Jump to content


Bank of Scotland charges advice please


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 6089 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

This is my 1st post and looking for some advice I got a letter from my bank (BOS) last week stating that because I didn't have enough money in my account to cover a £5.96 Direct Debit that I was being charged £39.00 (I had £3.48 in my account).

 

So I went straight round to the bank and spoke to an adviser who looked back on my account and told me that it was something called a staggered DD and that as it was my 1st time getting a charge she would get it waived, I was happy with that but asked if I could get that in writing which she said I couldn't.

 

So this morning I checked my account and to my anger they haven't waived it at all and now I have no money in my account as it's my disability benefit and my wifes carers allowance that goes into that account and we don't get those until a Monday and Tuesday so now i'm another £38.08 in the red and will no doubt get another charge put on.

 

Needless to say i've cancelled the direct debit but now i'm upset at them saying they would cancel the charge and now they've incurred me another charge by going against their word.

 

Can anyone please advise me on what I should do.

 

Thanks

Link to post
Share on other sites

Hiya Jim,

 

Firstly, welcome to CAG. :)

 

Ok, why dont you phone them and explain you were informed at your local branch, the charge was to be waived. And tell them what you have just told us. They might sort it out for you, and it is worth a try.

 

If not then we can help you.

They are not allowed to take the money from your account if it is benefits which are in there.

 

For future reference here is a letter you send them as soon as you know there is a charge due out.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

 

Fill it in with your own details.

 

Let us know how you get on. ;)

  • Haha 1

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

Hi Sea-Sidelady,

 

Thanks for your reply and advice on this matter, well I went to my local branch of the BOS this morning as it's just around the corner from my house and spoke to someone else and she appologised as she didn't understand why the other person hadn't put it through to waive my charge.

 

The good news is that she waived the charge immediately and the money was back in my account within minutes.

 

I also asked her if due to me not having anough in the account when the charge got put on will I incurr any charges on it and she told me that if I do to go back and see her immediately.

 

Once again thank you.

 

Jim

Link to post
Share on other sites

That is fantastic news. Im really pleased for you.

 

And so they should!!!:rolleyes:

 

Any more problems you know where we are. :D

  • Haha 1

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...