Unfair banking charges

[oggyman]

Hi,

My bank deliberately forces my account into the red,I put in money and they delay processing so that I incurr charges.

On one memorable occassion last year I paid in £900 pounds cash and received a letter stating that even though the account was over £600 pounds in credit the bank would not processs a payment and would also levy a charge.

Talk about milking a cash cow.

And so I tried to ring them up and how frustrating is that needless to say we didnt get much joy.

Over the last few years weve had our card cloned again incurring charges and what a fight to prove negligence.Eventually you lose patience and decide to take the bank to task lets reclaim,our case was days away from a hearing when the waiver came into force.

Subsequently the stress of work and debt got to much ,a back injury with strong medication ,depression and drinking eventually led to redundancy.

Ok I thought a least were covered on insurance well maybe eventually so we stopped all payments out of our account only to be landed with more charges because the insurance payments didnt arrive!

Hey ho ! hardship case does this exist?

Not to the banks its purely a case of I'm alright jack tough luck you.

And should the OFT case favour the little man what then? The banks still havnt corrected illegalities over credit cards.

All I can say is OFT pull your finger out and really show some teeth.

[oggyman]

Hi,

Have just read thread by suziwong.

Sounds like we have a similar problem CYNICAL BIG BROTHER BANKING!

Keep on niggling I guess someone will know what to do.

[Suzywong]

I am presently on the phone to them regarding £146 of charges took out today the first RUDE man argued over the top of me constantly and told me these charges were correct and they were allowed to do this. I informed him that because of what they had done they had left me and my children without money for food etc for the rest of the week. He told me I should have made sure there was money in the bank to cover the charges, I asked him how many people does he know that get paid in the middle of the week? He was so infuriating I asked to speak to a manager he cut me off. I have just rang them again and I suspect I spoke to the same person as he would not pass me to a manager. He has reversed two of the lesser charges which does not help me one bit - he also gave me a number to ring and argue it out with them (08456039035) he then said "you will not be allowed any more reversals on charges for the next 12 months so ensure you stay in the black, this has been done as a gesture of goodwill" well i had to put the phone down before I let rip. My aim now within a month to move banks, any suggestions?

[oggyman]

Hi,

If you are able to shift accounts make your present bank fully aware and keep complaining about this injustice.

It will be like water of a ducks back but makes you feel better.

Also make sure you shift any direct debits by notifying both the bank and the company making the request and get this confirmed in writing.

Regards Oggyman