Got a Charge for £25

[barknic]

Hi,

 

I have been on my online banking with a&l today and I have a charge for a DD.

 

I look at my statement and it looks like this...

29/05/2010OVERDRAFT USAGE FEE-5 65.86

28/05/2010DIRECT DEBIT O2-60.16 70.86

28/05/2010PAYMENT REVIEW FEE - ITEM PAID - 25 131.02

28/05/2010BANK CREDIT blahblah 200 156.02

 

The oldest being at the bottom. I have a £50 OD facility and the night before it was -£43.00 OD still within my OD limit.

 

First thing (on the 28th at around 8am)I transfeer in £200 to cover the O2 DD and then they put the charge on, before the DD shows to have taken out. I am currently changing accounts to Halifax as the 3 yrs with alliance and L have been the worst i've ever had with a bank.

 

Can I claim this back? as according to my records in front of my face I can see cronologically that the charges shoudlnt have been applied. I called the phone banking to complain and the lady just said that I should have logged on at 5am and transfeerd the money in. THat way I wouldnt have been charged. THeir records look complelety different to mine and its always in their favour.

[barknic]

Typically I write all that out, then a supervisor calls me back and as a gesture of good will they will be refunding me the charge.

 

Still leaving you tho A&L...