Banks/Bank charges - whos best?

[binge]

Well yesterday my phone bill came out, And I didn't realise but the phone insurance came out too, Which took me to just inside my overdraft limit.

I thought there was still quite a bit of dosh in there, So ive made 4 transactions, 2 for petrol (bike and car), and one for Some food for the house etc.

I get paid tomorrow, Ive just checked my online banking and found out Ive gone past my over draft limit.

Not too much of a problem, Just transfered £500 out of my savings account to get it back into credit.

I took a trip to the bank, And they are now going to charge me £140 (£35 per transaction while over the limit), and then a following £20 admin fee.

So thats £160 bank charges, ALL coming out on the 9th July weather ive got sufficient funds or not.

I asked if they can take like, Half this month half next. But all they offered was to increase my over draft limit.


Err, I thought Banks were there to help.


So im with Halifax, I'm just wondering if there are any better banks out there who aren't such cunts when it comes to bank charges?



Ben

[MarJay]

[binge]

Im back in credit now ive transfered money out of my savings. I was just trying to hold out until tomorrow (pay day).
But meh, I just thought £35 per transaction was a bit steep.

[Graham88]

So it cost you about £45 to fill up your CBR, that's more than my car

[stinkwheel]

[Scouse]

I've just had the same problem with Lloyds TSB, I didn't quite have enough in to cover an outgoing payment (literally 50p ish short). They charged me for not being able to send the payment which then sent me into an un-authorised overdraft which they then charged me for and then charged me a third time for my unauthorised overdraft going further

So around £143 in charges all in one day, and would they write off a penny of it....would they fuck! Two guys stood behind the woman I was talking to laughing when I was trying to sort it out and telling them that I hadn't recieved any letters to inform me.

Halifax and RBS are crap for this kind of thing too, but then RBS are pretty easy going and usually write them off as soon as you explain why it's happened.

[binge]

I just cant believe how steep the charges are.

I can understand a fixed payment for going over the agreed overdraft limit.

But then to charge for each and every transaction, Weather it is £1 or £1000. They take £35.
Its a piss take.


ah well, my girlfriend suggested nationwide to me. Still not really sure, might have to go in and have a chat at my local branch.

[Chriss]

[stinkwheel]

I should add that when I call the number at the top of my RBS bank statement. The phone is answered by a member of staff at my own branch.
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[binge]

[trevoriv]

Natwest for the win.
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[ncrn]

Nationwide did once charge me £35 for going £35 over, to be fair the account had no overdraft but still a steep cost. On the up side they waited till I had enough in the count till they billed me.
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[tutton]

+1 for Natwest!
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[Jrod]

Barclays.

I've never paid a single fee and lord knows i went overdrawn loads when i was a younger.

I used to go down to the branch and talk some shit "I was ill and couldn't get down to pay money in" etc.

[binge]

[iooi]

First Direct

Talk to real people who understand you needs.

Highest customer satisfaction of any bank in the UK, most recommend by its own customers.
What more can i say

Pretty sure the max you can be charged in 1 month in fee's is £150.
If this is the 1st time you have gone over your limit, i would be asking nicely for the charges to be waived, say that as soon as you realised you transfered cash from savings to cover shortfall, rather than leave it over limit. If they refuse then say you are closing your account and going elsewhere.
Often that last line will work.
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Just because my bike was A DIVVY, does not mean i am......

[binge]

I tried it all today. It lead form a formal discussion to a stand up argument in the middle of the bank.
I wouldn't mind but I was at the "Financial Advice" desk too. And all she could say was "Well Mr Riley, I could increase your overdraft for you".

Fucking slag.

[Paivi]

[chris-red]

HSBC are brill, I have been over my overdraft a few times and they either do nothing you call you and ask you when you next get money in and they have always been satified with my answers (Usually a week or 2) I have never been charged by them.
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[Tristan.]

I went 7 quid over my HSBC overdraft a few months ago, came home to look up on the internet what the charge should be, far as I could tell HSBC charge you the amount you went overdrawn by, with a cap of 15 quid, so go 50p over and they'll charge you 50p.

Went and paid a tenner in the next day and I never got a bank charge anyway.

My student overdraft isn't as big as some of my friends though, not that thats important, since it's their money not yours.

[trevoriv]

[Shay HTFC]

[_Will_]

I've rang halifax before about going over my limit (well 3 times) and got them removed.

They were pain in the arse ones though like the debit being taken out at midnight and my wages going in about 4 hours later and me being charged for being outside the limit

If its the first one call them up, you can usually get them taken away.


As an aside - Has that verdict about bank charges come out yet?
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[Rookie]

I've had my Halifax account for 2 years now and because I was a dirty student they've probably had 4 figures off me in charges. The downside is you won't be seeing that money any time soon.

The upside is that once the high court case is done with (they have been fighting the Consumer Action Group or whatever it is) around the start of next year, provided the banks lose they will have to pay you back every penny, plus 8% APR. Bargain.

[r1_lad]

I'm with Natwest and think they're okay. I used to get quite a lot of charges but these days I'm a lot better with my money so it's not such a problem. I know on occasion they've halved the charges when I've phoned up. They also have a really nice online banking system (compared to HSBC's crappy one anyway!).

About 6 months ago, I claimed back over £4k of charges from Natwest for the last 6 years.

Great thing was, I realised after they'd paid the claim in full that I'd accidentely claimed all of my overdraft interest and Advantage Gold (£12/month) charges as well!

Did they notice? Did they fuck!
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