Overdrawn Payments...

[djfaulkner]

Hi There

 

Not sure if this is the right section but here goes.....

 

At the weekend I went to check on my bank statement to plan to plan for the rest of the month now all the bills had been paid.

 

I knew that I had some charges for going overdrawn but I didnt expect £140!!!!

I called Alliance and Leicester and spoke to customer services and was told the fee is £5 a day for each day, which is NOT capped. I expained that I cant afford that the charge in one go and asked if it can divided over two months, to which she replied:

 

'No - once the charges have been raised nothing can be done' All I can do is to put a note on the account to say you are unhappy with the charges.....

 

Are they allowed to do this? Is it too late to claim back the charges due to the court case?

[yourbank]

The answer is that they are allowed to do this but you can still put in a claim for bank charges while the OFT test case is ongoing.

[Guest Old_andrew2018]

Why write to them explaining there was an oversight, they may as a gesture of goodwill refund the charges.

You never know I thinks its worth a try, I once had some MBNA CHARGES RETURNED,.

Andy

[Conniff]

Have a look at your credit reference - Alliance & Leicester tend to put defaults on there for going over your limit.

[djfaulkner]

Thanks for the replies - Will send them a letter tomorrow.

 

The thing that really bugs me was that I was only £50 overdrawn to start with.

[legalpickle]

£50 overdrawn is not bad. I've been and there other people who have been bumped for 50p overdrawn!!!

[Conniff]

Thanks for the replies - Will send them a letter tomorrow.

 

The thing that really bugs me was that I was only £50 overdrawn to start with.

 

They calculate which way will give them the most penalty payment, then either pay or refuse payment whichever way gives them the most.

[Mrs_Ryan]

Interesting.... I've just had a ding-dong with A&L about a charge for a returned DD.... £50!!! Jeez.

 

However, they are looking into refunding it but that £5 a day is shocking...

[djfaulkner]

I know - I've sent them a leter so lets see what happens.

 

I really cant understand while they wont split the payments over a few months, if I'm willing to pay it..... oh well.

[Mrs_Ryan]

They told me that if theres anything that could be classed as being in 'hardship' they have a team who can look at it - for instance, I told them (truthfully) my partner is disabled and we would struggle if they took the charges all at once.

 

If theres anything at all you could use give them a try.

 

Mrs R

[gemspan]

My bank account is now over £1000 overdrawn due to being overdrawn by 1.25. That's with Lloyds TSB. Shocking behaviour!!!

 

Gemspan

[legalpickle]

My bank account is now over £1000 overdrawn due to being overdrawn by 1.25. That's with Lloyds TSB. Shocking behaviour!!!

 

Gemspan

 

Yeah, but hardly surprising coming from Lloyds The Sh*te *ank [you decide what to put in place of the last *!]

[Conniff]

My bank account is now over £1000 overdrawn due to being overdrawn by 1.25. That's with Lloyds TSB. Shocking behaviour!!!

 

Gemspan

 

Why not open an account elswhere and tell them where to go.