Bank charges

[chelsea_girl]

My bank refused to pay my mortgage due to insufficient funds, then 2 weeks later took over �300 as punishment for not having the cash there to make the mortgage payment, which was an oversight on my part, as more than one direct debit came out on same day. Is there a bank regulator because this was not fair, as if I didn't have the money for the mortgage, and they refused it, then they shouldn't have withdrawn the money that also was not there, for their own benefit.

[Ethel]

What exactly is this �300? What are they calling these charges?

Have been late paying your mortgage before?

[chelsea_girl]

�280 charge for returned direct debit,�30 for an overdraft excess fee which i accept entirely, and �7 account charge.

[chelsea_girl]

never been late before paying mortgage.

[Ethel]

That �280 is charged from your current account?

Which bank is this?

[chelsea_girl]

cheque account, its lloyds tsb

[Ethel]

They've made a mistake - their charge for returned direct debits is �30.

Phone them up.

[chelsea_girl]

thanks will do

[Ethel]

How did you get on with the phone call?