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bank ott charges

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tali122 | 21:49 Tue 29th Aug 2006 | Business & Finance
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i (inadvertedly) used a credit card instead of my debit card to withdraw �300 from a cash machine abbey bank have stung me to the tune of a whopping �18charges and intrest - drunk drivers who've killed someone get fined less!! - even though i pay in full every month for this, which is disgraceful, now ive heard of customers suing abbey for extortionate charges , do you think ive got good claim to write to them to refund the money as it is way OTT and this is the first time ive done it and i always pay in full and am very creditworthy -surely i could appeal to their discretion?
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If you get cash on a credit card you will always be charged a cash advance fee of maybe 2% and interest from the day you take it out until it is fully repaid.

You stand no chance of avoiding those charges.

�18 looks high for that though - does it also include a charge for going over your credit limit? If so you stand a good chance of getting that back if you ask them nicely.
Phone them up and discuss it. You may get the charges reduced.

There would be no harm in contacting them by letter to explain your position and to explain it was a genuine mistake and perhaps suggest they refund the charges. They may do so as a gesture of goodwill.
To bring drunk drivers into this is an absolute disgrace, in my opinion.
Write to or phone Abbey but remember that people have "sued" them for *charges* not interest. If their "cash advance fee" is so high that it exceeds their costs then sue away.
If on the other hand it's �18 interest then you're relying on their goodwill.

You could always say that you'll switch your balance to another provider who is offering something Abbey aren't. Interest free for 9 months, cashback, nectar points, airmiles...

Good luck but get a grip with the analogies

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