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About Me


Found 12 results

  1. Hello, I have a problem with Natwest. I am addicted to gambling, about 2 months ago I gambled a lot in online casino, I made many deposits and withdrawals from 500gbp to even 6500gbp in a short period of time. One time I noticed 6200gbp available on my Natwest account, I was sure that it is one of my withdrawals from casino. I deposited that back to casino and lost it. A few days after, I noticed overdraft of 6200gbp on Natwest and after next few days they closed my online banking. I can't even login to see how much is there now. What should I do? Th
  2. Hello, I went 29p into my unplanned overdraft in the early hours of Wednesday morning. I got money in this morning and the 29p was taken out. I am wondering if Halifax will charge me for 3/4 days worth of unplanned overdraft fees?
  3. can a bank charge unplanned overdraft fees, if account went overdrawn or exceeded overdraft limit because monthly charges were applied?.
  4. Letter from BOS today...... We've noticed that we did not write to tell you when your account went into an Unplanned Overdraft between 02 June 2012 and 14 June 2112. We apologise for this, and we've taken steps to make sure it does not happen again. Unplanned Overdraft Fees to be returned... £65.00 Gross interest at 8% p.a.... £13.00 Tax Deducted from interest at 20% basic rate...£2.60 Net Interest paid... £10.40 Total Refund... £75.40 Nic
  5. Hi sorry is its the wrong place to paste this thread in but I donno whereelse to ask. today i got this mail saying I have overdrawn £41.30 because lloyds had to take out £45 as CHG UNPLANNED O/D FEES. but what is this CHG UNPLANNED O/D FEES? i previously had overdrawn £35 because I had to buy something off ebay. I paid the bank back within couple of days and now this???? can somebody explain this CHG UNPLANNED O/D FEES to me please? is it going to be an annual thing where they take my money out every month or so?? (if so then i have no reason to live.....).
  6. After the big discussion on statute barred I think a single thread for overdrafts is needed due to it's complexity and also the need to get real life dealings with the DCA's because no one seems to know if they accept SB on overdrafts 6 years after no payment. It would help a lot of us on here if people who have tried for statute barred on overdrafts with DCA's can tell us about the outcome and wether it was a simple overdraft recall or the account went into unplanned overdraft.
  7. Hi guys, I am not to sure where I stand with this at all. I had an account that was always in credit until I had lost my job and met a psycho ex girlfriend, and then things spiraled down from there.. My bank account went into an "Unplanned Overdraft" only a small amount - and I just buried my head in the sand about and completely ignored it.. After awhile I completely forgot about the account as I had no correspondence from them at all.. Now I have a new job and away from my ex I wanted to get it sorted but to find that my account was £-800!! When my first wages got put in there it
  8. I come home the other day and find a letter from Lloyds telling me I have gone into red. First reaction is wtf! Letter shows an OD of about 3 times the OD limit they had set to my a/c automatically without me ever asking for it. Having a better look I realised that a credit card I am using had mistakenly carried out a direct debit payment on my account twice. The fee is small because I caught the issue early. But to focus on the actual issue, I never authorised Lloyds to give me any overdraft, let alone an "Unplanned Overdraft". I have 0 debt, 0 loans and never used any overdraft wi
  9. Hello, I would be very grateful for some help or advice with a Halifax current account. I am self-employed. At the moment, due to general health issues and personal problems, I have been keeping my business fairly low-key so there isn't much money going in and out, and some months I go very close to my overdraft limit. I admit that some months I have gone over the limit and into what Halifax calls an 'unplanned overdraft'. I have copped the charges for this, added on or around the 1st. day of the following month. I have no objection to paying bank charges where the fault is w
  10. Hello, On December 31st, I went overdrawn on my account. The money was taken by BT. I was not made aware of an upcoming payment because I hadn't received a letter from BT. The paper billing had been changed to online billing. I didn't change it myself. On January 16th, I noticed my account was overdrawn so I paid some money in to get my account back into credit. There were no charges taken in January. In February, I was charged £30 and in March I was charged £80. Also, the unplanned overdraft interest charge and the £6 overdraft usage fee was applied. I was charged a total of £122.77
  11. Is this allowed? I accidently, in November 3 - 23, went into my unplanned overdraft with Halifax for 20 days. i did not receive any notification from Halifax that this had happened. December passes, no charges - Obviously by this point I still do not know I went into my "Unplanned Overdraft" in November January arrives, I have literally £1 in my account after Christmas... £105 bank charges hit my account on 5th of January forcing me into an unplanned overdraft... I do not get paid until 25th which again, is 20 days away from when they put me into an unplanned ove
  12. Hi all, This is for a family member, Their partner failed to let them know they had a "Ultimate Reward Account" with the Halifax. Any way they pay £15 per mth for the account, they have a £200 overdraft facility. The bit here now is they have been regularly going over the planned overdraft, so they have been incurring Unplanned overdraft fees, some months is £35 some it £60 £70 etc. To say the least the account has not been used correctly, I have had a little read of the fees but don't actually understand it all, I did read that they should send out a letter to let them kn
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