So just to get this straight
you went £50 overdrawn, or over you overdraft limit, and they have added a charge for doing this, thus taking your further over your limit?

Now my question is this, at what point did they draw your attention to this? For you to go over this limit you must have withdrawn the money, spent it on a card or a direct debit have gone out. I would argue that they shouldn't have allowed you to get this overdrawn.

I would also argue that they should tell you when you have reached your limit.
I would go to the banking ombudsman and to citizens advice.

Also to other posters, it is al very well and good to tell people to live within their limits, but it's just not always as easy as that.
( Mrs Entity is in hiding., Tue 11 Aug 2009, 9:37, 1 reply, 16 years ago)

Well what happened was
A direct debit bounced and I didn't realise so I put petrol in my car and bought some bread then two days later the bank backdated the first £190 "charge" for a bounced DD and me technically being overdrawn for a day until it was rejected. The £190 took me into -money (as I don't have an overdraft) but because I had spent money on petrol when the money was in my account that took me even more over so they started charging me again.

Also I pay like £20 a month for my account for reasons I can't remember now :( And because I'm now always 200 down from all these fucking charges I can't quite get back on the level.
( TGB checking Off Topic is still shit at, Tue 11 Aug 2009, 9:44, Reply)

These "premium" current accounts really singe my ballhairs
90% of the time, they're just not worthwhile - you can normally pick up the extra benefits they provide (roadside assistance, travel insurance, etc.) cheaper individually elsewhere, and they really are a license for the banks to print money.

If you're on a limited budget - £20 a month is potentially a lot, and as Banks are supposed to "know their customers", they should know you couldn't afford to have that. If you're going to have an argument with the bank at somepoint, I'd keep that in your back pocket (i.e. so why did you also sell me this?).
( Fireflier La la la la, not listening on, Tue 11 Aug 2009, 10:18, Reply)