Banks.

[avenanap]

Is it unreasonable for me to think that after 10 years of banking with Natsouth, they sould stop taking the mickey. They've just charged me £38 for going £1.37 over my overdraft limit, I've now been charged an additional £12 by my credit card company for missing the payment. Does anyone find this pathetic? Bastars! They won't refund it either. I have to write an email to customer service that never contact you back . Is this the lowest amount that anyone has gone over their limit by and been charged? Bastars

thats why I like Barclays, they have a £5 buffer on top of my overdraft so if I do go a few pounds over I don't get a charge.

I was once told that Tw*twest had a £10 discretion on top of your overdraft. £1.37 isn't exactly alot. I don't know how they can justify charging £38. I hope they all get chicken pox!

I thought you were allowed a certain % over your overdrafr, like £10 or something, before you get charged?

Call them up. I'm with Natwest and after they charged me for going £2 overdrawn I told them it was questionable in legality and unless they voided the charge I would change banks.
It worked for me.

I've already phoned them up. He just gave me the email address for customer service, who never contact you back. I just think they are taking the p*ss. I'm still winning with £1.37. Anyone got a lower amount?

They are just tossers.
I remember as a student I got charged for a direct debit bouncing, cancelled the dd but they tried again and I got charged again, repeatedly.
I ended up nearly £200 overdrawn just through charges. Not knowing my rights I just accepted it and almost all my wages for that month were swallowed up by it.

Ohh, that's not nice. I think they use students as a way of boosting their profits. I'm sure it's in the financial services act that they can not encourage the poor to get into debt, nor can they make a profit out of their bank charges. bastar*s!

I know, after it happened again they cancelled my entire overdraft (£1'500) and gave me 58 days to pay it back. They also charged interest.
Fortunately my parents helped me but they were not happy about it.
They are happy to give you overdrafts and credit cards etc but as soon as you run into trouble they come down on you.
And I don't know many people that were good at budgeting at 19 years old fgs.

Ther is a new Law just come in re "Treating customers fairly". I believe that if you did complain you would be refunded the charges issued by your bank (Not those by your credit card issuer though) due to the small amount involved.

Don't bother with customer services, write direct to the top. Different circumstances, I know, but I had heaps of trouble with a company once, over money and was pushed from pillar to post. I wrote direct to the Managing Director and within a week, I had a call and a letter from his PA and the dispute was solved. Threaten them with Watchdog too! Got to be worth a try for the cost of a first class stamp!

it's tempting. I think they are fobbing customers off until the court decides on wether the charges are fair. I think the'll lose. Money grabbing gits!