AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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quote:
Originally posted by Rob B
24 pence overdrawn, and charged 63 quid, ud be happy, as it happens, i was taking to my mate at the petrol pump and i went over by a few pence.
Its all in your terms and conditions, it shouldn't be a surprise.
Unless you didn't read it of course.
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drax
Member
Registered: 5th Feb 05
Location: Sittingbourne, Kent
User status: Offline
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How the hell do you live, having to risk going overdrawn by filling up petrol?
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Seany
Member
Registered: 13th Dec 06
Location: Dunfermline, Fife : Drives Astra cdti Sri
User status: Offline
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my bank (abbey) charged me £35 for going over by £1.24 i wasnt best pleased with them so i phoned them up and told them i wasnt recieving letters saying i was going to get charges. they couldnt have been nicer about it they refunded all my charges for the year so far and even gave me £30 for my trouble .bonus. 
just moan like fuck down the phone and youll get your money back
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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I had a £5k overdraft while I was a student, reduced it month on month and reduced the limit voluntarily, went over it, got charged and they said I went over, look happy.
I went to the branch at lunch time while it was very busy and there was a member of staff on directing people, she asked me what she could do for me and I shouted across the room 'I WOULD LIKE TO COMPLAIN' and started telling her the story.
I was in a private room being told it was all OK very soon after.
This is after the guy on the phone had computer says no'd me. Very much depends who you speak to and whether they want to help.
OD limit is back up to £5k btw and I'm not close enough to worry 
[Edited on 28-03-2008 by Ian]
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Bart
Member
Registered: 19th Aug 02
Location: Midsomer Norton, Bristol Avon
User status: Offline
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As Ian said, I was in a very similar situation, spoke to a couple of numptys on the phone before eleviating my complaint and geting £700 of charges refunded to me.
Obviously your happy they've stopped all your charges, but thats not really a result for you is it?
If they're not goign to charge you in the future, then they shouldnt have charged you in the past.
Make an official complaint (phone or at bank) and take it as far as possible, demand the money back it, espically as they agreed not to slap you with the unfair charges in the future.
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Rob B
Member
Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline
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quote:
Originally posted by drax
How the hell do you live, having to risk going overdrawn by filling up petrol?
direct debit went out that shouldnt have done, so i was a fair bit out of pocket than i should of been, didnt know it had gone out which was my fault, which is why it went over
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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how old are you?
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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i don't have/need an overdraft.
as long as you are careful with your money and know when payments are coming out/when you get paid then you should be fine 
£63 for 24 pence takes the piss though 
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Rob B
Member
Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline
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quote:
Originally posted by Steve
how old are you?
20 Steve 
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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most people are in there overdraft at that age
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Rob B
Member
Registered: 8th Jan 04
Location: Area Motorsport Drives: Race EP3
User status: Offline
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 i got it, then kinda used it, then i just go into it everymonth
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Roffo
Member
Registered: 17th Feb 07
Location: Weymouth
User status: Offline
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quote:
Originally posted by John
I wouldn't be happy but it would have been my fault so i'd have nobody to blame but myself.
I'd not let my balance get that bad that i'd go overdrawn if i put 24p too much petrol in though.
because some people struggle with money mate.
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Roffo
Member
Registered: 17th Feb 07
Location: Weymouth
User status: Offline
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quote:
Originally posted by Rob B
i got it, then kinda used it, then i just go into it everymonth
exactly the same here. im with halifax too. hopefully the case will be sorted soon so it wont happen again.
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drax
Member
Registered: 5th Feb 05
Location: Sittingbourne, Kent
User status: Offline
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I dont have an overdraft either but surely you'd know to be extra careful if you are aware that you do not have the money to be throwing around and accidents (banks) normally happen when you are low on money.
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sand-eel
Member
Registered: 15th Mar 07
Location: carluke/braidwood--IRNBRULAND
User status: Offline
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this happened to my brother, he just walked into the bank and asked for his money back and they did
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Roffo
Member
Registered: 17th Feb 07
Location: Weymouth
User status: Offline
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But sometimes you NEED to spend on certain things bills etc.. which puts the whole money planning thing out the window.
i have however learnt now. and doesnt happen anymore. but this is more likely to do with alot more money going in!
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