To go out in this weather to close bank account after bank charge?

[StarlightMcKingsThree]

I went overdrawn. I rarely do this. When it has happened payment stops.

This time they allowed payments, didn't inform me and then charged me £100 to be taken at end of Month.

No idea if this is legal. Plenty of idea it is unethical.

So, bye bye bank right?

If it's the first time this has happened you can ring them and they should refund. Outrageous charges imho. Next time it happens though they probably won't refund.

Surely it's up to you to know what payments are due out. They would have charged you to return the payment as well so either way you would have been charged

YANBU, especially if you cab swap to bank that gives a £100 sweetener.

Oh and YAVVVVNBU if the bank in question is Lloyds!

YABVU, you went overdrawn without authorisation yet its the banks fault you overspent! The charge is applied as you spey their money without asking.

Are you going to swap bank everytime it happens?

HSBC.

They would have to return all the payments except the first, which would have ensured I'd sorted the others.

Coukdn't do by phone coz failed security wot with all the secret numbers, secret words and no landline.

It's never happened before. Well once, but that just stopped my card and so I paid small charge and dealt with it.

It's the banks fault they didn't inform me, but allowed continued spending with me duped into thinking I was still in credit.

I've had this account for 24 years.

It isn't the bank's job to keep track of your money, it's yours. By all means cancel your account but I would imagine you'd be hard pressed to find a bank that didn't charge you for going overdrawn.

Its not the banks fault for not informing you, you are an adult and should be in control of your account. Given its not your first time, they are right in applying a charge. Learn from it and stop blaming others for your own actions.

I don't have an issue with penalties for going overdrawn. I have an issue with providing the facilities and subsequent charges to enable continuous overdrawing without contact the person.

My last experience, 22 years ago was that £2 overdrawn meant card no longer worked. As such, should I go overdrawn, that is what experience tells me will happen.

Agree with Iam and HappyMummy. With telephone banking, internet banking and the mobile app, there isn't really much excuse now for not knowing what state your bank account's in. And you can check your account balance at any ATM in the UK.

I've been charged on a number of occasions (and been refunded when I've gone in and played the "poor student" card) but I blame myself, not the bank.

It is your responsibility to know when to stop spending and not tge banks to cut you off. You should also understand any contract you are part of.

To be frank, I think the chances of you simply having accidentally ignored a letter informing you of any change in policy wrt overdraft charges is higher than the bank not informing you in the first place.

Regardless, you are still ultimately responsible for managing your money, not the bank.

Same happened with me with same bank about six months ago. I admitted he should have kept a closer eye on my finances, but complained that whereas previously any payments on my debit card have been refused if up to my overdraft limit, this time they had allowed me to invite over 100 over my overdraft limit and then charged me 100 in total for being overdrawn past my limit. The charges were applied to each transaction that had taken place over my limit. I argued that this was an unfair practice as they just suddenly allowed me to rack up charges when previously transactions just hadn't been approved. I didn't ask for a refund but they were incredibly helpful as they could see this wasn't something I'd done before so refunded me all but the first 10 charge and set up a text alert so I'm informed as soon as I get within 100 of my limit.

I think as I didn't go in all guns blazing and I didn't ask for a refund, just wanted to record that I was unhappy with what seemed like a sudden change in policy (I'd been a customer for 18 years and never been allowed to go over my limit before) but the woman I spoke to could see that this hadn't happened before and offered to refund all charges apart from the first one. Because of their reaction I stayed with the bank. If she hadn't been so helpful I'd have switched.

I have a mobile phone app, internet banking and there are plenty of cash machines about that will give you a balance. You cant blame the bank for you spending more money than you've got.

*I should have kept an eye on my finances, not he!

p.s. not all retailers refer back to your bank before authorising as they will have a certain floor limit under which they will just process the payment. It is up to you know if you have enough funds to cover what you are buying

Every bank will charge you if you go overdrawn without an agreed overdraft. Most will let you keep spending but charge you.

Perhaps you should instead arrange a £200 overdraft facility? I have £200 overdraft arranged, but I've only used it once or twice in the last 5 years, and then, by accident, not keeping track of what's in my account. It does mean, however, I don't get charged an obsence amount if I just go £5 overdrawn the day before getting paid.

It's a debit card, not a credit card. They have no business given me an unasked for service of credit and then charging me.

They don't give a shit that I'm closing my account.

Still doing it.

I think bank charges are wrong

and i'd be with you all the way

except ...you need t track your own money

I'd get it if there was an unexpected payment

but to spend until your card no longer works is a bit daft

They've changed their mind as long as I attent their training on Internet banking

it may be a debit card but you are still in charge of how much money you have available. Internet banking is easy and if they have a mobile phone app get that too.

hsbc do have a mobile app - I advise you to get it and use it to keep track of your balance