Bank Charges

[Chopper]

Just had an absolute hoot of a telephone call with my bank...

Some background:
1. bank is changing from visa to mastercard for its in house credit card
2. bank takes £2,000 from my account and pays it onto my visa credit card to give me +£2000
3. bank takes £2,000 from my visa credit card and pays it onto my un-received new mastercard
4. i get overdrawn and incurr £60 in charges so that they can write to me and tell me im overdrawn
5. 2 weeks later i get my £2,000 paid back into my account
6. 4 weeks later i receive my new mastercard credit card
7. bank charge finally appears on my statement
8. i phone bank and get passed from pillar to post
9. i visit small branch and get passed from piller to post
10. i visit big branch and speak to manager and get £60 back and the interest rate on my loan reduced
11. bank charges me the aforementioned £60 in charges again this time to credit card

And then the fun began, i phone bank and asked to speak to a manager, i then calmly explained the whole issue again, and request that the £60 be refunded for a second time. i then inform the manager that although she has agreed the bank are in the wrong and that i could have my £60 back, that i am charging them a further £60 for making an error that caused me to call them, and visit them twice, and yet another £60 for making the same error again that caused me to phone them again. i then calmly stated its not one rule for them and another for me, if they can charge me £60 twice for sending out 2 letters then i can do the same and charge them the same for the phonecalls i had to make...

To which the manager chuckled and gave me £60 + £120 for my audacity and good sense of humour and calmness in dealing with what essentially was a complete balls up on their behalf. havent stopped grinning yet lol.

[alsenior]

Good man. making them feel what it is like to be a customer

[Agent]

Top stuff mate

[acrobat]

Thats great =)

[greenalien]

Well done!

On the same topic, I've recently had a couple of phone calls from firms I have never heard of, asking me if I've incurred any bank charges over the last 5 years. Seems they are trying to offer to claim any charges back on my behalf in exchange for a cut. I just hung up, but would be interested to know if anyone else is being pestered by these chancers.

[TheAnimus]

LloydsTSB by chance?

[Chopper]

lol thats the one...

[badass]

Brilliant!

[wombar]

Haha, good on you

[G4Z]

Good effort that man!

I do find that if you get charged for going over your limit it is usually possible to get it back by complaining even if the fault of going over the limit is yours. I did it last year and got £75 back.

[PinkPig]

That's actually astonishing! You must be good with words to persuade a bank to part with £120...

[Nick F]

I know someone that charges banks by the minute for dealing with them if anything goes wrong with his account.

You never get unless you ask

[Chopper]

I know someone that charges banks by the minute for dealing with them if anything goes wrong with his account.

You never get unless you ask

dont give me any ideas D

[TooNice]

I am a little puzzled. Why did the bank transfer £2k from the account to the credit card in the first place? I would have thought that a transfer of credit card would be done by simply moving your debt/limit from one card to another.

[abbybaker]

A brand new report questions the transparency of banks. It says, regardless of claims of reform, loan companies are still using hidden fees to increase earnings.

[rubles04]

My experience with my bank has been excellent. They have reasonable fees and their checking account fee can be waived with direct deposit. They have many locations and I like their accessibility and their Bank(Finance) Tutorials & Guides.