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cmp79
| 09-05-2007 08:43 AM |
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Joined: 09 May 2007 Posts: 5 | hey all, Not sure if this is the right place to post this but... Recently I changed banks as my wife and I were getting a joint bank account. After I had transferred all my standing orders and direct debits across I left £100 in the bank just incase something I had forgetten about had to come out. Anyway it turns out, suprise, suprise a cheque I had written 4 months ago gets cashed and put me into an un-authorised over draft. So 10 days letter I get a fine for £30 for going into this. I phoned them up and let them know that I understood why I got charged, "yes I do know its in the terms" yadda yadda, but I told them I didn't agree with the cost, and because of that I now wanted to cancel my current account. To which they did no questions asked really, although I had to move money to pay the fine. Now this is where it gets annoying... A week later I see my savings account with them, with no money in it might I add, had gone into the red as well. This is because as well as the £30 charge for going into my unauthorised overdraft, I got another £28 charge for bouncing a cheque, so they moved that into my savings and put it into the red for which they wanted to charge me for as well. This is a joke right, I phoned them again, and once again I had to remind them, I know fine well why I have been charged, as they insisted on telling me, but firstly I don't agree with the values charged and secondly the other charges were caused by them not thinking. Is there anyway to contest this, as I seemed to be getting no where with the branch. Thanks cmp |
| DW George | 09-05-2007 09:45 AM |
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Joined: 01 May 2007 Posts: 174 My Profile | Hi cmp You're right it is a joke!! Good news. The banks have been found out! They can't just charge punitive penalties should you overdraw etc. on your account. What you need to do is write a letter to your bank, instructing them that they are in breach of contract and you want all charges refunded to you. If they don't refund the charges then you can sue them in the Small Claims court. The Small Claims procedure is relatively informal and inexpensive and you get your day in court. For more information read my article here. Let us know how you got on. |
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cmp79
| 09-05-2007 09:52 AM |
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Joined: 09 May 2007 Posts: 5 | Thanks for the prompt reply DW George. I'm doing that right now. Think I will try and keep it simple though, often have a habit of being really sarcastic when im annoyed at things like this. Should be worth it though as thats nearly £100 for nothing. The same amount the bank was advertising they would pay you if you moved to them four months back. |
