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  1. 09-26-2009 01:11 PM #1
    iChoon
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    Default Bank Charges



    Natwest have charged me for going overdrawn in a basic account when it was their fault i went overdrawn in the first place...i just seem to be putting in money to pay for my charges lately.

    Time to find a new account me thinks and tell Natwest to get stuffed!


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  2. 09-26-2009 02:55 PM #2
    Frugaller
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    If they charged you a ridiculous disproportionate amount of charges, you should be able to claim them back.
    ENTER FRUGALLER FORUM COMPETITION NOW, BEFORE ALL NUMBERS ARE GONE!!!
  3. 09-26-2009 10:19 PM #3
    iChoon
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    first charge was for £76 and the 2nd was £38 - i only get £25 a week put in the account!!

    Im looking into how to claim my charges back.
    www.ichoon.co.uk sells unbranded and branded consumer electronics at low low prices. Check us out today!!

    Christmas is coming, your purse is really fat, don't waste your money on useless crap.

    Get more for your money, saving ££££'s everyday, pop along to ichoon and spread the cost today!

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  4. 09-28-2009 02:03 PM #4
    Frugaller
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    Blimey, I'd make that a priority.
    ENTER FRUGALLER FORUM COMPETITION NOW, BEFORE ALL NUMBERS ARE GONE!!!
  5. 09-29-2009 10:10 AM #5
    iChoon
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    Im unsure how to go about getting my charges back though.
    www.ichoon.co.uk sells unbranded and branded consumer electronics at low low prices. Check us out today!!

    Christmas is coming, your purse is really fat, don't waste your money on useless crap.

    Get more for your money, saving ££££'s everyday, pop along to ichoon and spread the cost today!

    If you are a member on Frugaller, let us know and we'll send you a 10% off code.

  6. 09-29-2009 10:49 AM #6
    Drooler
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    I hate to direct people to him but check out martin lewis's Mse site. He's a turd but there's info on this exact subject with template letters.
  7. 11-26-2009 11:35 PM #7
    Drooler
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    The bank charges ruling explained - Spend & Save , Money - The Independent

    I for one am in a minority here in saying that if you accept these charges when you open your account/overdraft service, then moan about paying them and whinge when you cannot get the charges back, then tough poo! If your silly enough to let yourself get into such a situation, then you pay the AGREED charges.

    Im all for the banks here on this one, sorry folkes.
  8. 11-27-2009 02:18 PM #8
    Frugaller
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    I can def see your point of view and would normally agree, but it bugs me how merciless the banks are. I think everybody has had the situation where they've made an error, or something has come out earlier than others.

    The more skint you are, the less of a margin of error there is. So imagine the situation where a mum of 4 with a part time job earning £100 PW goes a quid overdrawn for whatever reason. The bank slaps on a £35 charge straight away. I think that's excessive - especially as it's essential to have a bank nowadays to avoid getting stung for not having DDebits for utilities etc.

    I think a better solution would be for the bank to simply not allow the overdraft, rather than allow it and use the "fines" mostly paid by the unfortunate, to fund free banking for the rich.

    Just IMO.
    ENTER FRUGALLER FORUM COMPETITION NOW, BEFORE ALL NUMBERS ARE GONE!!!
  9. 09-07-2010 10:29 PM #9
    fordkamaz
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    Hi ya Ive also had this problem with halifax and when I was £1.99 overdrawn, they were charging me up to £35.00 for each day until i paid it back!

    I think the best thing to do is to pay all them oney back and close your account down. Tell them this is the reason why and you feel as though they are being unfair and unreasonable.

    Secondly, you need to keep an eye out on what you spend and keep checking your bank balance regulary as this prevents any overspending and any excess overdrawn fees.

    xxx
  10. 02-22-2011 11:26 AM #10
    stuart23
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    speak to your bank and say you cant pay you havent got the money and just open another account in the mean time and send your money there and say i cant pay so what can i do they wont take you to court over 100 odd pounds cost more for them just to file the paper work to do it

 
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