that was due yesterday (i really really did forget the date and so there wasnt enough money in to cover it) now they say i have to pay the standard 39 pound charge.
i rang them and they said as goodwill they could stop the charge but unfortunately this happened 2 ande a half years ago also so they wont stop it-is there anything i can do or is it just tough and ill have to pay it-please help if u can thanx
2007-06-02 04:13:29 · 11 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
i mean they also charged me 2 and a half years ago for a direct debit charge
2007-06-02 04:20:39 · update #1
ive read this and see that your sayin it happened now AND 2 and a half years ago.... Question to you is.... how can they remember that this happened?? unless thier system holds on a file all the chgs you have had which i doubt as i work for a bank and we can only see back upto one year from the month we are in. Did they refund the chg 2 years ago? has your account maintanence been in check since then? have you had chgs for anythin else, ie overdrawn chgs, card misuse? if not then i wouldnt see why they cant refund it. they normally refund a few then advise the customer that this would be thier final goodwill. Also if they said they would refund it then they should can u remember who you spoke to? make it an official complain as an oversite on your part and that u were told it would be refunded. you can only try again. if they say no, speak to the manager. it is at thier discretion if they refund u
2007-06-02 12:34:47 · answer #1 · answered by xrazberix 2 · 0⤊ 0⤋
You could try ringing again, telling them you aware there are various you can go down to claim your charges back, but it would save everyone time and effort if they reversed them for you, seeing as the last time this was done was 2 1/2 years ago. They may then do it.
To be honest with you, for £78 in charges its not worth going down the claims route, although if you have any more than the 2 charges in the last 6 years, it would make it worthwhile.
My site below has detailed step by step guides to the process of claiming your bank charges back, along with template letters and spreadsheets. It also has the latest bank charge news and developments, and forums for one to one help and support.
The site is free to use!
2007-06-02 09:43:52 · answer #2 · answered by Anonymous · 1⤊ 0⤋
Two and a half years ago? Well I'm sorry to say that there is no bank out there that will refund a charge that happened that long ago. Generally you have approximately 90 days to dispute a charge that was made against your account. Sorry I wasn't able to help.
2007-06-02 08:29:16 · answer #3 · answered by Fatimah 3 · 0⤊ 1⤋
You need to keep a better track of the expenses that you pay out of your bank account. I've owned bank accounts for over 18 years; it took only one overdraft charge to get me motivated, and I've never had a problem since.
-Check your balance more frequently, at least once a week.
-Get into the habit of anticipating (over a month's time) your expenses vs. what you might deposit.
-Use a spreadsheet program to track your expenses. You might have such a program installed on your computer right now.
2007-06-02 04:41:58 · answer #4 · answered by DAMON K 1 · 0⤊ 0⤋
Rules are rules and you are expected to abide by them.It is your fault for letting your balance get so depleted.You should plan for there always being enough in your account to meet your commitments and then also allow a safety margin of say a couple of hundred pounds to allow for emergencies.I try to never let my current account balance ever drop below £600 so I know that all my commitments will be met.
2007-06-02 04:24:35 · answer #5 · answered by Anonymous · 0⤊ 0⤋
1: Letter on line? are you sure it really was from your bank? and not a phish attempt
2: 39 seems a bit steep. People have successfully challenged these sorts of charges.
2007-06-02 04:24:22 · answer #6 · answered by The original Peter G 7 · 0⤊ 0⤋
I forgot my call - plenty plenty hate on blood on the dance floor basically for there look and there message approximately Sexual issues. i think of there ok. they have a stable message that there sending out to everyone. i'm now going to get a team of dislikes. the 1st element that is composed of my strategies is my call. Jesse
2016-10-09 07:43:57 · answer #7 · answered by ? 4 · 0⤊ 0⤋
sadly theres nothing you can do now exept pay it i have been stung with a £100 charge for exactly the same reason so your very lucky it's so little.
2007-06-02 04:17:08 · answer #8 · answered by Anonymous · 0⤊ 0⤋
well if it was due yesterday how could it have happened two and a half years ago?
.
2007-06-02 04:18:00 · answer #9 · answered by Anonymous · 1⤊ 1⤋
'fraid so - you have to pay. Otherwise mugs like me - who don't go overdrawn - end up paying in the form of rubbish interest rates. Why should I pay for your incompetence?
2007-06-02 04:19:05 · answer #10 · answered by Anonymous · 1⤊ 2⤋