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My apologies if this is covered by another existing thread.

 

I am on ESA and having problems with my BOS current account. Basically, I have been getting into an unauthorised overdraft position as the bank states that retailers have a floor and ceiling of rates they allow before checking if there are sufficient funds available.

 

It is a basic account and I am led to believe that it is not possible for me to get into such a state.

 

Not sure if I am communicating my grievance properly, so forgive me. I am in a bit of a state, as it is causing me real hardship.

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I think here a letter to their CEO advising them that you receive ESA and that overdraft requests when in the basic account are causing you hardship. Demand the charges back.

 

Read BCOBS esp treating you fairly and taking due regard for customers interests bits. Quote those bits at them.

 

More detailed advise will follow I expect :)

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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