2006-09-05 05:32:53 · 17 answers · asked by Raymondo 1 in Business & Finance ➔ Personal Finance
Definitely complain, but be careful how you go about it. Remember that the people who work in the bank most likely aren't responsible for it and it was probably a computer that 'selected' you for an upgrade. Try and play it cool, but assertive.
Unfortunately, banks have a nasty habit of telling you that they are going to do these things in a sneaky way and it's entirely possible that somewhere, somehow, you unwittingly agreed to this. Therefore, being nice to the person you speak to is a smart way to get what you want (your money back) - rub them up the wrong way and you'll get nothing.
From experience, if you ball-out a person in a bank and then threaten to take your business elsewhere, they will be more than happy for you to do so (and then you'll never get your money back).
2006-09-11 07:31:33 · answer #1 · answered by Tom W 2 · 0⤊ 0⤋
Close the account and move to a free account with another provider. Meantime kick up a stink. Make sure you follow the complaints process outlined on their website. Then, if you don't get the answer you want, write to the chief exec (you will find their details in the corporate info. section of their website). If no joy there, you might want to consider the financial ombudsman as a last resort.
2006-09-05 15:27:24 · answer #2 · answered by trickypearce 1 · 1⤊ 0⤋
it depends how it came about
if you are with the bank im with ans u had a student account, its then upgraded to a graduate account after a year of being a graduate it is changed to the equvilent current account witch is an account with a chg attached
if you had a normal current account and they upgraded then they they need to downgrad it as you have not signed the authority
ask to raise it as a concern. also as they have upgraded without authority they need to refund the monthly fee for however long you have been paying it,
2006-09-09 14:58:42 · answer #3 · answered by xrazberix 2 · 0⤊ 0⤋
Complain to the bank and if that gets you nowhere complain to the banking ombudsman.
The contract you originally signed will state that they can upgrade your account at any time but the practice is highly dubious and frowned upon.
2006-09-05 12:36:49 · answer #4 · answered by Bob-bob 3 · 1⤊ 0⤋
go on to a website called fool.co.uk in the search engine type bank chgarges all the information is there. you can then start proceedings against your bank and get back every penny that they have charged you
2006-09-11 08:52:33 · answer #5 · answered by vickiebeeeeeeeeeee 1 · 0⤊ 0⤋
First take it up with the Bank Manager and if that proves fruitless, threaten them with the Banking Ombudsmen. If they still won't do anything .. GO to the Ombudsman.
2006-09-05 12:39:07 · answer #6 · answered by Anonymous · 1⤊ 0⤋
Cancel the account and find a more reasonable bank.
2006-09-05 12:39:15 · answer #7 · answered by groomingdiva_pgh 5 · 0⤊ 1⤋
Write to them and tell them you did not agree to this and to return any money taken immediately.
Contact the Banking Ombudsman if they do not return it within 14 days.
2006-09-05 12:39:59 · answer #8 · answered by arealhighlander 3 · 1⤊ 0⤋
Go immediately to your bank and tell them you do not want their upgrade. Tell them if they do not return your account to it's original state you wish to withdraw immediately and will deposit elsewhere.
2006-09-08 08:14:10 · answer #9 · answered by Anonymous · 0⤊ 0⤋
Change to another bank and you will save more than you have lost.
2006-09-05 13:15:35 · answer #10 · answered by windcomes 1 · 0⤊ 0⤋