£30 charge for going £1-05 O/D

[CBUK]

I have now been charged twice for going overdrawn by £1-05 & £1-15 ... £60-00 in total,the charges to my account have been totally electronic ... what ever happen to Customer Service??? if i had been rung to say the charges were going made i would feel a little better ... not only is it affecting my wealth it effecting my health ... i am not a rich person and i do sometimes run my account close to o/d but what do i do???? I have now written to the bank,they inform that they have stuck up a deal with the FSA to suspend complaints until the court case is over (no help to me!)

[jowalshy]

HI CBUK. Welcome to CAG. Which bank are you with?

[**Tilly**]

Hi CBUk and welcome to the forum

Have you tried ringing the bank and asking them to refund

the charges they do this sometimes as a goodwill gesture

it may be worth a try good luck

Tilly

[jowalshy]

I agree with Tilly, although sometimes you have to try and get through to your branch manager because the ones that talk to you on the phone, initially, seem to go on auto pilot and just keep refering to the test case all the time.

 

If you are usually good with your account and the little ooop's where you just miscalculated by just over a pound were just a one off, you should hopefully get the charges refunded.

 

Best of luck

[CBUK]

Hi ... The bank concerned is the Nationwide

[jowalshy]

I will ask someone to move your thread to the Nationwide forum as there will be more people there that can help you.

 

But do try and talk to someone at your branch, because if this occurance was just a one off, they may refund the charges.

[barracad]

[MilkTrayMan]

Hi ... The bank concerned is the Nationwide

Oh Goody, my passport out of the Bear Garden!...

 

Hi CBUK!

 

Have a quick read through the following Post + the further links contain within it...

http://www.consumeractiongroup.co.uk/forum/show-post/post-604825.html

 

Anything that U're unsure about, just let peeps know...

 

 

...

[indebtstudent]

Nationwide operates a refund of charges policy. Previously they would (almost always) refund the first time a customer had a charge.

 

Now they have what they call first time only refunds which only apply in certain circumstances. For example funds were paid in the same day or a cheque cleared the next day.

 

If this isn't the case all is not lost because you can still play the hardship angle. You may get a standard response back but its worth writing again (costs them more each time), tell them what £60 of charges means to you. Tell them you cannot wait until the resolution of the test case because the £60 will cause you to incur more charges.