i recieved a letter today from the BOS Retail Bank Collections saying i am overdrawn unauthorised, which i am not disputing. I checked my account online today and found that had two letters sent to me one dated the 31st March the other dated 1st April, both saying i was being charged £28 pounds for being overdrawn, one at the end of April the other the end of May.

Have decided to phone the bank tomorrow to argue the two charges, just need an idea of what to say.

Yes, their system is geared that way. The £28 is a MONTHLY unauthorised charge, which means that even if you had put enough money to cover the money you'd spent, when the £28 comes on, if you haven't put anough to cover that, it will automatically put you over the limit, and as a new month starts, you automatically incur another monthly unauthorised charge. Very crafty.

Technically, you're not charged twice for the same debt. You're being charged once for your trespass, once for theirs. Like I said, crafty. And it will go on, and on, as every month genrates another set of charges, unless you put in a lot more in the account.

How to handle it? Well, you can ask nicely. If they say no, then you can demand nicely (!) with the letter you'll find in the library.

Just found out this morning (for some reason BOS don't like people who sleep later than half eight) that they cancelled the charges i mentioned above. It's so nice to find this out after one of the charges is due to come off.

This topic was closed on 03/07/19.

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