charged for going over my o/d limit

[Kiera]

I went over my o/d limit by �500 and the bank has charged me �180

The bank did not notify me when I went over my limit only went it was over and it reached �500 then my card was refused in the shop.

I rang my bank and asked them why they did not stop my card when it went over my limit and they said
1) customers should keep a check on their account and I said yes but because my card as being accepted in the shops I assumed I was within my limit.

they said they give customers time to get back to their limit thats why they don`t tell them they have gone over.

I said they should have told me.

�180 is a lot of money to lose to the bank. Is it possible to dispute this has I should have been notified earlier about being over my limit and my card should have been stopped?

Thanks will be very grateful for any feedback.

[Mrs_Pegasus]

How was the �180 made up?

Is that one charge or a series of charges?
How long were you overdrawn and by how much?

Unfortunately, the bank is right about you keeping an eye on your account. I have to admit, I do keep a note of how much I have coming out and how much is in there. �500 is quite a lot of money to assume you have.

[bednobs]

blimey! 180 quid, surely thats not just 1 charge?

[dizydosydoll]

this has happened to me, it will be a charge of 30 - 40 quid for every dirct debit that has come out.
If you have never had any charges dropped before i would go into your branch and explain that �180 is a lot of money that you cant afford and they should reduce/reinburst the charge as a good will gest, my bank did, however if you have charges re inburst to you before dont bother.