explain whats happened,but they probably say well should known the atm would charge for withdrawel.I've not had to claim back any bank charges but there a lot about how to go about doing it over on MSE site.
#5
If the machine doesnt say it costs and it made him overdrawn then he should be able to claim his charges back from the people who charged him for using the machine. I have had a couple of similar situations with a company taking money for an item which was out of stock and costing me bank charges and i claimed the money back from the company. Id definately contact the bank and explain
#6
He's ringing the bank now.

I find it really funny, but then i'm a *******. :whistling:

The even funnier part of this is the reason he had no money in his account is because his work 'forgot' to pay him. He works in a Coffee shop and is moving stores, the manager of the old place thought it a good idea to remove him from the tills but accidently deleted hm from the system. :p
#7
Ungreat
He's ringing the bank now.

I find it really funny, but then i'm a *******. :whistling:



Thats sisterly love for you!!! :whistling:
#8
suze
Thats sisterly love for you!!! :whistling:


I'm male, at least I was the last time I checked. :?
banned#9
Ungreat;1608108
He's ringing the bank now.

I find it really funny, but then i'm a *******. :whistling:

The even funnier part of this is the reason he had no money in his account is because his work 'forgot' to pay him. He works in a Coffee shop and is moving stores, the manager of the old place thought it a good idea to remove him from the tills but accidently deleted hm from the system. :p

he should ask his boss to pay the charges as it was ultimately his fault. Most decent employers would pay bank charges if they cocked up their payroll
#10
Dispute it and if they don't refund the overdraft fees close the account and move to a different bank.
Also, tell them you will move banks if they don't drop the overdraft fees.
No bank manager would want to lose a customer for the sake of a few quid.
#11
What bank are you with, i had a super saver with Abbey, some money came out without me knowing, and them being stupid *******, let the money be taken out, made me overdrawn, with no overdraft limit. There excuse was, you can still go overdrawn even if you dont have a overdraft?WHAT?????? and they tried to sneak in 2 extra charges on top, cost me bloody £50 in the end.
#12
He's just allowed himself to be fobbed off with "you need to contact the cash machine company as any charges they make are not our problem". He's now not going to argue the point and is willing to take the charges, what an idiot.

So basically he's going to take a £30 hit because he was £1 overdrawn on an account that doesn't have an overdraft.
#13
Ungreat
He's just allowed himself to be fobbed off with "you need to contact the cash machine company as any charges they make are not our problem". He's now not going to argue the point and is willing to take the charges, what an idiot.

So basically he's going to take a £30 hit because he was £1 overdrawn on an account that doesn't have an overdraft.



Thats terrible. I think you should name and shame the bank he is with
#14
Ungreat
I'm male, at least I was the last time I checked. :?



Soooooooooooooooooo ......sorry!!! :oops:
#15
suze
Soooooooooooooooooo ......sorry!!! :oops:


lol, dont know why but i was sure he was a she too:oops:
#16
still get him to write a letter telling them what happened..i have had charges refunded but you have to speak to the right people-the ones on the phone often dont have authority so get him to call back too!!
DONT LET THEM WIN!!!
#17
homer_213;1608241
What bank are you with, i had a super saver with Abbey, some money came out without me knowing, and them being stupid *******, let the money be taken out, made me overdrawn, with no overdraft limit. There excuse was, you can still go overdrawn even if you dont have a overdraft?WHAT?????? and they tried to sneak in 2 extra charges on top, cost me bloody £50 in the end.

if you were subject to fraud you will get all your money back and be refunded all your charges. if you "forgot" about a direct debit or spent more than you had in your account, it's your own fault.

separately, UNGREAT, if your brother contacts the company who owns and administers the ATM, if they had no signs up saying it was a fee-charging machine, and the screens didn't tell him he would be charged, they should cover the cost of his charges, irrespective of whether the bank refunds them or not. after all, if they didn't tell him, it's basically theft.
banned#18
Never paid bank charges in my life as I just threaten to leave them and they always refund.
#19
Alliance and Leicester is the bank. I wouldn't take no for an answer but he doesn't seem willing to fight it, so unless I can convince him otherwise I think he's done.
#20
I've been with Alliance and Leicester man and boy for over 30 years, since they started as Girobank.
This last year the service has gone way down and now I find them penny pinching.
i.e. when you ring to activate their credit card, which they ask you to do using your phone and costs, they then try to sell you identity theft insurance! then I found out the number you ring is a third party!!! Great 'reverse' cold calling scam that they dont need to fund.
I am changing banks as I write!!!!!!

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