Excessive Charges Advice ?
Could you perhaps give me a little advice?
I’ve been with a number of banks over the past 5 years or so (IF.com, RBoS, A&L). I’ve left them after excessive bank charges almost crippled my finances. After leaving If.com, I requested a copy of my account using the DP act – the total amount applied over 2 years was almost £2000. They also disclosed to me that they had in fact lied on the phone with me, telling me that no charges were pending, but “I didn’t reveal the pending charges in order to keep the customer calm and happy” said an agent’s log entry.
Anyway, my new provider is Alliance and Leicester – I thought I’d give them a go. Having just returned from a 3 week holiday, I found 7 letters telling me about charges being applied.
6 x £34 for missed DD’s
2 x £50 for going overdrawn for more than 5 days.
What’s worse, is that I didn’t even use my card abroad !!
After discovering this, I phoned them to find out what was going on – basically, DD’s that had bounced on their due date, were then later attempted – doubling the fees.
I spoke with Customer Service who basically said she was sorry, and she’d refund 1 of the £34 charges – she then passed me to credit control to try and get my account back in to shape. They were quite rude to be honest, I was given three options.
- <LI class=MsoNormal style="mso-list: l0 level1 lfo1">To close the account, and make overdraft
- Wait until payday (28th June) by which time my salary will be less £300 of charges, plus the £50 due on the 20th June
And that was that – no offer of advice, just make a choice and be done with it.
Obviously this is something that not only I am experiencing.
Can you offer any advice at all?
Many thanks!
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