Paid item fees refund - Hardship case

[apn8keh]

Hi Guys,

 

Mum has just been charged £95, £55, £95 unauthorised overdraft & paid referal fees for Nov, Dec, Jan & had accrued £110 for Feb. She had been silly and used her debit card for a few small purchases & withdrawn £10 at a time from the cash machine a few times whilst over her limit. Each transaction cost £15 paid referral fee. She hadn't realised she'd been getting charged & each time the charges were debited her direct debits went unpaid. She is unemployed with an 11 year old child & her benefits total approx £180 per fortnight.

 

I suggested she plead for a refund of charges as she must be a hardship case, due to charges taking huge chunk of her income & causing a cycle of charges resulting in charges. Anyhow, one call to head office & they immediately agreed to waive all of the charges due to be taken this month. Given how easily they agreed to waive these charges do you think I should go straight after a refund of the £250 charges they've already taken? They haven't offered to refund the charges she's already paid.

 

Your thoughts appreciated.

[rebel11]

Hi ap

 

Right to them see what they say, personalise it, don't use templates. Mention the low income and other related factors. If the final answer is 'no', take the matter to the FOS.

 

Heres some further info:- http://www.moneysavingexpert.com/reclaim/bank-charges