Bloody banks

[Platinum]

Due to the mess up with Komplett I went 50 quid odd overdrawn, not only that another purchase I made was alowed to go through taking my ballence down to -100 pounds, I mananged to get 70 back in there so my current balance read 33 yesterday with the actual balance reading the same, today I look and the actual balance still reads the same but the avaliable balance reads -80 quid

I call up the bank and they have no record of this -80 quid and there records show that my avalaible balance is -33 quid, and they say the only thing that it could be is if I used my card today and spent some cash, I havent even left the house yet, only got up a few hours ago after sleeping off a hangover, didnt leave the house during drinking so no drunken spending could account for it

The thing that really got me is when I asked them what my current overdraft limit was and they said there wasnt a overdraft on the account.

So if thats the case why are they allowing money to come out of my account that I dont have, surly they should just decline the transactions? no they let the transactions go through so that they can charge me overdraft fees after, money grabbing bastards

Hopefully I should be ok till payday on friday as ive got them to put a 200 quid overdraft on the account, I was assured if I didnt go over 200 overdrawn then there would be no futher charges although a Indian woman reading the legal jargon overthe phone quite fast its hard to know the full ins and outs of the overdraft, I had to put it on there though or face huge charges come next friday when I get paid and go into credit again.

Anyone here know much about banking systems that can shed more light onto this situation, never having had a overdfraft before will there be charges / interest on the overdraft? when I get paid should I cancel the overdraft and try to never go over again / lock 100 quid away for emergency use only?

Also does anyone know of a bank that will not let transactions go through when there is no cash in the account? I feel that my bank is about to lose a customer.

[/end rant]

[Platinum]

Also with regards to the avaliable balance that they have no record of ive been asked to call up tomorrow and they should be able to see it then, didnt think banks updated there accounts on sunday?

[shiato storm]

money grabing gits is all they are tbh...

[Rave]

If you use a Visa Delta or Maestro card they tend to go through as long as it's not a silly amount like £1000 or more. You have to be careful with them. If you get an Electron or Solo card it checks them every time they're used and will refuse any transaction you don't have the money for. Not all places accept them though so it can be a bit of a PITA.

If you get charged for going overdrawn it's sometimes worthwhile phoning up and moaning. My wife went over on her account once because she didn't realise that it was possible to overspend on her Delta card; when she phoned up and complained they cancelled the charge as a goodwill gesture. As for a strategy for a future- get them to give you an overdraft facility for £100-200 or so, it costs nothing (apart from interest if you go over) and it's the best way of avoiding charges in future.

Rich :¬)

[Apex]

M8 you in the same boat i was, i went overdrawn even when i didn't have a overdraft they never answed why they let this happen.

[ACiD303]

Think thats bad, I had an overdraft agreement with my bank - for some reason (well actually, they tell me its coz I dont pay my wages into it) they removed the ocerdraft, so Im over £1k in unagreed terms - thats £20/month charge until I pay it off :@

[psychy]

are you a student by any chance?
Banks are usually leanient on students. If you are, give them a call and discuss with them

[shiato storm]

or just ask them why the hell they canceled your overdraft limit without discussing it with you first. a rather sneaky and not all that legal way of screwing you over...