Ducko Posted March 31, 2009 Report Share Posted March 31, 2009 good eve' i went overdrawn last month just before pay day thing 5 days before,anyway the filthy mothers at the bank have charged me 105 pound!!ive heard this is illegal for banks too do so is this correct? just dont want the theifing gets' to have 105 quid of my money its rediculous!cheers boisss Quote Link to comment Share on other sites More sharing options...
Revolver Posted March 31, 2009 Report Share Posted March 31, 2009 Its not illegal, unfortunately, but you can often get it back, if it's your first time doing it. Quote Link to comment Share on other sites More sharing options...
Ducko Posted March 31, 2009 Author Report Share Posted March 31, 2009 ah rightio i read a thing on the net a min ago about them not being aloud to do it?fair enough ill see what a bit of winging does instead Quote Link to comment Share on other sites More sharing options...
weirdoku Posted March 31, 2009 Report Share Posted March 31, 2009 Unplanned overdraft? I remember I went over by pennies and they still charged me £12 for initial overdrawn then £6 for everyday untill I paid it all back. Quote Link to comment Share on other sites More sharing options...
Revolver Posted April 1, 2009 Report Share Posted April 1, 2009 (edited) Strangely enough, I've been overdrawn on one card, without being charged, when the card won't allow me to be overdrawn, and I've been overdrawn on another and managed to pay it back without being charged.It's 67 quid for halifax though, that they make you pay. Edited April 1, 2009 by Bruce Lee Quote Link to comment Share on other sites More sharing options...
Ducko Posted April 1, 2009 Author Report Share Posted April 1, 2009 if they do ill be moving my account and as i have a fair amount of money pass through it each month they might change there minds:P just had one v bad month haha Quote Link to comment Share on other sites More sharing options...
Mark W Posted April 1, 2009 Report Share Posted April 1, 2009 Abbey stiffed me for £50 for going £4 overdrawn on a debit account I'm not able to go overdrawn on, so I wouldn't give them your custom either Quote Link to comment Share on other sites More sharing options...
Ducko Posted April 1, 2009 Author Report Share Posted April 1, 2009 cheers bird equipped with painting pallet man! they can get bent too! Quote Link to comment Share on other sites More sharing options...
Mark W Posted April 1, 2009 Report Share Posted April 1, 2009 Good shout But yeah, I literally went £4 overdrawn for less than an hour and they charged me £20 for using an unauthorised overdraft (That I shouldn't have been able to use, because I have a debit account with no overdraft so they should make my card decline when I'm trying to pay for something I can't afford), and then an additional £30 for making a payment that meant I had to use an unauthorised overdraft. Bunch o' twats. Quote Link to comment Share on other sites More sharing options...
Ben Cox Posted April 1, 2009 Report Share Posted April 1, 2009 lol my bank used to kill me for going over my overdraft with a payment, then also hit me with a declined payment charge! at 30 quid a pop its not very nice! im dreading looking at my account at the mo, ive left it with shitloads of charges building up and loan payments bouncing since december, when the job centre stopped my job seekers payment... Quote Link to comment Share on other sites More sharing options...
Ducko Posted April 1, 2009 Author Report Share Posted April 1, 2009 not a good time for the banks too be such c**ts when alot of people are struggling and head bankers are swimming in funds! i wish aid's upon them for contributing to ruining many peoples lives Quote Link to comment Share on other sites More sharing options...
JT! Posted April 1, 2009 Report Share Posted April 1, 2009 Abbey stiffed me for £50 for going £4 overdrawn on a debit account I'm not able to go overdrawn on, so I wouldn't give them your custom either Good shout But yeah, I literally went £4 overdrawn for less than an hour and they charged me £20 for using an unauthorised overdraft (That I shouldn't have been able to use, because I have a debit account with no overdraft so they should make my card decline when I'm trying to pay for something I can't afford), and then an additional £30 for making a payment that meant I had to use an unauthorised overdraft. Bunch o' twats.Same happened to me. Last time i called my bank i said "I don't want any kind of overdraft" and the woman said yeah there's a note next to your account saying 'no lending'.2 weeks later, £25 fine for going overdrawn. Quote Link to comment Share on other sites More sharing options...
that NBR dude Posted April 1, 2009 Report Share Posted April 1, 2009 (edited) i went overdrawn last month just before pay day thing 5 days before,anyway the filthy mothers at the bank have charged me 105 pound!!I would go in there and ask why its £105. For 5 days, that sounds like an unsually high amount. Normally, its £35 for a letter or whatever, and £5 days thereafter or something similar.Edit - Also it may all change soon, as the final court case should be settled soon, which looks like its going to result in fees having to be paid back. If the banks loose this time (already lost the case 2-3 times and appealed) they cannot appeal again. Edited April 1, 2009 by that NBR dude Quote Link to comment Share on other sites More sharing options...
