my girlfriend owed money on her overdraft at her bank but had no means of getting there to pay in money so she phoned the bank and made a payment of £50 on my bank card when i recieved my statement a few days later £154 had been taken by her bank when she phoned to ask why they said she had no proof of ammount agreed i have been charged a £30 overdrawn charge is there any way of sorting this this in my eyes i concider theft
2006-10-09 07:17:40 · 16 answers · asked by lickiz 2 in Business & Finance ➔ Personal Finance
i was with my girlfriend when she used my card and the phone operator said she could give my details but when she phoned today they told her they dont monitor
phone conversations when she asked to speak to a supervisor she was told he was out to lunch and would ring back still waiting
2006-10-09 08:46:55 · update #1
kick up big amounts of stink u shouldent have to pay the overdrawen charge coz it wasent ur fault the bank has baisicly stolen from u, if they dont want to refund u tell them ur going to ur lawyer and ur going to call the papers and get them serious bad publicity this should make them think twice about fooling with u
2006-10-09 12:10:42 · answer #1 · answered by Anonymous · 1⤊ 0⤋
As the card does not belong to your girlfriend. You have a legal right to ask for a refund of the extra money paid. All calls made to bank call centres are monitored but calls made directly to the bank are not. You should put this in writing to the bank as this makes it an official complaint. You agreed a sum of £50 to be taken and your girlfriend would of informed the bank of this. It is irrelevant if they have proof of this or not.
2006-10-09 19:14:35 · answer #2 · answered by Tabbyfur aka patchy puss 5 · 0⤊ 0⤋
Thats the chance you take each time you use a debit or credit card. You have no evidence that the request was for only 50 pounds but on the other hand the bank has no evidence that this was not an error on the part of the advisor. The team leader out to lunch is a regular cinario in call centres and the only way to deal with it is to refuse to hang up until you have spoken to one. even if they agree to refund it to your card it can take up to 3 weeks to deal this. just go to the bank and draw the excess amount out in cash. If the full amount did not go to the account then this is fraud and the first place to go is the police for a crime number.
2006-10-09 18:41:25 · answer #3 · answered by Anonymous · 0⤊ 0⤋
This is out of order. Ring up your credit card company accompanied by a letter and tell them the Bank was out of order and withdrew more than agreed amount and file a case with the credit card company. Legally they have to investigate this matter, the banks have to look after their reputation too so it will be a good chance it will go in your favour. Also claim the £30 from the bank that you have been charged.
2006-10-09 14:27:57 · answer #4 · answered by Logic is Limited to thought 2 · 0⤊ 0⤋
Your girlfriend will have to make an official complaint with her bank first before you can go to the ombudsman, this is because they usually want the bank to sort things out for themselves but if you are not happy with the outcome then you can go to the ombudsman. Totally agree that it is out of order. Sometimes it is better to go into a branch to sort these things out and if they tell you to phone anyone, tell them no or ask that they get in touch with the relevant department on the branch phone if if needed you will speak to them.
2006-10-10 03:45:48 · answer #5 · answered by lexie1 2 · 0⤊ 0⤋
I would get a financial ombudsman to investigate the bank - the bank can't legally do this.
The ombudsman is free to you BUT (here's the good bit) it costs the bank thousands to be investigated. THOUSANDS HAHAHA!
You can get in contact with the ombudsmen via the citizens advice bureau.
Often the bank will drop the charges if you get the ombudsmen in as unless they get you to call off the investigation they will be out of pocket by a large amount!
Good luck!
2006-10-09 14:30:25 · answer #6 · answered by monkeymanelvis 7 · 0⤊ 0⤋
Write to the bank explain the circumstances and the apparent unfairness of the situation also point out that you did not agree to any additional withdrawls. If all else fails tell the bank you will go to the financial services ombudsman
2006-10-09 14:23:35 · answer #7 · answered by Anonymous · 0⤊ 0⤋
banks steel from us every day, they rewrite the rules every day, but at the end of the day they can black list us if they want so basically they have you by the balls. all banks are thieving b*st*rds you'll never change that. i once saw a documentary on the way banks charge A.P.R and that suggested that they charge more than the %age they claim but nothing ever gets done about it as they have the power.
2006-10-09 14:39:47 · answer #8 · answered by dublover 2 · 0⤊ 0⤋
charge em $50 a letter every time u phone THEM
2006-10-09 14:57:12 · answer #9 · answered by ? 4 · 0⤊ 0⤋
I would put a complaint in.. Does your girlfriend now when this was paid as they are supposed to record all calls.
2006-10-09 15:22:31 · answer #10 · answered by Anonymous · 0⤊ 0⤋