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Bank Overdrawn/cancellation fees.
Former Member
Posts: 1,876,323 The Mix Honorary Guru
A simple version: I want to claim back all overdrawn/cancellation/debit charges from my bank, Halifax, from the date I opened the account. How do I do it, or where do I send a refund letter?
I've now been issued another £35 pound fee, which I'm not fuming about but I am because all they did was cancel the transaction and I never went overdrawn. This is how it breaks down.
It was due to me not thinking. I had roughly £6 left in my bank, I spent £4.10 of it, but I didn't think/realize at the time that it will take 2-3 days for my online banking to reduce my amount, though it usually instantly/over 24 hours lowers it saying "I have: Blah" and "I am able to withdraw/spend blah" but this time, it never. I didn't think so I went ahead and bought something for £3.90, so yeah, I would have went overdrawn due to self negligence. But here's the thing, the bank canceled the first payment of £4.10 BUT allowed the 2nd payment of £3.90 - so I never went overdrawn but I got a £35 fee for them cancelling the payment for £4.10.
The first time I got an overdrawn charge it was THEIR fault. Everytime I want to use my debit card in electronic purchases, in the slots or online, they charge me £1.50 each time. The first time I went overdrawn by £1 because of that f:mad: £1.50 charge. So I get a £30 overdrawn charge, I did pay it even though I shouldn't have. So it was basically a £31.50 charge!
They've taken shit loads of money off me over the year I've used my account with them because of those £1.50 charges, so I want to claim them all back. I did searches into it and they never told me when I opened the account, nor could I see in the little booklet that I would be charged £1.50 each time, plus it's meant to be an illegal charge?
I'm going in tomorrow and talking to the people, getting a full bank statement from the open date, and calculating the fees, them writing to them. Where do I write/send the letter or how do I go about it all? I've never done it before.
I've now been issued another £35 pound fee, which I'm not fuming about but I am because all they did was cancel the transaction and I never went overdrawn. This is how it breaks down.
It was due to me not thinking. I had roughly £6 left in my bank, I spent £4.10 of it, but I didn't think/realize at the time that it will take 2-3 days for my online banking to reduce my amount, though it usually instantly/over 24 hours lowers it saying "I have: Blah" and "I am able to withdraw/spend blah" but this time, it never. I didn't think so I went ahead and bought something for £3.90, so yeah, I would have went overdrawn due to self negligence. But here's the thing, the bank canceled the first payment of £4.10 BUT allowed the 2nd payment of £3.90 - so I never went overdrawn but I got a £35 fee for them cancelling the payment for £4.10.
The first time I got an overdrawn charge it was THEIR fault. Everytime I want to use my debit card in electronic purchases, in the slots or online, they charge me £1.50 each time. The first time I went overdrawn by £1 because of that f:mad: £1.50 charge. So I get a £30 overdrawn charge, I did pay it even though I shouldn't have. So it was basically a £31.50 charge!
They've taken shit loads of money off me over the year I've used my account with them because of those £1.50 charges, so I want to claim them all back. I did searches into it and they never told me when I opened the account, nor could I see in the little booklet that I would be charged £1.50 each time, plus it's meant to be an illegal charge?
I'm going in tomorrow and talking to the people, getting a full bank statement from the open date, and calculating the fees, them writing to them. Where do I write/send the letter or how do I go about it all? I've never done it before.
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Comments
Banks et al are cunts. They exist for 1 reason and one reason only, to make money out of you.
moneysavingexpert.com has the type of letter you need
http://www.moneysavingexpert.com/reclaim/bank-charges#step2
I knew of this, but I'm not making foreign transactions... I'm in the UK making payments in the UK, this is for anything.
But here's the thing. The payment of £4.10 has only recently been cancelled through Paypal, even though my bank already cancelled the payment... and they gave me the £35 charge nearly 1 week before Paypal denied to send the payment. Now that I had money placed into the account on Tuesday, the £4.10 was automatically taken out and now the £4.10 isn't a problem now.
So I never went overdrawn, they just charged me £35 for holding back the payment - and I'm still being charged it.
How can 1 bank charge 35 and another 12
f-ing rage. :mad: