Can they really do this?

[kazdoc]

Can you believe this?

Checked online banking yesterday morningand saw that the council had taken out their council tax DD 3 days early causing me to go over my arranged overdraft. Waited for the bank to open and paid in the money as soon as.

Today recieved a letter saying I was getting a £35 charge:-x even though my online statement shows that I did not go over my arranged overdraft:confused:

 

How is this?

And why did the lady on the phone say that I cant claim it back and that in future my statements will show that I was overdrawn for that one hour?

 

Crazy, Crazy, Crazy

 

Greedy, Greedy, Greedy

[5layer]

Hi,

 

I think the banks are going to make it as difficult and unpredictable as possible for consumers, its there way of fighting back.

 

Are you still banking with the same bank that you got your charges back from, because they could be making life difficult as a way of pay back to them.

 

Just a thought...

 

5layer

[pennypenny]

Hi kazdoc,

Exactly the same thing happened to me:mad:

I looked on online banking and noticed a DD had come out early so the very same day I went into the bank and payed in the money. Looked back online and it showed the money paid in and I wasnt overdrawn. I thought that would be Okay but no, I received a letter saying I was getting the £35 charge.

When I rang to complain they said cos I had reclaimed charges in the past I would not be able to get it back:mad: oh I dont think so. I never signed anything saying I wouldnt claim again. They make me so mad

[kazdoc]

Yes, I claimed back my charges from The Halifax just over a year ago. In that time I've been lucky enough not to incur any more fines, unfortunately maternity leave has left me in the red!

I shall be writing to head office again about this ludicrous charge, and seeking to claim it back; however I do not wish my account to be closed.

[Bookworm]

If it's any reassurance, they tried to tell me the same when I went and reclaimed my charges for the 2nd time. They still paid up in full, and STILL tried to tell me that they wouldn't pay out again if I did it again. Bless 'em, they do try.

[emboli]

Hi, no expert but if i remember correctly, if there is a problem with your account due to an early DD payment etc the bank and creditor are liable. If you have access to a DD form it does mention something about the guarantee.

[kazdoc]

Thanks for that.

What really made me mad was the woman that I spoke to. She was so `up' herself. I have always been polite and even wrote a thank you letter when I was reimbursed. I made a point of saying to the lady on the phone that I understood that she was not to blame. She basically spoke to me as though I had seriously inconvenienced her and her bank! She said that if I had claimed back in the past then I could not claim back a second time:confused: Then again, I wouldnt like to do her job. I like happy jobs:)

[gni03349]

I was always under the impression that if a change in payment date was going to happen, that the person claiming the money had to notify you in writing. I know about the slight variance in dates, but that only allows for things like weekends, bank holidays etc, as far I am aware.

 

Of course, the onus is always on the person whos account the money will come out of, that the funds are there, but having said that, the people who take the money have a duty to inform you of any change of date of this. I would give your local council an earful Kaz, and demand to know why it was taken early.

 

You have to bear in mind that, although human beings might not work on a saturday, sunday or public holiday, machines work for 24 hours a day, 7 days a week, 365 days a year at these places, so there is NO excuse for them removing, unlawfully I might add, funds from your account (but I see you KNOW its unlawful ).

 

Regards...

[Bookworm]

What really made me mad was the woman that I spoke to. She was so `up' herself. I have always been polite and even wrote a thank you letter when I was reimbursed. I made a point of saying to the lady on the phone that I understood that she was not to blame. She basically spoke to me as though I had seriously inconvenienced her and her bank! She said that if I had claimed back in the past then I could not claim back a second time:confused: Then again, I wouldnt like to do her job. I like happy jobs:)

Oooh, sounds like the stroppy cow I got last year. She kept on saying: "If you managed your finances properly, this situation wouldn't happen", to which I promptly replied that *I* managed my finances properly, I had only gone over by 12 pence, and that it was *their* mis-management of my account, piling on £39 and £28 one after the other which had led to my claim for £150. She didn't like that one little bit.

[kennythecelt]

Hi kazdoc and gni, I have sent you a PM re post 7 and 8 above. Ta and good luck, Kenny:)