This topic was closed on 03/06/19. 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 their. 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

This topic was closed on 03/06/19. 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 their. 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

This topic was closed on 03/05/19. 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 their. 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

This topic was closed on 03/05/19. 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 their. 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

This topic was closed on 03/05/19. 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 their. 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

This topic was closed on 03/05/19. 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 their. 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

This topic was closed on 03/05/19. 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 their. 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

This topic was closed on 03/05/19. 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 their. 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

This topic was closed on 03/05/19. 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 their. 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

rbs have already given me my statements for this account at a cost of 5 pounds, is it worth writing to the bank asking them to clarify excactly what a referral charge is for, what it entails, and how it is implemented.

i think its business equivalent of unautherised overdraft charge, they autherise it then charge you. the alternative is reject it then they charge you?

the referral was just a decission as to pay an item or not they only charged either an unpaid fee or if it was paid, a referral fee

i do not know as i have not asked him it was a long time ago he may not even remember. i do not know about the t+c as i have not got a copy of them

i ended up selling the business over 4 years ago so i have not got a copy of the t+c, i just wandered if anyone on the site has had any experience of referal charges as they are quite common.thank you

I was told I had a £2000 overdaft facility, but when my business was failing and my accountant had a meeting with the business manager to sort things out he asked why there were so many massive charges on the account which were crippling the business. We were then told that he hadn't actually put an overdraft on the account, just what he explained as an unofficial overdraft, where every transaction was referred to him to authorise and he charged an extra £20 a time for the privelege, as well as the charge for going overdrawn. My accountant did ask him if he could do anything about these charges as it was not our fault he didn't put an official od on the account but he refused and said there was nothing he could do to help us. He did not actually do anything manually, just make a decision yea or nay.