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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Sat here in tears over a bank charge?

14 replies

whackamole · 22/03/2012 13:27

I am being unreasonable, especially with the tears. In my defense, I have an ill little boy and have been surviving on 3 hours sleep for the past couple of nights which is horrible.

I'm just really annoyed, I got a charge for a direct debit that was returned as there wasn't enough money in the account. Fair enough, except I stayed up till midnight (despite being knackered) to transfer some funds from the joint account when the tax credits came in. I did it probably latest 00:10.

The most annoying thing is I have funds in another account I could have transferred and didn't because as a member of staff at the bank I tell people they can do this to avoid a charge! I have never been told it was wrong, and now I have a charge to pay, which is really bloody annoying as I am on maternity leave and on a tight budget.

Sigh. I know IABU but I am so annoyed.

As you were Grin

OP posts:
jojane · 22/03/2012 13:35

Tell me about it. I had 4 direct debits tha needed cancelling (I signed up for a magazine offer x 4, the initial £4 was collected

Paiviaso · 22/03/2012 13:35

Well, if you've caused customers to be charged because as an employee you gave them false information, then it sounds a bit like karma...

Not helping I know, but YANBU to be highly stressed out about it, especially after the lack of sleep.

SoftKittyWarmKitty · 22/03/2012 13:37

Ring them and see if they will waive the charge when you explain how you waited up to transfer money. Worth a shot...

imnotmymum · 22/03/2012 13:37

If you speak to the bank and have had good history with them they may waiver the fee. I once had a very sick child and forgot a credit card payment and they waivered charge "just this once!!". Have you asked ?

jojane · 22/03/2012 13:38

On one of the direct debits. I then went to cancel all the eject debits but could only cancel the one already collected against, the rest kept saying error try again, this hapPened several times until the random day thy did collect the debits when suddenly I could cancel them so I did, now in the past you could cancel debits the day they went out and all would be fine but now suddenly you can't aparantly and I have been charged £15 for each debit. So peed off

nickelhasababy · 22/03/2012 13:40

call them and ask them to rescind the charge, explaining what you did.

It's worth a go, and they're likely to do so if you speak to them (i've had late payment charges on credit cards rescinded because it wasn't creditted in time, even though I paid it in earlier in the day. I just rang and they took off the charges)

Tonksforthememories · 22/03/2012 13:40

Which bank are you with? Ours will honour a payment and drop a charge if funds are deposited the same day.

Whatevertheweather · 22/03/2012 13:41

Automated sweeps of account run at midnight. Funds must be in the account the day before to avoid returned dd's/charges. However the returning and the charge that's applied will have been done by your banks pay/no pay system automatically with no human involvement so if you ring up they may be sympathetic and remove the charge. Please make sure you tell your customers funds have to be there the day before to avoid this (I also work for bank Smile)

Original poster
whackamole · 22/03/2012 13:44

Yep, tried the pity approach but as it's actually the dept I work in I didn't hold out much hope!

TBH Paiviaso I am mortified (and really angry) that I might have caused other customers needless fees. We have 5 calls a month listened to and no one has ever flagged this up with me. I've worked there nearly 4 years as well.

OP posts:
cricketballs · 22/03/2012 14:45

we had a direct debit due to go out Monday from one of our accounts - took it very overdrawn; funds paid in about lunch time and everything is fine - no returned direct debit/no charge

Whatevertheweather · 22/03/2012 15:22

cricket sadly you may well have a pending unauthorised overdraft charge, or you may be lucky and bank with a bank that allows one per quarter without charge or because you rectified before midnight you may be okay as when the next 'sweep' took effect you weren't overdrawn.

As for it getting paid when there is no funds this is down to myriad of factors that your banks pay/no pay system will have calculated when it makes the decision. When i worked at branch level it wasn't easy trying to explain why sometimes they'd bounce and sometimes they'd go through but the only way to guarantee is to have cleared funds in the day before. Sometimes it really is 'computer says no'

AlexTasha · 22/03/2012 17:19

I always call the bank and say I will take my business elsewhere unless they refund the charge, and they always do.

GravyAndALumpyMashBaby · 22/03/2012 17:24

I've has fees cancelled. If you are a regular customer at your local branch you can ask nicely and sometimes they'll do it.
I took a screaming baby with me, and they canceled the charge to get rid of us

misspedantic · 24/03/2012 07:49

I use to call my bank's call centre if I had been charge and say "I spoke to a manger the other day and he said that I would be refunded the charge on my account, but I haven't"... sometimes it would work and they would refund me. If it didn't work with that person I would call back a few times until I found someone stupid enough that would refund the charge.

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