will_doyle
Banned
Registered: 25th Nov 08
Location: Exeter
User status: Offline
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I checked it 3 weeks ago and it was -£10
Checked my bank balance today was it was -£110
I didn't realsie that the bank charged you like £40 each week.
If I go to the bank can I ask them to freeze my account for a few weeks untill I get some money together?
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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Its a BANK not a CHARITY.. dont be so shit with your money..
Happy to help 
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ed
Member
Registered: 10th Sep 03
User status: Offline
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Just arrange and overdraft with them, you'll then get charged interest as opposed to an unarranged overdraft fee. Try a sob story with them too and they may revoke the charges if you look sad enough 
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swill_omnibus
Member
Registered: 12th Dec 07
Location: : S. wales Drives: Dodge Caliber
User status: Offline
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I'd say increase your overdraft limit so your safe, then when you got some money together then decrease the overdraft and so on.
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P1CK4D
Member
Registered: 19th Jun 06
Location: Around Essex Somewhere
User status: Offline
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I'll pay your bank charges to sleep with your sister 
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ShEp
Member
Registered: 9th Aug 05
Location: Dingwall, Highland
User status: Offline
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quote:
Originally posted by P1CK4D
I'll pay your bank charges to sleep with your sister
Dumbass
I'd nail her for free
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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But would she nail you for FREE is the question? 
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P1CK4D
Member
Registered: 19th Jun 06
Location: Around Essex Somewhere
User status: Offline
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quote:
Originally posted by ShEp
quote:
Originally posted by P1CK4D
I'll pay your bank charges to sleep with your sister
Dumbass
I'd nail her for free
How is that dumb? Obviously paying him, may stand more of a chance than your freebie advances 
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ShEp
Member
Registered: 9th Aug 05
Location: Dingwall, Highland
User status: Offline
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None of us need Doyle approval
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will_doyle
Banned
Registered: 25th Nov 08
Location: Exeter
User status: Offline
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I didn't even no I had an overdraft. Shouldnt they of emailed me / phoned me / written to me to say that my balance was below £0?
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P1CK4D
Member
Registered: 19th Jun 06
Location: Around Essex Somewhere
User status: Offline
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quote:
Originally posted by ShEp
None of us need Doyle approval
Every little helps
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swill_omnibus
Member
Registered: 12th Dec 07
Location: : S. wales Drives: Dodge Caliber
User status: Offline
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Nah as normally the bank never phone due to fraud (that kinda thing) so best bet is to just get an overdraft to avoid anymore bank charges and go about paying it off then i'd say.
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ShEp
Member
Registered: 9th Aug 05
Location: Dingwall, Highland
User status: Offline
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quote:
Originally posted by will_doyle
I didn't even no I had an overdraft. Shouldnt they of emailed me / phoned me / written to me to say that my balance was below £0?
You don't have an overdraft thats why you were charged
You have been charged for an unauthorised overdraft.
They will write to you, once they have bummed some more charges from you.
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BluKoo
Member
Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline
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Go down to the bank, and kick up a fuss about how unnacceptable it and you demand they reverse the charges.
I did that with 2 charges (£80) and got them both reversed.
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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quote:
Originally posted by BluKoo
Go down to the bank, and kick up a fuss about how unnacceptable it and you demand they reverse the charges.
I did that with 2 charges (£80) and got them both reversed.
Banks are a walk over.. I think they should start breaking legs.
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C2RL R
Member
Registered: 28th Mar 02
Location: Redcliffe, QLD
User status: Offline
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quote:
Originally posted by will_doyle
I didn't even no I had an overdraft. Shouldnt they of emailed me / phoned me / written to me to say that my balance was below £0?
not really no. it's up to you to check that. some banks give you an emergency overdraft to cover direct debits etc.
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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quote:
Originally posted by will_doyle
I didn't even no I had an overdraft. Shouldnt they of emailed me / phoned me / written to me to say that my balance was below £0?
Lol I missed that!
Surely you are Trolling? 
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BluKoo
Member
Registered: 8th Apr 02
Location: Stonehaven (Scotland)
User status: Offline
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He obviosuly doens't realise how banks make a lot of their money.
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ed
Member
Registered: 10th Sep 03
User status: Offline
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Most people don't know banks do this until the get dry bummed by them. It's an easy mistake to make, and a slight piss take that they charge you so much for going something as petty as 50p over. Just need to be careful!
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DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
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quote:
Originally posted by ed
Most people don't know banks do this until the get dry bummed by them. It's an easy mistake to make, and a slight piss take that they charge you so much for going something as petty as 50p over. Just need to be careful!
BANK not CHARITY..
I say broken legs for 1p!
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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Normally the bank will phone you first before writing, to ask why you have a negative balance on your account (assuming you don't have a proper overdraft).
I would advise you contact your bank as a matter of urgency and explain your predicament to them, if you have had a good relationship with them in the past they may credit the charges on the understanding that you credit your account with a minimum of £10.00 immediately - that, or arrange a temporary overdraft.
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nathy_87
Member
Registered: 14th Aug 08
Location: West Mids. Drives: koda Fabia VRS 5J
User status: Offline
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Dont think they can freeze it as you owe them money. think its like £30 ever other week or soemthing daft like that.
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a_j_mair
Member
Registered: 23rd Jan 04
Location: Scotland
User status: Offline
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you obviously dont have an overdraft if they are charging you £40/wk for being over drawn
you need to get yourself an overdraft set up for say £100
so if you ever go overdrawn a little you wont get charged
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nathy_87
Member
Registered: 14th Aug 08
Location: West Mids. Drives: koda Fabia VRS 5J
User status: Offline
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quote:
Originally posted by a_j_mair
you obviously dont have an overdraft if they are charging you £40/wk for being over drawn
you need to get yourself an overdraft set up for say £100
so if you ever go overdrawn a little you wont get charged
But dont go over your orverdraft like i've done in the past lol
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Sam
Moderator
Premium Member
Registered: 24th Dec 99
Location: West Midlands
User status: Offline
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Or just manage your money better.
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