Would this be handy?

[jimfishybob]

These are excerpts from a secure message conversation that I had with smile in 2003, I won't put the whole thing in but there are some pertinent points. This first bit should outline my initial complaint:-

On the 20/02/03 you charged me 52.91, (for being 0.90 over my limit)
This took me to a debit of 549.41
On the same day I deposited a cheques for 200
This took you four days to clear.
So on the 20/03/04 you charged me for those four days taking my account to a debit of 528.
For which I assume I'll also be charged, (according to your tariff), around 70.
So beinng over my limit by 0.90 has cost me about 160.00 even though I presented a cheque, issued by your bank in the first instance.

So far, so normal. However one of the responses is thus:-

Operator IDxxxxxx
Date:29/03/2004
Subject:General

Hello Mr xxxxxx
On the 20th of February, you paid a cheque into your account to bring you back within the limit that day. However, that cheque wouldn't have cleared for another couple of days, so technically, the balance was still over the limit.

Thanks

xxxxxxx


Ah, so now i'm being charged for being within my limit!! There was obviously a lot of toing and froing with this. And my final message from them before they stopped replying began:-

I understand where you are coming from, but i'm afraid I can't refund any charges as they are valid....

Is this the nearest we've got to a bank employee admitting that these charges are unfair?

[dave]

Don't pander to them - just let them know where they stand.