please suggest an end to this letter and tell me if you think that it is correct?? thnxx xoxox?

Question

Dear Sir/Madam,


I am writing to you concerning charges on my account.

I have been overdrawn once last month by £5.00 and was aware of it, so I made a payment of £35.00 straight away after being overdraft, thinking that this money will be taken by you, in order to repay my overdraft charge, and so was I told.

At my surprise, I went to my local branch (Kilburn high road) and deposit £70.00 but it has all been taken and I still had to pay £25.00.
I went to speak to a bank representative and they have explained that I have been charged £95.00 for being overdraft, and that the £35.00 I have paid in last month had not been taken at the time, and they kept charging me for that!

Now, how was I supposed to know that you do not take the money until the following month? As I was unaware of this, I find it unfair for you to charge me £95.00 for being overdraft by £5.00.

my email is : [e-mail]

Answer 1

Dear Sir/Madam (I would ring the bank and find the managers name)

Last month my account was overdrawn by £5 which I was aware of. To clear the overdraft I paid £35 into the account as soon as possible. I was aware that additional charges would be made on the account and assumed that £35 would more than cover the costs involved.

I recently made a deposit of £70 and was horrified to find that my account was still overdrawn and in fact I owed an additional £25 as the charge for the overdraft was £95.

I was told that it was policy to continue to charge me for the overdraft until the full amount had been paid, so the £35 I had originally paid into the account was not taken into account.

I consider the £95 charge to be unreasonable as the original overdraft amount was so small. I would be obliged if you would reconsider the amount charged. I understand that an unauthorised overdraft incurs a penalty, but not the amount you levied.

I would be obliged if you could reconsider the situation before I take the matter further.


Yours faithfully

Answer 2

I’ve re’written your letter in better English, and have added a suitable ending. Hope this succeeds!

Dear Sir/Madam,

I am writing to you about charges on my account, number .................

I was overdrawn once last month by £5.00 and was aware of it, so I made a payment of £35.00 straight away after being overdrawn, thinking that this money would be taken by you to repay my overdraft charge, and so was I told.

To my surprise, I went to my local branch (Kilburn High Road) and deposited £70.00, but it was all taken and I still had to pay £25.00. I went to speak to a bank representative, who explained that I had been charged £95.00 for being overdrawn, and that the £35.00 I had paid in last month had not been credited at the time, and they kept charging me for that!

Now, how was I supposed to know that you do not take the money until the following month? As I was unaware of this, I find it unfair of you to charge me £95.00 for being overdrawn by £5.00.

I look forward to hearing from you.

Yours faithfully

...................................

Answer 3

Take my advice and take your letter to your local Citizens Advice Bureau and let them advise you on the next course of action. I had a similar situation last year when my bank charged me excessive overdraft amounts, yet once the C.A.B. had contacted them, I got all the money back, which the bank said was a gesture of their good will.

Believe that and you will believe anything

Answer 4

Good letter, however; I think the last line should be overdrawn by £5. I would also replace the word unfair by unjust. End it with Yours faithfully (faceless faithfully)

One more thing I wouldn't put my e-mail address on public view.

Answer 5

your getting your 'overdraft' and 'overdrawn' words mixed up.

End by saying something like

" Please let common sense prevail, and refund me the charges levied in full. You can see I have made reasonable efforts to redress the situation, and I have no desire to escalate the matter further, but will do so in the absence of your positive reaponse"

Yours etc.

Answer 6

If you give me your email address I'll send you a copy of an official letter designed by the exparts. It will say a lot better than you can.

Answer 7

I would go with "Best regards". This seems like a letter of complaint, so I would go with "Sincerely" next. And since it is formal, do not say "Best wishes"!

***Just a little reminder***

When writing a closing with two words, such as "Best regards" and "Your friend", do NOT capitalize the second word! Just the first one. So "Best" and "Your"!

The letter sounds fine to me.

Answer 8

Its too muddle cut it down a bit and only add whats important

Answer 9

don`t bother with that crap.
get on the net to watchdog...they have been on about these money grabbing b@stards charging.!

Answer 10

sorry, but I don't follow it too well, I don't think you are English are you? It doesn't really make sense to me. No offence.