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Annoyed at £6 charge when money out then money in on same day


turnbui9
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Being a pensioner[to prevent £6 charge I usually leave enough money in account to cover the interest charges.

 

 

This time I knew my pension was due on 19th which unfortunately clashed with an outgoing

leaving not enough to cover the interest charges.

 

 

Fool me thought [what cat did] that the incoming pension would cover it - no such luck.

 

 

Seems the computer processes all outgoings, apply charges then processes incomings on same day.

 

 

I think this is criminal.

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Send a formal complaint to the Bank's Head/Registered office and explain pretty much what you have above, let them know that you feel you have not been treated fairly and ask them to refund the charge.

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BCOBS

 

 

then read the blue RBS link!

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Being a pensioner[to prevent £6 charge I usually leave enough money in account to cover the interest charges.

 

 

This time I knew my pension was due on 19th which unfortunately clashed with an outgoing

leaving not enough to cover the interest charges.

 

 

Fool me thought [what cat did] that the incoming pension would cover it - no such luck.

 

 

Seems the computer processes all outgoings, apply charges then processes incomings on same day.

 

 

I think this is criminal.

 

Isn't it standard accounting for it to be done that way (debits before credits)?

 

I would make a friendly and apologetic call to somebody from Customer Services first of all, explaining that you didn't realise debits would be processed before credits. You might find that they will be willing to waive any incurred fees as a one-off.

 

Failing that, you could make a formal complaint. But unless you are complaining about financial difficulty I would avoid basing your complaint on BCOBS.

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