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Double Bank Charges $$$


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I am posting this hoping that someone has advice.

 

My bank typically charge £25 for what they call a 'Paid Item Charge'.

Unfortunately for me, it has put me over my overdraft limit on several occasions which has caused me to receive a further £25 charge at the end of the month for what they call an 'Unauthorised Overdraft Charge'.

 

I have challenged the bank and asked if they honestly believe that a few pounds over the limit can honestly warrant charging a total of £50 in one monthly period. As expected, they say yes.

The most I have incurred over one weekend is £75, that's 3 seperate charges. I have threatend the bank with the Banking Ombudsman which they have practically invited me to bring it on. I contacted the Ombudsman and they are no help what so ever. They insist the bank is within it's rights to charge. So as a piece of advice, don't expect help from the ombudsman.

 

So I guess i'm interested in what your views are in conjunction with what I call Banks Double Charges [problem].

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Hi and welcome Steve, first read the FAQs and step by step instructions ,also spend a couple of days reading some threads in the relevant bank forum to gain some insight as to what to do and when to do it.Then when you are ready start your own thread to keep us all posted on your progress and also ask questions if needs be

Good luck

:) Go on ... you know you want to click me :)

:lol:don't be like the banks - give a little back :lol:

:D There was a time before CAG but now CAG is here we are the empowered! :D

In progress:

Mechs and Mother (deceased) V Halifax - N1 form filed at Court 9 Aug 06

Advice & opinions of mechs, The Consumer Action Group and The Bank Action Group are offered informally, without prejudice & without liability. Seek advice of a qualified insured professional if you have any doubts.

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