ChatterBank23 mins ago
bank charges
1 Answers
Hi a few months ago I got a consolidation load of five thousand pounds, one of the things I paid off was my overdraft but the lady on the telephone did not tell me that my overdraft facility would be withdrawn if I did this. By the time I realised I no longer had an overdraft a couple of direct debits of mine did not got through because of this and I was charged 60-00. I went online to apply for my overdraft but was declined, I tried a few more times but was still declined. I couldnt understand why when all I had done was cleared it. I called my bank and got through to India. The person on the phone told me if I keep paying charges I could have paid enough to bring him to England. Well you can imagine how that made me feel. I have written a total of four letters to my bank and have not had one reply. I made an appt to go to my branch and when I turned up they told me they could not help me, but gave me a phone number of the department that could. I called them and waited in the queue for an hour then gave up. I called another number and was automatically in a queue where they call you back. This was three days ago and im still waiting. This is all for a 500-00 overdraft. So far I have been charged five hundred pounds in returned direct debits and overdraft access fee when I havent even got an overdraft. Paying this off was the worst thing I could have done. I then find out that the lady whom I dealt with at my bank when paying this off has put a block on my overdraft for 12 months? why? havent got a clue and no-one knows. can anyone help. janex
Answers
Best Answer
No best answer has yet been selected by jessieandme2. Once a best answer has been selected, it will be shown here.
For more on marking an answer as the "Best Answer", please visit our FAQ.I can't help with the problems regarding your charges etc but usually when someone is given a consolidation loan, it is usual practive to renove any overdraft facilities. At least it was with NatWest when I worked for them. This could explain why your overdraft has been withdrawn and you keep getting refused a new one.
�500 in charges is a bit steep for 2 unpaid direct debits! Was there more to it than that?
�500 in charges is a bit steep for 2 unpaid direct debits! Was there more to it than that?