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Hi all
As you know the current financial crisis was caused in the main by the greed of the banks and it is us tax payers that have had to bail them out.
Imagine my face when I receive a letter from them telling me my account has gone 27p overdrawn and they are going to charge me £15!!
I have written a letter of complaint - but this is a joke. If the money isn't there then dont authorise it!!
I'd say it's time to change your bank - probably find one that will pay a lump sum to get you to join, that'll more than cover the charge. Banks tend to rely on customers not bothering to change - I stayed with mine for 30 years before they double charged for an error I made (i had the money available, but in the wrong account) and made me change, and saved me quite a lot since - they lost out in the end, not me.
Take a look at the moneysavingsexpert website for advice on which are the best to go for.
hi supermario,
ouch.
I guess this is happening to loads of us out here in normailty.
Had you thought about approaching the manager and briefly discussing it? It at least gives them the opportunity to let you off the charge. Ask if they have a free £50 or £100 overdraft ....
I went overdrawn a little bit many years ago and I was even told that they had a free £100 overdraft facility that I could have used - if I had requested it beforehand!!! (and 'no' they wouldn't waive the charge).
Along the same lines as actd I moved all my accounts from them and have mentally blacklisted them as having low common sense and short sighted attitude.
Some banks are listening to customers on this... my current bank will email or text you when your account goes into the red so you can quickly pay money in on the same day and prevent the problem 🙂 - that has already saved me once!
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From another angle I guess banks are scared to get us to pay a fee just to own a current account (instead of stinging us with large charges for one hiccup).
>mentally blacklisted them as having low common sense and short sighted attitude
Very much so in my case - and bearing in mind that the bank I moved from was not only one I had been with for over 30 years, but had worked for them for 8 years, so had a fair bit of loyalty to them. Not only did they lose my account, but also that of my 3 children - one of who was a student, one is about to become one, and those are the accounts that they normally spend a fair bit of money trying to attract.
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