Back story:
I recently tried to extend my overdraft limit with my bank as I knew I was about to become overdrawn.
I went into the branch and was told by the line manager bloke I could not see an advisor, due to the status of my account (I have a student account), and could only extend either over the phone or online.
When I said that I'd never had a problem seeing an advisor before, he tapped away at the screen for a bit.. before saying "right, I've put in an application to extend it to X amount, I'll call you on Friday to confirm".
Come Friday, no extension granted. Also, I've become overdrawn.
So, I rang the customer service to do it over the phone. I was told I could have done it in branch, and she was incredulous as to why a financial update wasn't taken. She said it would take over 30 minutes to apply over the phone, as I was ringing a peak rate number on my mobile (no land line), I declined and hung up, intending to go in at next chance (it takes about 2 hours wait at my branch, I don't have 2 hours wait during the day as I work full time).
I've just been charged £88. Had the extension been applied for properly when I initially went in, this would not have happened. My credit rating has also been affected, as well as this problem being more likely to arise again because of the charges. I am also less likely to be granted an extension because of the failure of this one.
So, my question:
Do I have a chance of requesting back the charges as the overdraft application was made incorrectly by a staff memmber, as well as me being given the incorrect information?