This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Unauthorised overdraft. No such thing.

2 minds you should be aware that the banking industry thrives on people not running their accounts responsibly these people earn them millions each year and because of their nature are less likely to ask for refunds. I can remember when if you went to an ATM and you only had £3.00 it would not let you draw £5.00 then somebody thought up the wonderfull term RISK ASSESSMENT and bingo the banks earn more millions. Unauthorised overdraft my backside the software authorises it. Why are people so dumb?

Banks should not be allowed to take customers money directly from their accounts. If they consider that a customer owes them money then they should invoice the customer stating what the charges are for then the customer can either pay up or refuse. This would put an end to the whole saga of these punitive charges, because the banks would be taking the customers to court instead, and have to justify these outrageous amounts.--