Hi,
Last July I went over my overdraft.
My dad put £300 in my account and I did not realise it was the other account he put it in.
I found out but by then I had incurred fees which were capped at £90 and I was charged a further £20 for going over my overdraft and interest on top.
I did not know I could ask these to be waived.
I then went into my overdraft the next month by a few pounds.
I found out that I was charged an unauthorised overdraft fee as my overdraft was taken away without any warning or letters.
I went to Nationwide and the fee was waived however nothing was explained to me about the overdraft.
I once again did not know what to do about it so I did not complain.
I have had no problems with overdrafts since then.
Now in April I decided to move to HSBC for their student account as I felt I may need an overdraft this summer.
I got one and I want to close my nationwide account.
However in June I made a silly mistake of thinking my payments from some shops had already cleared and ended up having an unauthorised overdraft.
I did not understand why and the woman in branch explained how I had got into my unauthorised overdraft as some payments had cleared later. She was no more help than that.
I moved out of my university accommodation but I forgot to change my address as I thought by the end of the month now funds had been added my account would close.
My bank letters have gone there so I did not know the fees I would be charged.
I checked my account yesterday and found I had been charged £45 in unpaid item fees and a £20 unauthorised overdraft fee.
This sunk me into my overdraft by £20 and then I had 3 payments clear on the 1st August from Amazon which means next month I will also have the same situation.
I have credited my account so I now have £43 in there.
How do I go about getting my the money from the charges back? I think I have a fair claim as nationwide took my overdraft away without informing me.
