£100 overdraft fee??!

[iiyama66]

HI,

 

AL declined to pay a DD due to lack of funds, the DD was for £500 and i only had £369, however I noticed that AL had taken £100 overdraft fee the day before and then im charged a 'payment review fee' of £25 for the returned DD! So their fees prevented a DD payment.

 

What is the best course of action?

 

Cheers in advance

[maroondevo52]

Hi,

 

Not sure there's a lot you can do, I take it they informed you they were going to take the overdraft fee out on that date ?

 

Is this £100 deducted monthly or whats the score with it.

 

Regards.

 

Scott.

[sd22]

Hi Scott,

 

Its a fee for being over my OD limit last month, the date is unusual as before any fee had been taken in the middle of the month, my limit is £250 so not massive.

 

It just seems ridiculous that their fees and charges result in non payment, £100 fee just cant be justified. I wouldn't mind so much if they applied a consistent approach, some months they allow payments to go through and next time they don't!

[maroondevo52]

Hi,

 

I'd claim these charges back, have you had anymore, if so start a claim against them.

 

I know what you mean about them being consistent, they are a total nightmare and law unto themselves, they make the rules up as they go along.

 

I was put through years of misery because of my Banks actions regarding charges ect.

 

They just don't give a jot.

 

Have you had many charges before, it's sometimes worth giving them a phone and asking them to reverse them

 

Regards.

 

Scott.

[sd22]

I will phone them tomorrow but i dont have much faith that they will do anything, however i will claim them back!

 

Thanks for response(S)!