BOS charges !!

**jemfingers** · 5th June 2006 17:42

hi, I am new so excuse any mistakes.
I have just received a letter from B.O.S. charging me for going over my overdraft icon

limit. However my O/D limit is £1350.00 on the day in question my balance was £1190 O/D with £730 of cheque and PDQ payment into my account pending. I had three cheques bounced on me for £11.16 - £110.00 and £56.98.
The Banks expanation for this was that " by the end of the day your balance would be OVER your limit". They have subsequently hit me with three £30.00 charges and a £35.00 charge for the account being over my O/D limit had the cheques been cleared !!!! So i need to know WHY did they NOT pay the amounts that COULD have been paid and how can they charge me £105.00 !!??
They COULD have paid the £11.16 and the £56.98 or they could have paid the £110.00 and the £11.16.
What can I do as this MUST be wrong.
I hope I have not made my self look stupid but I could really do with some help
cheers
jemfingers.

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**barracad** · 5th June 2006 17:48

I'm assuming that the balance you refer to were cleared funds? And are the figures exact? If they'd paid the £110 cheque that would have taken you to £50 away from your limit so if you aren't accurate that may be your answer.

Banks take the most expensive cheques/direct debits out first as that way they can bounce more items and make more money from the penalty fees they charge.

Anyway the best thing you can do now is to claim the charges back - have a good read through the FAQs and other posts in the forums.

Good luck!

**jaysmith** · 6th June 2006 02:38

Have to disagree with you there barracad!

The way the debiting system wors with BOS is that: Standing Order within HBOS icon

lowest amount to highest amount --> Standing Order outwith HBOS lowest amount to highest amount --> Direct Debits lowest amount to highest amount

and the same for cheques lowest amount to highest amount i cant remember whether cheques are first or last though. But they are deffinetly honoured lowest to highest so that the most possible are paid.

With regards to Jemfingers if you were £1190 DR and the cheque for £730 hadnt cleared your cleared balance would have been £1920 DR therefore actually over your overdraft icon

and thats why these charges were incurred. The other thing is how did you incurr a £35 charge? the only possible charges with HBOS are £28, £30 or £39?

**fruitycar** · 6th June 2006 08:17

Originally Posted by jaysmith

The other thing is how did you incurr a £35 charge? the only possible charges with HBOS icon

are £28, £30 or £39?

I have had £35 charges on my HBoS account, on the print out that the bank kindly provided they show up "unpaid item"

**barracad** · 6th June 2006 09:17

Originally Posted by jaysmith

The way the debiting system wors with BOS is that: Standing Order within HBOS icon

lowest amount to highest amount --> Standing Order outwith HBOS lowest amount to highest amount --> Direct Debits lowest amount to highest amount

Really?!! I thought all banks did it the same... perhaps I should open a parachute account icon

with HBOS!!

**jemfingers** · 6th June 2006 15:11

thanks for your help and advice.
Just to clarify, the chargers were definately £35.00 and my balance was clear.
I have sent a DPA so fingers crossed.
thanks again

**jemfingers** · 6th July 2006 17:17

Hi
thanks for all your previous help. I sent my DPA to Halifax icon

and they have replied within the 40 days, So I have sent my second letter to them claiming back my charges. However I have had no response from the BOS and their time is up on Monday. What do I do next?
many thanks and sorry for sounding so dumb.

**Michael Browne** · 6th July 2006 17:36

Don't worry about the lack of response. Send the lba icon

on Monday. You'll probably get a reply to your prelim later next week with the usual fob off.

**barracad** · 6th July 2006 17:37

Threads merged - please stick to one thread!

In your letter what did you say you'd do if they didn't respond within 14 days?
Do it!!

**jemfingers** · 8th July 2006 15:11

HI ,
I am really struggling to get any joy from BOS icon

. I sent my £10.00 and request for all statements but have had no reply. Problem is I cant do anything until i receive all my statements. What should i do next? any ideas.
jemfingers

**jemfingers** · 8th July 2006 15:16

hi
sorry what does thread merged mean?
With regard to my situation so far: I have sent my letter requesting statements from the BOS icon

but I have had no reply from them, it has now been 40 days. Without all my stements I can not proceed as I can not request my charges can i ?
So could anyone help me out here, with the luck I have had over the last three years I will probably be the first person here to LOSE!!
Also does anyone have any advice on claiming back " chargebacks" from credit card companies. ??
thanks all.
chris

**barracad** · 8th July 2006 15:19

I have merged your threads together into one thread because you shouldn't keep starting new threads because it can get confusing.

So you haven't had a response to your DPA request yet?

In an earlier post you said.

I have sent my second letter to them claiming back my charges

Which is it? I'm confused.

**jemfingers** · 11th July 2006 11:37

hi there,
Sorry for the confusion. I have sent my second letter claiming back my charges to the Halifax icon

.
My problem is with the BOS, they have not acknowledged my DPA letter and the 40 days is now up. I was wondering what my next course of action should be. Should I now start totalling up all my charges and send the claim for charges mad to my account or am i supposed to wait for the BOS to get back in touch with me?
Sorry I feel completely lost here. Might just forget it,
chris

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