bank ott charges

[tali122]

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?

[dzug]

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.

[Ethel]

Phone them up and discuss it. You may get the charges reduced.

[goldfish1]

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.

[stevie21]

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