Ok heres the scenairo: you have an authorised overdraft of 100 pounds, you have spent 50 pounds of this and have 50 left while out and about you see something you like and write a cheques for 50.01 you thought in your last statement you saw some odd pence so this should clear fine. turns out your wrong there is only 50.00 left you are going to be overdrawn. now the person that you wrote the cheque for goes to his bank and gives to teller. he belongs to say NatWest she looks at the cheque and sees its for abbey (my bank). she puts it in an envelope and puts stamp on it. cost 0.32 stamp 0.02 envelope. abbey receive the letter opens and finds cheque starts imputting account number the computer shows that account will go overdrawn. now theres two options option a. they pay the cheque now this will show on your statement: your cheque xxx for 50.01 was paid when there is not enough money in your account charge 30.00 now because you are overdrawn now you will also get this: you went over your overdraft limit 20.00 not bad the bank has made 49.99 option b. they dont pay the cheque so this will show on your statement: your cheque xxx for 50.01 was returned because there was not enough money in your account charge 35.00 and you will get this: you went over your overdraft limit charge 20.00 the bank has made 55.00 for doing NOTHING. so lets look at what the bank says they say the charges are for ringing people no one rang me to let me know there was not enough money in account cost 0.00 they say its for chasing debts no one came and saw me cost 0.00 they say its for collecting debts again no one came and saw me cost 0.00 so the actuall cost to bank is NOTHING so my normal statement comes through the post and now were starting to cost the bank which is the cost of stamp 0.32 cost of envelope 0.02 so lets add up the total cost to banks 2 x stamps 2 x envelope = 0.68 and this is the reason why people will win back there money. this is the reason why they are too scared to admit in an open court what they do with the money. so fella you tell me WHAT WOULD BE A FAIR CHARGE

I know will keep shorter in the future. steve:lol:

First thanks Sophie-Jane for your help.

thank you sophie-jane have saved a copy ready to go and will start my own thread. thank you steve:)

Hi Sophie-Jane I have sent my S.A.R - (Subject Access Request) MOD NOTE: PLEASE CAN YOU START YOUR OWN THREAD ABOUT THIS.

so I sent off 2 x S.A.R - (Subject Access Request)'s today

hopefully this is in the right place.

hi, have been reading these forums

thanks for quick response.

1. Please tell me I havent gone and made myself look stupid and I can claim back charges. 2. Do i need to open a parachute account just in case? 3. Can the bank just take back overdraft? I have my letters all ready if im good to go. Oh and the link to donate to this site is bookmarked thanks in advance steve

could any one let me know if it is only credit cards and not bank accounts. thanks in advance steve