My story is not uncommon but.....
My story is not uncommon but it seems I have been penalised for attempting to avoid bank charges and I would like answers and advice from the good people on here.
Four direct debits left my account last Monday 7.00am, I went into the bank at 9.05 and paid the exact amount I needed to cover the direct debits and put me back in credit.
Result, I thought as I breezed out of the bank feeling pleased with myself that I had avoided £150 quid’s worth of bank charges, so imagine my surprise when a few days later I discover much more money in my account thaN I remember having. On investigation I discover that all the direct debits have been reversed because of insufficient cash in my account and……yep four £35’s and another one for good measure they call going over your overdraftcharge.
What do they mean insufficient cash when I left the bank at 9.10 I was in credit?
It transpires if you pay money into your account to cover payments you also need to call the bank and inform them you have made the payment.
So let’s look at the events of that day:
I enter the bank and ask the cashier how much I am overdrawn.
She tells me the exact amount?
I say that I want to pay this amount into my account to avoid bank charges.
I hand over the exact amount and I do mean the exact amount.
She asks if I would not rather round the amount up to the nearest ten.
I insist that I want to pay the exact amount.
Looking very disgruntled she searches for her small change tray and after counting out my change, informs me I am now in credit.
I make a joke about bank charges and say that my action has saved me several pounds.
She agrees.
I leave the bank.
Now my point is would it have not been a [EDIT] good idea at this stage to mention that I also need to make [EDIT] phone call
Maybe Nicola this would have not just been good customer service but what is expected from a bank cashier. Instead , you allowed me to walk out under the illusion that everything was okay and no further action was required on my part.
Well thank you very much Nicky I’m sure you had a good laugh at the poor barstool leaving the bank who thought he’d saved himself a packet when the reality is he is now £150 worse off.
At no point was I advised what to do and my obvious intention has been a complete waste of time.
Surely this is wrong do I have a base for a refund and complaint?
Why would bank staff not share valuable information like this with customers?
Are they encouraged to screw customers over?
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