Mobby
Member
Registered: 31st Dec 07
Location: Leicestershire
User status: Offline
|
banks charged me over £150 in the last 3 months for going overdrawn.
Iv asked for a overdraft numerous times, but they wont give me one, yet im good enough for a 2.5k credit card 
Where do i stand for getting my money back? 
|
P1CK4D
Member
Registered: 19th Jun 06
Location: Around Essex Somewhere
User status: Offline
|
Can't you budget so you don't go into your overdraft? 
|
adiohead
Member
Registered: 28th Sep 01
User status: Offline
|
[Edited on 19-04-2010 by adiohead]
|
pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
|
No, you have no overdraft so you can't spend more than you have in your account. If you have a CC that has 2.5k on it, why not use that? Or not spend what you dont have/
|
Mobby
Member
Registered: 31st Dec 07
Location: Leicestershire
User status: Offline
|
its only because i haven't been down to the bank in time to put the money in. im not skint its just i never have time to put the money in. im sure i remember people claiming the costs back as the banks charge more anyway?
|
Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
|
its not the banks fault you go overdrawn so why should you be able to claim back the charges they have presented you with?
its up to you, and you alone to stay in credit.
|
P1CK4D
Member
Registered: 19th Jun 06
Location: Around Essex Somewhere
User status: Offline
|
An overdraft is technically the banks money the same as a loan. Why would they let you borrow money for free? Either make the time to put the money into your account or budget accordingly for when you can do.
|
pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
|
But mate, it's your own fault your in this mess?!?!?!
If you have the money why not spend the cash!
|
Mobby
Member
Registered: 31st Dec 07
Location: Leicestershire
User status: Offline
|
they charge triple the amount it costs them.i remeber people taking the banks to court and claiming charges back, or didnt that happen?
|
Pete_vxl
Member
Registered: 24th Nov 06
Location: Lochgelly, Fife
User status: Offline
|
which bank is it? You wont get any money back now as its not illegal as it has been passed by the FSA, hence the court case. Your bank will tell you to hop it. You wont get an overdraft because of recent charges aswell.
|
Nic Barnes
Member
Registered: 5th Apr 04
Location: nowhere near ginger people
User status: Offline
|
quote:
Originally posted by Mobby
they charge triple the amount it costs them.i remeber people taking the banks to court and claiming charges back, or didnt that happen?
you pay interest on a loan. spending money in your account that isnt yours is no different. you are being charged as you cannot manage your money. its entirely up to you.
|
Mobby
Member
Registered: 31st Dec 07
Location: Leicestershire
User status: Offline
|
lloyds, yeah they said i have to wait 6 months or something without a charge before i get overdraft. i seemyself as a valued customer, with premium account and credit card which i have started using to build up my credit rating.
|
Mobby
Member
Registered: 31st Dec 07
Location: Leicestershire
User status: Offline
|
better not go over again then, bloody banks 
[Edited on 19-04-2010 by Mobby]
|
SXI - Matt
Member
Registered: 8th Jul 07
Location: Leicestershire Drives: Corsa C SRI
User status: Offline
|
Lloyds are pretty good to be fair years ago now when i had a junior account i went over by about £3 but being young never checking my account got a letter for £90 charge =O bit shocked i went down to ask about it as was unsure why, luckily for me my mates gf was on the desk two clicks later it was gone =] so go have a word be polite about it ect sure they will do some think for you mate
|
Generation
Member
Registered: 7th Jul 09
Location: Essex
User status: Offline
|
Nowhere, they can charge whatever they like, as you're spending their money
|
AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
|
quote:
Originally posted by Mobby
better not go over again then, bloody people who can't manage their own money then blame someone else
[Edited on 19-04-2010 by Mobby]
|
leon.
Member
Registered: 24th Jun 08
User status: Offline
|
you'll probs be able to claim some of it back if you havent done it before
|
ed
Member
Registered: 10th Sep 03
User status: Offline
|
If it's once in a blue moon that it happens then you can phone them up sounding a bit coy and they'll refund you the charges if you're lucky. Three times in three months though you're not going to get any sympathy. It's all in the terms of the account so just be careful in future!
|
GF-91
Banned
Registered: 8th Jul 09
Location: Burnley!
User status: Offline
|
They are charging you for the priviledge of having money that isn't yours. Make time to sort out?
|
Eddx14xe
Member
Registered: 12th Jan 10
Location: Hertfordshire
User status: Offline
|
You can get some of ti back because my mums friend done it, when you go over it cost the bank £5, and you usually get charged around £30-35.
Im not sure how you go about getting it back though
|
DaveyLC
Member
Registered: 8th Oct 08
Location: Berkshire
User status: Offline
|
quote:
Originally posted by Mobby
banks charged me over £150 in the last 3 months for going overdrawn.
Well you need to stop going overdrawn
Live within your means mr Mobby!
|
SR91
Member
Registered: 21st Jun 08
Location: Lancashire.
User status: Offline
|
quote:
Originally posted by Mobby
banks charged me over £150 in the last 3 months for going overdrawn.
Iv asked for a overdraft numerous times, but they wont give me one, yet im good enough for a 2.5k credit card
Where do i stand for getting my money back?
It happens eBay were charging me money from the wrong account because i hadnt swopped them on paypal, i now owe Santander £210, lifes shit get over it and pay up
|
16vKarlos
Member
Registered: 27th Oct 07
User status: Offline
|
All i can say is.. Join A&L, this morning i had a Direct Debit go out and money hadn't gone in.. they covered the direct debit and i went in with cash and paid it off.. luckily.
i have also been in this situation with charges.. recently charges have gone through the roof because they now know that you cannot claim them back, and unless you can 'PROVE' that you are hard up by what they are charging you. you dont have a leg to stand on.
the charges i was getting with halifax were extremely high, but i payed up and closed the account.
also try changing the date that they take money from your account/ the date you have to pay them by.
e.g. you get paid on the 25th of every month,
have the payment date set to 5th of every month...
two option from here...
take cash out and pay into that account directly (this will instantly credit your DEBT account)
or
you can tranfer online on the 26th of every month so that the money will get there ontime.?
^^^^^^^
this worked for me and will certainly help you out
|
noshua
Member
Registered: 19th Nov 08
User status: Offline
|
They'll give you £2,500 credit card but not an overdraft?
I got an £100 overdraft (not a lot, but what I requested) with a current account, £1,000 interest free overdraft student account and £350 credit limit on a student credit card with NatWest when I was 18.
I'd be looking at another bank if the overdraft is that important to you - which by the sounds of it, it is.
edit; The overdraft was with part-time wages as well.
[Edited on 20-04-2010 by noshua]
|
Pete_vxl
Member
Registered: 24th Nov 06
Location: Lochgelly, Fife
User status: Offline
|
Student is completely different, credit search isnt the same. Also applying for a credit card has different checks than an overdraft.
|
