ChatterBank3 mins ago
Bank Charges...do I have a case?
6 Answers
I have just received a letter from my bank declaring that i have 2 x �30 charges for going overdrawn last month!
the first was me going 3pence over my overdraft limit which was caused by my bank charging �1.00 for an overseas transaction which they then want to charge me �30 for!
The second was a standing order which should have automatically been cancelled!
Surely this seems unfair, does anyone think I have a right to claim these back?
p.s the bank is Lloyds tsb
Thanks
the first was me going 3pence over my overdraft limit which was caused by my bank charging �1.00 for an overseas transaction which they then want to charge me �30 for!
The second was a standing order which should have automatically been cancelled!
Surely this seems unfair, does anyone think I have a right to claim these back?
p.s the bank is Lloyds tsb
Thanks
Answers
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For more on marking an answer as the "Best Answer", please visit our FAQ.Another person blaming the bank for going over their overdraft!
Firstly in septmenber/october Ltsb sent out letters explaininng that they were removing the 'buffer zone' of �10 and also letting you know of the new charging structure, so its not like you can say you didnt know about it.
Secondly, you went over YOUR agreed o/d limit regardless of value you went over, and this was not caused by Ltsb it was caused the bank you used overseas charging you. So why shouldnt they charge you?
In answer to your last point about s/o, these are set up by you, not the bank. Its an agreemnet between you and recipient, and unless you decide to cancell the s/o it will continue to go out.
Why do you feel that these charges are unfair? because you didnt manage your account correclty the bank has a right to charge you for breaking the agreements set out i.e having an agreed o/d and you going over it.
As you can prob tell that i work for the said mention bank and i cant stand customers who feel hard done by because they cant manage thier accounts porperly.
Firstly in septmenber/october Ltsb sent out letters explaininng that they were removing the 'buffer zone' of �10 and also letting you know of the new charging structure, so its not like you can say you didnt know about it.
Secondly, you went over YOUR agreed o/d limit regardless of value you went over, and this was not caused by Ltsb it was caused the bank you used overseas charging you. So why shouldnt they charge you?
In answer to your last point about s/o, these are set up by you, not the bank. Its an agreemnet between you and recipient, and unless you decide to cancell the s/o it will continue to go out.
Why do you feel that these charges are unfair? because you didnt manage your account correclty the bank has a right to charge you for breaking the agreements set out i.e having an agreed o/d and you going over it.
As you can prob tell that i work for the said mention bank and i cant stand customers who feel hard done by because they cant manage thier accounts porperly.
Hey here is an update, as a long serving customer of the 'said mentioned' bank and have all my accounts, along with pensions, credit cards and a business account with them and have been with them for most of my life, so i do feel that they owe me something for my service and loyalty....
.....but also I am a very fair person and I believe in that if you do something wrong you get punished for it, so when i went into the bank to question the charges they waived the fee for the 3p incident but stood their ground on the other one.....so I think that was fair!
And talking of fair you reckon that it costs �30 to send out a letter...I dont think so.....thats my point!
.....but also I am a very fair person and I believe in that if you do something wrong you get punished for it, so when i went into the bank to question the charges they waived the fee for the 3p incident but stood their ground on the other one.....so I think that was fair!
And talking of fair you reckon that it costs �30 to send out a letter...I dont think so.....thats my point!