Bank theft me: My bank took 76£ from my account unfairly : what can I do?

Question

Bank theft me: My bank took 76£ from my account unfairly : what can I do?

My bank put charge of 38£ on my account because there was not enough money (2£, i didn't realized)
when my gym asked payment (1 October).
The bank didn’t lend me money. So the bank without do anything took this money like penalty.
But this is nonsense, the bank didn’t have damages or injuries if my gym don’t receive the payment, I think that this clause is unfair and unlawful.

On Monday 15 gym did application again ( 1 for the payment of fee and also 15£ for the late payment).
That day at 2 p.m. I went to put money.
But the bank told me that it was too late (their rule) and I had to pay again 76£ of charge like penalty. (38 + 38 because about the 2 application of gym).

So only because I didn’t have 2£ in my account the bank took 76 again , without to pay gym.
The bank didn’t have injuries if I didn’t pay my gym
And didn’t lend me money.

So that is very unfair. And almost unlawful.

It is Westnat.

Answer 1

You need to do 2 things
1 - Learn the correct name for your bank - NatWest ??
2 - read http://www.moneysavingexpert.com/reclaim/bank-charges

Answer 2

Look carefully on the net for a British internet site that gives advice on cases like yours. As I am not in the UK and have never lived there I can't help you and I do not know whether they can either. I do not know the URL but I know it exists, or at least existed until recently. It was set up by a man whose story was something like yours but far worse. He read up on contract law and found the banks cannot legally expect payment for some of the fees they charge. According to him he has since cost the banks many thousands, perhaps millions.

I have had a look but can't locate the URL for you. I did see it a few months ago but as I am not in the UK did not take much notice. It was listed or referred on b3ta question of the week but there are thousands of stories there.

Try searching something like "overdraft fees".

Answer 3

Same happened to me. I am with Halifax and I went below £0 and they charged me £28 "un-autherised overdraft charge."

There is no way you can get out of your bank charge other than this.

This is what I did: I called my bank and asked for an autherised overdraft of £200.

This is a good idea for you because a) you can pay the bank what you owe and, b) the gym gets the money that it wants.

Keep your overdraft until your finances even themselves out, as in your payments don't go over what you have in the bank (over £0.00). Then when you've sorted yourself out you can cancel or keep your autherised overdraft.
But I would advise to have an overdraft because it comes in handy when you're short on cash and you have bills to pay.

Hope this helps.

Answer 4

Look at Martins Money Matters on the web. He has info about banking and how people are getting money back from their bank for over charging them.
Good luck

Answer 5

Banks are Wankers ! Im with Lloyds TSB and there just the same . Scamming peoples money . Just go over your limit and take there money like they have you , Go to a Shop and go over Drawn and get a new Bank :)


My bank have Robbed loads of money from me ! So i just went Bankcrupt to piss them off . They can shove there 30K up there *** ! X

Answer 6

But it's not unlawful. If you don't have an agreed overdraft set up they are within their rights to do this. I agree with you 100%, it is a form of robbery & until somebody manages to win a court battle against them they will carry on doing this.

Answer 7

You couldn't pay your gym bill and you didn't have an arranged overdraft. You should read the small print some time - it makes interesting and informative reading.
The bank was perfectly entitled to charge you for going overdrawn without permission.
People like you make me so cross. I never go overdrawn - because I watch carefully what I spend and when I spend it.

Answer 8

Contact your local Citizens Advice Bureau for legal advice