News0 min ago
charged for going over my o/d limit
3 Answers
I went over my o/d limit by �500 and the bank has charged me �180
The bank did not notify me when I went over my limit only went it was over and it reached �500 then my card was refused in the shop.
I rang my bank and asked them why they did not stop my card when it went over my limit and they said
1) customers should keep a check on their account and I said yes but because my card as being accepted in the shops I assumed I was within my limit.
they said they give customers time to get back to their limit thats why they don`t tell them they have gone over.
I said they should have told me.
�180 is a lot of money to lose to the bank. Is it possible to dispute this has I should have been notified earlier about being over my limit and my card should have been stopped?
Thanks will be very grateful for any feedback.
The bank did not notify me when I went over my limit only went it was over and it reached �500 then my card was refused in the shop.
I rang my bank and asked them why they did not stop my card when it went over my limit and they said
1) customers should keep a check on their account and I said yes but because my card as being accepted in the shops I assumed I was within my limit.
they said they give customers time to get back to their limit thats why they don`t tell them they have gone over.
I said they should have told me.
�180 is a lot of money to lose to the bank. Is it possible to dispute this has I should have been notified earlier about being over my limit and my card should have been stopped?
Thanks will be very grateful for any feedback.
Answers
Best Answer
No best answer has yet been selected by Kiera. Once a best answer has been selected, it will be shown here.
For more on marking an answer as the "Best Answer", please visit our FAQ.How was the �180 made up?
Is that one charge or a series of charges?
How long were you overdrawn and by how much?
Unfortunately, the bank is right about you keeping an eye on your account. I have to admit, I do keep a note of how much I have coming out and how much is in there. �500 is quite a lot of money to assume you have.
Is that one charge or a series of charges?
How long were you overdrawn and by how much?
Unfortunately, the bank is right about you keeping an eye on your account. I have to admit, I do keep a note of how much I have coming out and how much is in there. �500 is quite a lot of money to assume you have.
this has happened to me, it will be a charge of 30 - 40 quid for every dirct debit that has come out.
If you have never had any charges dropped before i would go into your branch and explain that �180 is a lot of money that you cant afford and they should reduce/reinburst the charge as a good will gest, my bank did, however if you have charges re inburst to you before dont bother.
If you have never had any charges dropped before i would go into your branch and explain that �180 is a lot of money that you cant afford and they should reduce/reinburst the charge as a good will gest, my bank did, however if you have charges re inburst to you before dont bother.