Well this is one of my favour sites now!! As I hope it will help me get back some money that I feel have been wrongly taken from me.

1. What is the difference between a Referral Charge and a Maintenance Charge?

2. Can the bank applie a charge if the overdraft limit was exceeded soley to another bank charge?

All advice gratefully welcome.

ps Will start a new thread re Internet banking which I feel is making even more money for the banks!!! :confused:

1. Doesn't matter - they are both unlawful.

2. Doesn't matter - if it is a charge for unauthrised o/d it is unlawful.

Sorry it's me again the Newbie!!

I have some many agruement with the RBS with their internet banking as something seems to have changed recently!

Switch payments are deducted from the Account Summary, but are not yet on the Statement, (this is fine as it is done electronically) yet cheques that are showing on the Statement have not be deducted from the summary!!!

So basically if you have a cheque showing the statement - how do know if the summary is correct - apart from getting your calculator out!! Their agrument is 'the cheques may not have cleared through the account' - but this is with cheques coming out of the account?

I thought internet banking was to make life easier - it just seems to be a [problem] to make people become overdrawn but mis-informing them!! There does not seem to be an audit trail either to prove when you were in only the last time you were in???

Hiding something are they??

Sorry for the rant but I miffed to say the least and I have not calulated what they are due me!!

MODERATED post moved .. please keep to the one thread this is for everyone's benefit

Yes, I agree.

Banks need some proper regulation - they have proved it time and time again - they are not to be trusted - they have unlimited funds and if they wanted to make their Internet banking as user friendly as possible they would employ GUI specialists.

For a contrast, Microsoft employed people and spent $30,000,000 on deciding which way the shadow should lay on their buttons when they developed Windows 2.0.

Now THAT is attention to detail!!!

1.

- Referal charge is where the bank decide to pay an item (cheque/SO/DD) that takes you over agreed borrowing limit (£30 per item, maximum monthly charge is £90. This is advised on your statement and debited to your account the 6th working day of the next month)

- Maintenance Charge occurs if you are ever over your agreed borrowing limit during the month a particular statement is produced (£28 for each monthly statement period your account has one (or more) instances of being overlimit, this is advised on statement and debited about two weeks after statement is sent out)

...and yes that means that if you get a referal charge you will definitely also get a maintenace charge. Well unfair!

2.

Yes they do charge you but as allanfromderby says they are both illegal so you will get your money back if you persist

1. Doesn't matter - they are both unlawful.

2. Doesn't matter - if it is a charge for unauthrised o/d it is unlawful.

Alan I know this is outdated but I found this interesting as I have been told it’s part of the banks t&cs to charge these amounts. Relates from the same time line. Does that mean the bank is telling me porkies about what I can claim? And why?

12yrs old!!

go start a new thread

of your OWN please

thread closed to stop newbie bumping

dx