Grrrr BANKS!!!!!

**Mrs D** · 23rd October 2006, 08:32

Okay, now I am REALY pi55ed off!!

Also reckon may well be needing Plasma's thread on recovering bank charges.

I get paid on Wednesday, and having just been online, have realised that, due to an 'administrative error' (i.e. I can't add up

) that as of close of business tomorrow night I shall be the mind blowing sum of 16p overdrawn.

Because I am a good girl, and try to avoid this, I am more than happy to run down to the bank and deposit the offending amount into the bank today and prevent aforesaid economical disaster, courtesy of my piggy bank.

However, I decided I would call the bank anyway and see how the land lies, explain the getting paid the following day scenario,and see if they are as friendly a bunch as they lead me to believe in all the paperwork that falls through my letterbox.

Conversation goes like this:

Me: I am ever so sorry, I have realised that I shall be briefly overdrawn, by 16p the night before my wages go into my account. I do apologise, I am just calling to see what the financial implications are of this.

Bank Lady: Well, you will be charged £25 for going overdrawn, and an additional £35 for any payments which are not honoured due to you being overdrawn.

Me: Honestly? For the sake of 16p??

Bank Lady: Yes, it is our policy.

Well, bu99er me!!!!! Fortunately nothing else goes out till after I get paid, so no great disaster - but she then tells me that she can actually see my wages on their way in at the moment, but would still charge me for going over!!!!!!!

Is it just me, or is this completely batty?!?!

Off to bank to deposit exactly 16p into the bank. Well, it's the principle!!!!

)

**ed taylor** · 23rd October 2006, 08:39

I would tell them that if they do not give you the £25 plus the £35 back that they say they are going to charge you, you will close the account and take it else where... who do these banks think they are, they seem devoid of common sence.

**Triple Trouble** · 23rd October 2006, 08:43

Mrs D, go after them for all your charges as I said in my thread. You will get every penny back.

**mycarsavectra** · 23rd October 2006, 08:44

Methinks a threat of a change of bank is called for here....that's scandalous, no wonder your raging..

**Harry** · 23rd October 2006, 08:49

i'd be fuming Louise!! i can't believe they turned you down!!

i'd go in and see the manager and tell him to stick the account up his @rse if he doesn't step in and have the charge dropped! it's even more ludicrous because they can actually see your wages are on their way!!!

**Elite2.2DTi** · 23rd October 2006, 09:00

that is just crazy isnt it. i think that i'd be p*ssed too.

**Duncan** · 23rd October 2006, 09:19

Originally Posted by Mrs D

Is it just me, or is this completely batty?!?!

Not batty - sheer bl**dy mindedness!!

Originally Posted by Harry

i'd go in and see the manager and tell him to stick the account up his @rse if he doesn't step in and have the charge dropped! it's even more ludicrous because they can actually see your wages are on their way!!!

What he just said!

**The Doc** · 23rd October 2006, 10:38

Ask to speak to someone when you go in and explain what a pointless waste of time this is....

**plasma** · 23rd October 2006, 19:02

Hate it when banks do this.... Chat to the bank manager and if he says no then just say I dont this is fair blah blah, these charge look to be a penalty to me and you shall be hearing from me. Then off you go to www.penaltycharges.co.uk drop them a LBA (Letter Before Action) onto their doorstep and watch them poo themselves..

****** banks

**grumpano** · 23rd October 2006, 20:51

Same happened to me some time ago,so i changed banks and got me a nice overdraft incase of any more mistakes.So dont be English and tell em where to shove it!