Tylerlovesalex Posted April 1, 2009 Report Share Posted April 1, 2009 (edited) i been nailed 4 weeks in a row going over as little as 10p, THATS RIGHT 10p!£25 is the charge, thats with hsbc, might be time to get a overdraft?anyone know weather its really worth getting a loan or not?i only have a part time job doing 10-15 hours a week on 4.88.edit wanted like 1000-1500 ish Edited April 1, 2009 by Tylerlovesalex Quote Link to comment Share on other sites More sharing options...
Jolfa Posted April 1, 2009 Report Share Posted April 1, 2009 It used to be illegal through some loophole or other, but they changed the way they word the charges so it's now all ok.I've had no end of £30 charges, and got 80% of them back by going and asking at the bank, giving them a sad story and/or making out it was 100% their fault. Need to write a couple of strongly worded letters actually, i could be on for another £50 back anyone know weather its really worth getting a loan or not?i only have a part time job doing 10-15 hours a week on 4.88.edit wanted like 1000-1500 ishAside from it being a really stupid idea, they'd probably laugh you all the way out the door at a bank... Quote Link to comment Share on other sites More sharing options...
Ducko Posted April 1, 2009 Author Report Share Posted April 1, 2009 its apparently illegal, if it is in court it should be made illegal officially,if someone is overdrawn there just dropping people more in the shit stupid tossers Quote Link to comment Share on other sites More sharing options...
Jolfa Posted April 1, 2009 Report Share Posted April 1, 2009 Well yea, but if they just let people go overdrawn for free then people would just take the piss with it.There has to be consequences... Quote Link to comment Share on other sites More sharing options...
Ducko Posted April 2, 2009 Author Report Share Posted April 2, 2009 yeah but for people who just do it once say in 6years! you should get let off.. Quote Link to comment Share on other sites More sharing options...
ZHI-sam Posted April 2, 2009 Report Share Posted April 2, 2009 lloyds:25 quid initial charge then 6 quid each day after up to 5 quid. 45 quid charge for 66p overdrawngot that back though Quote Link to comment Share on other sites More sharing options...
Papa Manual Posted April 2, 2009 Report Share Posted April 2, 2009 In England I don't think it's illegal, but can be proved unfair/unreasonable in court depending on the circumstances and then refunded. Just go in at lunchtime when there's load of people and cause a scene if you don't get your own way. Quote Link to comment Share on other sites More sharing options...
Ducko Posted April 2, 2009 Author Report Share Posted April 2, 2009 i think ill begin by penetrating there mothers,if i dont get my money back! Quote Link to comment Share on other sites More sharing options...
MikeCottTrials Posted April 3, 2009 Report Share Posted April 3, 2009 just shit yourself in the bank Quote Link to comment Share on other sites More sharing options...
Ducko Posted April 3, 2009 Author Report Share Posted April 3, 2009 sounds like a good idea!i can see it now' give me my god damn money!''erm no sir'' ill shit in your bank i not joking money man!''ha sure thing kid ha'*drops pants*BOOOM! turd hits him in the face!then it'll be worth the money ha! Quote Link to comment Share on other sites More sharing options...
Simon Posted April 3, 2009 Report Share Posted April 3, 2009 Halifax charge you 35 quid for a transaction over your overdraft. I did this one day before payday without realising, bought lunch at 2 shops then food on way home then something else i needed twice more, with a grand total of like 10 quid, cost me 105 quid as they are allowed to charge you for the 3 times over the overdraft.I didn't get it back and they are complete bastards about it.You get it back once, as a "goodwill" gesture, anything after that and you are f**ked. Quote Link to comment Share on other sites More sharing options...
boon racoon Posted April 3, 2009 Report Share Posted April 3, 2009 Move to Co-op bank and turn your faith away from the so-called good banks which have put us all in the shit. Quote Link to comment Share on other sites More sharing options...
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