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NatWest + £5 over my agreed limit = £28 charge!


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Hi all,


A couple of weeks ago I went £5.15 over my agreed overdraft limit for 1 day and now I will be charged £28 at the end of the month - I don't do this often - this is the third time in about 8 years (lord only knows how!) and want to phone up and argue with them. A colleague of mine seems to think that there is a buffer zone of about £10 on accounts now- so even though I did go over my limit by the vast amount of £5.15 for the entire day I shouldn't have to pay these charges.


I want to phone up with my facts so i can argue the toss with them - any ideas of what to say? The last time this happened, they said that as they had refunded one charge in the past as a goodwill gesture they couldn't do it again.


Any help would be much appreciated.





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