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Hi there my name is Alex, I'm 20 years old and unemployed,

 

Recently I have incurred an overdrawn charge of 25 pounds for a 32p overdrawn statement, I currently have a debit account (current account) with Clydesdale bank, and there is no overdraft plan set up on my account it is just a basic current account.

 

Now I have had a few charges like these in the past while I was employed, now receiving benefits (JSA, job seekers allowance) this charge has taken the last straw :-x as it is surely seen as an absurd unfair bank charge.

 

Is there any way to fight these charges?

 

Thanks in advance for any Response/Help

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If your on benefits, open up a post office card account for benefits to be paid into. Don't use the current account and cancel all direct debts and pay nothing further into it. This way at least no further charges can be taken and your still be getting your benefits in full. You can then sort out any charges against your name as a separate issue..

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Have a read of the BCOBs articles linked in my signature - they are highlighted in Green.

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2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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