Help!! Confused!

[helenm1984]

Hi,

2 Days ago I had 3 direct debits leave my account, I had a cheque clearing on the account, but not enough funds to cover the direct debits, as I was away and didnt have access to the internet or phone, I could not check my balance, and even if I could there are no yorkshire banks anywhere near me to pay the money in, anyway when I got home yesterday I checked my account online, all was well, they'd paid the direct debits and my cheque had cleared leaving me in credit, I have again checked my balance this morning to find that my account has been credited with the thre amounts of the direct debits from 2 days ago and I have been charged £105 in charges (the charges do not say they are unpaid d/d, like the other ones do, they just say 'advised charge' 3 x £35) I thought d/d's would be returned the same day, so have these d/d's been paid and where will they get the money from thats been creditord to my account today?, I have phoned the bank and they cannot give me any information as they dont understand whats happened, what should I do can I claim back these charges in the same way you do for unpaid item, and what would happen to the d/d's that say they have been paid?

Any help would be great!

Helen

[maroondevo52]

Hi, Helen.

 

I used to have the same carry on with HBOS. Sounds like your d/d's have not been paid and they have hit you with 3 x Returned d/d charges or 'advised charges' as they seem to be now calling them.

 

You will have to claim these charges back in the same way as before.

 

Regards.

 

Scott.

[helenm1984]

Hi,

Thanks for the advice, I managed to get through to someone at the branch and even she didnt know what was going on!! she said it looked as through the d/d's were paid, but not recalled, so the d/d's will be paid, but then recalled from the company!! but she doesn't know! then someone at 'phone banking said they wouldn't have been paid! they wont refund the charges so here I go! another claim..............!!!

[maroondevo52]

Best of luck. HBOS did something like that to me a few times, I didn't know if I was coming or going. They would pay d/d's, then return them, then pay them again, then return them. I once had 3 d/d's coming out and only had enough funds in my account to pay the two large one's. I thought that's ok they will pay them and only bounce the small one. NO CHANCE!! They returned the lot and charged me £105 for the pleasure.

 

Regards.

 

Scott.

[helenm1984]

Sounds about right for them!! stupid banks!! I dont think they no what their doing!! it would just be so much easier if they didnt charge, one of my d/d's was for £35.02, they bounced it, then charged £35.00, point? that really bigs me!!

[maroondevo52]

I know, a charge of maybe a £5 would be acceptable to most folk. The level of charges at the moment are very destructive:mad: and get people into a lot of trouble.

 

Regards.

 

Scott.

[hilaryfrances]

Why should banks try and make sense? It pleases them to be stupid and steal our money. I pleaded with YB to give me a break and stop getting me into more debt, but nooo we are easy targets, but hopefully that should all stop soon.

[georgieboy]

Dead right Hils, no amount of pleading works with them. Ithink Mr Nick Leeson and that French chappie have been doing a great job!!!

[hilaryfrances]

yep they should be knighted, tut, tut, fancy spending money that does not belong to them! Sounds like stealing doesnt it? What an idea....still it does sound familar, wonder where they got the idea from ? I know!!!! their employers DOH