Overdrawn for a few hours

[Stillborn Crisps]

I have luckily only been charged a few times for going overdrawn, and only once in the last six years.

 

However, this one instance was just for a few hours (overnight while the banks were shut, when my online payment wasn't processed till after a direct debit had been taken). Grrrr. Was I cross. I complained but they obv didn't wanna know.

 

I've tried searching using my online account but can't find the date it happened - it was well over a year ago.

 

I've got all my old statements for several years, but not sure what I'm looking for - what do they refer to it as? Is there a typical amount it would be for? (I think it was £25 or so)

 

I know it's only a small one, but if I can inconvenience them with a stupid petty claim, I will! ;-)

[Rooster-UK]

That would be a "PAID REFERRAL".

That's the one that cost £25.00 a year ago. It went up to £30.00 about 6 weeks ago.

 

They've caught me a few times like that.... Debits go out first thing in the morning..... Credits are paid to your account at the end of the day.Obviously, the logic behind this is try to drop your credit balance as low as they can, then as soon as it becomes a debit balance, they can sting you.

[Stillborn Crisps]

Brilliant, thanks for that.

 

I've had a quick peek through my statements and cannot find it. :-/

 

I'll have a second look. I know I'm missing the odd one or two - what's the betting it's from one of those!

 

Over at the LloydsTSB forum someone's found you can search up to three years back for these things online. No such luck with Barclays. Maybe it's time to swap banks.......

[Stillborn Crisps]

I searched and searched and couldn't find this Paid Referral, but I noted I had two statements missing. Bet it's on those.

 

So I went in to Barclays today and asked for copies.

 

Although there's a £5 charge for this, I found out that if you tell them you never received them they waive the fee. Always good to know!

[Stillborn Crisps]

This topic was closed on 10 March 2019.

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