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18th June 2008, 10:24pm
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#1 | | John Ringo
Join Date: May 2002
Posts: 12,863
| Pence Over Overdraft Limit - Refund?
I recently went over my overdraft limit by £0.24p. 24-fucking-pence. And I've been charged £20.
I get paid tomorrow aswell, which makes it worse.
Think it'll get waved off if I threaten some cunts? | 
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18th June 2008, 10:25pm
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#2 | | Go with the flow.
Join Date: Mar 2005 Location: avec moomaw
Posts: 31,041
| Re: Pence Over Overdraft Limit - Refund?
If youve never had any before, you'll get it anyway I reckon.
Bank you with?
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18th June 2008, 10:28pm
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#3 | | Vibrouk2003
Join Date: Aug 2003 Location: The same place
Posts: 18,986
| Re: Pence Over Overdraft Limit - Refund?
Every bank's different, but say you where with us. If you had no charges in the last 12 months then we would waiver it for you. Because it is such a small amount.
Is it just a flat fee of 20 pounds? | |
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18th June 2008, 10:28pm
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#4 | | John Ringo
Join Date: May 2002
Posts: 12,863
| Re: Pence Over Overdraft Limit - Refund?
BoS, recently got 2 removed cause I must have a sexy phone-voice.
It's 24 fuckin' pence though, from a total transaction of £4.77.
Surely it's a matter of common sense. | |
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18th June 2008, 10:29pm
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#5 | | Vibrouk2003
Join Date: Aug 2003 Location: The same place
Posts: 18,986
| Re: Pence Over Overdraft Limit - Refund?
How did you go overdrawn? debit card transaction? | |
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18th June 2008, 10:30pm
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#6 | | Go with the flow.
Join Date: Mar 2005 Location: avec moomaw
Posts: 31,041
| Re: Pence Over Overdraft Limit - Refund?
Ring them, kick up a fuss (politely) and if you dont get them back ask for a manager etc.
Hope ye get it sorted.
__________________ Quote: |
She's built like a steakhouse, but she handles like a bistro.
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18th June 2008, 10:32pm
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#7 | | John Ringo
Join Date: May 2002
Posts: 12,863
| Re: Pence Over Overdraft Limit - Refund?
Quote:
Originally Posted by Warped  How did you go overdrawn? debit card transaction? | Aye, yesterday, a total transaction of £4.77, 24p went over. 2 days before payday. Quote: |
Originally Posted by Bunnylingus Ring them, kick up a fuss (politely) and if you dont get them back ask for a manager etc.
Hope ye get it sorted. | What if I went into a branch and clobbered them with 24 pennies? | |
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18th June 2008, 10:34pm
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#8 | | Vibrouk2003
Join Date: Aug 2003 Location: The same place
Posts: 18,986
| Re: Pence Over Overdraft Limit - Refund?
Well you might get it back, just be straight forward about it. If you go mental they can just say it is in the terms and conditions when you opened the bank account that they can charge you. Plus you shouldn't be spending money you don't have, i only say that tho when customer is being a right cock about it.
Like i said because it is only 24p that helps you big time. | |
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18th June 2008, 10:38pm
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#9 | | John Ringo
Join Date: May 2002
Posts: 12,863
| Re: Pence Over Overdraft Limit - Refund?
cheers guys, I'll jump into town tomorrow. | |
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18th June 2008, 10:39pm
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#10 | | Vibrouk2003
Join Date: Aug 2003 Location: The same place
Posts: 18,986
| Re: Pence Over Overdraft Limit - Refund?
ask for a bigger overdraft aswell. 
and a credit card.....and a loan. | |
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18th June 2008, 10:42pm
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#11 | | John Ringo
Join Date: May 2002
Posts: 12,863
| Re: Pence Over Overdraft Limit - Refund?
Nah, I think if I do they'll deny me for going over too often, and for not being the student the account says I am  | |
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18th June 2008, 11:01pm
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#12 | | Sparkles!
Join Date: May 2001 Location: Near a beach
Posts: 8,375
| Re: Pence Over Overdraft Limit - Refund?
Just say to them what's happened, be polite, and if you get someone with a bit of sense they will probably roll their eyes at what's happened and say no bother....if NOT - go on from there...
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18th June 2008, 11:07pm
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#13 | | Better not to err
Join Date: Apr 2002 Location: Glesgae
Posts: 28,739
| Re: Pence Over Overdraft Limit - Refund?
Be polite (I find it very hard to be polite to banks as I'm coerced from all sides into using their services and often find it hard to disguise my disdain for them.) and you shouldn't have a problem. If you think someones just being a cunt because they can't be bothered doing anything about it (This does happen regularly, sadly.) ask to speak to someone else.
No offence to anyone that works in a bank, least you're not a debt collector. | |
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18th June 2008, 11:10pm
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#14 | | Sparkles!
Join Date: May 2001 Location: Near a beach
Posts: 8,375
| Re: Pence Over Overdraft Limit - Refund?
*looks away and whistles*
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18th June 2008, 11:13pm
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#15 | | Better not to err
Join Date: Apr 2002 Location: Glesgae
Posts: 28,739
| Re: Pence Over Overdraft Limit - Refund?
Okay, at least you're not a death camp commandant. | |
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