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...build a snowman Read More
dcx_badass Avatar
7y, 9m agoPosted 7 years, 9 months ago
...build a snowman
dcx_badass Avatar
7y, 9m agoPosted 7 years, 9 months ago
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#1
I was charged £75 for not having £1 in my account (probably about 2 years ago now) I didn't realise rapidshare payment was setup as a subscription on paypal so it tried to take money out of my bank account 2-3 times.

I just went in and spoke to the branch manager, said sorry and he reversed the charges... i'm sure you can probably do the same
#2
Have it out in your branch but if you do not get anywhere pay the charges & reclaim them later. It's not worth it imo
#3
Bang on!!
If you dont go overdrawn you wont be charged... not really Rocket science to be honest.
There is an alternative option to the Bank and that would be called a mattress..
So with all the options, such as Internet Banking, Phone Banking, Mobile Banking, and cashpoint options which I might add are all 24 hours you were unable to check to establish that your account would go overdrawn..
However I may agree that the cost is a little excessive "Ignorance is not an excuse"...
No offence to yourself but I hope they do not back down.
The reason Banks have charges is to make money and control people who cannot control themselves...Nothing for free in this world..
#4
dcx_badass
I'll just tell them I'd like to withdraw the £6000 out my accounts and close them all if they don't, and my parents will do the same. Simples, just got to wait till I'm home.


If you had 6k why you go overdrawn then?!!
#5
jonnic
Bang on!!
If you dont go overdrawn you wont be charged... not really Rocket science to be honest.
There is an alternative option to the Bank and that would be called a mattress..
So with all the options, such as Internet Banking, Phone Banking, Mobile Banking, and cashpoint options which I might add are all 24 hours you were unable to check to establish that your account would go overdrawn..
However I may agree that the cost is a little excessive "Ignorance is not an excuse"...
No offence to yourself but I hope they do not back down.
The reason Banks have charges is to make money and control people who cannot control themselves...Nothing for free in this world..


What a helpfull post! :whistling:
#6
dcx_badass;5633070
Yes I know, but it's a little hard when travelling abroad, I'd rather just have them declined, especially when I have the money in another account and it was only 2 days.


I am led to believe a Visa transaction "if that is what you are talking about" cannot be declined.
You seem to be moaning about the charges in terms of unable to check your account etc, however you have the ability to log onto Hotukdeals but not your bank account?...
Don't really want to come across as being unscrupulous in my opinion but if people dont abide by the rules they need to accept responsibility for their actions.
If I park on Double Yellows and get caught I expect to pay the fine?..
#7
Nitro111;5633110
What a helpfull post! :whistling:


Urmm she did not ask for help hence the unhelpful post...

She was having a rant and I too was having a rant back...

Which is more helpful than your post?..:whistling::whistling:
#8
dcx_badass
Yes I know, but it's a little hard when travelling abroad, I'd rather just have them declined, especially when I have the money in another account and it was only 2 days.


That depends how you look at it, I'd be more annoyed if my card was ever declined as I have other accounts and the bank should know I'm good for the money:?

And I'm sorry but in my experience withdrawing a few grand makes no odds to them either, you could have arranged for it to be ok if you go a few quid over but you didn't....... So now you have to pay. Just put in down as a lesson learnt and move on:thumbsup:
#9
you have a point jonnic but these charged are way OTT - it's simply not fair to chrage people this much!

I've not had a bank charge for around 10 years now but when the whole reclaiming bank charges first kicked off we cliamed around £4500 back for my GF - many of the charges were like this one - she was getting charged around £200 a month for innitially going a few pounds overdrawn then it just kept getting worse every month because of the knock on effect of the months before charges.

I think people should be charged but no where near this much!
#10
[quote=worto03;5633189]you have a point jonnic but these charged are way OTT - it's simply not fair to chrage people this much!

I've not had a bank charge for around 10 years now but when the whole reclaiming bank charges first kicked off we cliamed around £4500 back for my GF - many of the charges were like this one - she was getting charged around £200 a month for innitially going a few pounds overdrawn then it just kept getting worse every month because of the knock on effect of the months before charges.

Quote from my original post:
However I may agree that the cost is a little excessive "Ignorance is not an excuse"...

Yes they are a little excessive as they are in the business of making money. And like a previous poster pointed out "threatening to remove my 6k is not enough " Speak to them nicely and they might just reduce the charges...
#11
jonnic
Urmm she did not ask for help hence the unhelpful post...

She was having a rant and I too was having a rant back...

Which is more helpful than your post?..:whistling::whistling:


I think you are missing the point of this site. Spellchecking is quite easy once you get the hang of it as well. lol
#12
It happens to me alot. I have 2 accounts well 3 really and sometimes forget to shift the money between them, not fair really, they should take it from another account if it has funds.
#13
RuthIess
It happens to me alot. I have 2 accounts well 3 really and sometimes forget to shift the money between them, not fair really, they should take it from another account if it has funds.


I'd go ballistic if they did that without my permission:o
#14
rwm24
I was charged £75 for not having £1 in my account (probably about 2 years ago now) I didn't realise rapidshare payment was setup as a subscription on paypal so it tried to take money out of my bank account 2-3 times.

I just went in and spoke to the branch manager, said sorry and he reversed the charges... i'm sure you can probably do the same


Out of interest, where is your bank? I've noticed from being at uni in a city (Wolverhampton), the bank branches there and in other closeby city areas seem to try to get rid of you as soon as possible and aren't really willing to do much for you, possibly because they are more interested in all the big business customers.

I say this in comparison to a local branch in Cromer, Norfolk which is my hometown where I can go and get pretty much anything sorted just by asking nicely without having to get mad and ask to make a complaint.
banned#15
Why do people get bank charges? I've got an agreed overdraft limit of £500 with my bank I rarely use it if I do I have to pay like 20p interest, I also have £500 overdraft limit on my joint account with the fiancée....she also has a £500 overdraft limit facility on her own account. Never had to pay any charges though.

Once I messed up on a mortgage payment that came out of the wrong account and took me over but I went straight down to the bank to sort it out that business day and they promised I wouldn't be charged.

With Lloyds TSB btw.
#16
jtx
I'd go ballistic if they did that without my permission:o


I went ballistic when they charged me £60 for 2 days!!
#17
dcx_badass
It's in my other account, I moved money over as soon as I noticed I was overdrawn and got out of it straight away withing two days.



I'm travelling around the world I don't constantly have the internet, and if I did, there's a difference between logging into hotukdeals and my bank account on an unsecured wireless network.

For what happened £25 would be a rediculous charge, but £140 for 2 days!


This is the same as me, exept the travelling around world. Dude they are thieving mugs, just demand your money back. Im doing that next time it happens.

Infact you just saved me as i realised it was the first and i forgot to transfer £12 to my other account for TV lisence. Now i have hopefully they wont charge me! :)
#18
dcx_badass
Ok my mum rang and they've agreed to refund them as it's my first time, but they need to wait till I'm home and speak to me just to double check that I'd like them removed lol.


Hope she got the advisors name :p

Most banks will offer first refund/waiver as customer care however it still has to meet a cetain criteria and there are limits. They would not be able to confirm for sure that they would reverse your charges as when speaking with your mother it is illegal for them to discuss your account.
#19
Although I agree the charges are a complete rip off, I think it is easy enough to avoid them. When I am abroad I use internet banking to check my balance or telephone banking. I also have an overdraft on it which I don't really use often just incase I go a wee bit over.

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