General Chat

just peeled myself off ceiling and can feel a letter coming on. Paid cheque in first thing Wed should clear yesterday they refused a payment out yesterday as said it hadnt cleared so chargeing us £35. 4 days they say to clear well that in my mind in yesterday so payment should of gone out, sorry rant over

Daff Will do think will write rather than go into the branch might get a better answer

Hi Dawnie, I couldnt print here what i feel about the banks as id get banned,no compassion and no humanity, Theres been a problem with the TA pay system and they owe people 4 months pay, i contacted the bank, sent them an e mail with proof to avoid bank charges, were they interested....not a chance. You wok for hours for them to take it to get some boss rich, Caz x

Worth a quick call, then if no joy try a letter, expalining how long you've banked with them. And how disappoint ed you are with the service you've received and how you're looking into taking your business elsewhere. You don't have to but it might help if they think they are going to lose your business.

Shelli didnt think of that now let me see could move Mortgage, My account, joint account 3 childrens accounts, Investment accounts now seeing as how much business we give them think they could afford to not charge £35

Dawn LOL well that would be more trouble than its worth... but i always use that line, tho i only have two account and credit card with my bank......but you could try bluffing?????? LOL Which bank is it??? I've done it with HSBC and i usually get charges back. BUt that is bearing in mind I rarely get them and i rarely go over my limit ( i know yours wasn't your fault) so it might depend on how you've banked in the past. Good luck

oooh forgot to say one abnk and can't recall which agreed that the charges was too high and theirs are now £12, which in my opinion is still too much just for refsuing a payment etc. But much better than the £35 you've been charged.

Shelli is Lloyds TSB never had charges before and yes it does sometimes go close ot the line but not under it

Dawn sounds like my account we live on the over draft and just before pay day go VERY close to the line. And while we get interest cos we're in overdraftit's only a couple of pounds nothing major. But do try calling them they can only say no. BTW do youonly have an 0870 number for them or do you have a 'normal' number? Shell P.s I HATE Lloyds tbs. I moved from them yrs ago when the loan i had was covered by Insurance, so when i was made redundant I claimed. But as i'd been made redundant while pregnant, not because i was pregnant I might add. They said I couldn't seek work cos of pregnancy, so they wouldn't pay. What if I'd been hurt and couldn't work would they still have not paid????? I'm still paying that loan and the child i was pregnant with will be 15 this yr!!!!!!!

I'm no defender of banks, far from it, but you normally have to allow four working days to elapse for a cheque to clear so that means today. Denis

I was going to say that Denis, however £35 does sound a bit steep. I have a feeling I read somewhere that Lloyds TSB were putting up their charges. Think they are really only interested in dealing with large business accounts. I would challenge the charge by letter anyway. Caz, if the problem is with the TA has anyone contacted them and told them that because they have not paid out the money it is causing you financial problems and especially the fact that you may accrue bank charges? Surely they can't just owe you 4 months pay? Even the MOD can't do that! Ann Glos

Dawn This is from the Martin Lewis site. Bank Charges: Reclaim them, they're unlawful, get up to six years' money back Your bank owes you money. This free guide includes template letters and calculators so you can join the thousands who've reclaimed £1000s. All penalty charges for exceeding your overdrafts, bounced direct debits and cheques are commonly believed to be unlawful. Also when I worked for a company and they failed to pay the salaries in on time they were responsible for compensation to the staff who had direct debits due. I wish you look. Pat

Flippin banks are Bandits. All they're out to do is to take money off you regardless! Make sure you complain. Is it NW? They lost a cheque I paid in once, did they apologise or compensate me....NO!!

Im pretty sure that most banks have a 'good will' policy, whereby, if its the first time you've been overdrawn, they will usually refund the charge. Im with lloyds tsb and they have done this for me before. I also worked for a bank for a short while and know that the manager usually refunded bank charges as long as it was the first time that it had happened, and/or if it was seen as a fault of the bank. My advice would be to give them a ring, explain the situation, and they should refund without a prob.

Hi Dawn Sorry you have had trouble but I have had this trouble before the banks wont take the day you put the cheque in so So it will be Thursday.. Friday.. Monday.. Tuesday So it wont be cleared til tommorow Linda

If you are with Lloyds, are you not registered for internet banking? It's so useful, free and one of the most user-friendly systems around. All you have to do then is to click on 'Account detail' and you can instantly see whether you have sufficient cleared funds 'Available balance' to cover a payment going out. That way you can avoid extra charges.

Hi Ann, It is to do with computerised systems swopping over and there has been a big mess up. I am going to complain to the army as its just not on.Someone said its part time so not as much of a problem,it is when you are used to the income! It has been an absolute shambles! Caz xxx

Dawn,Go into the Bank,Demand to see the Manager and chew his 'Dangly Bits Off' It should only take a maximum of three working days to clear a Cheque. Hal.

Aw Dawn, go get it sorted!! I don't know about all banks, but most count the first day as the day you paid in as long as it is before 12 midday, in which case the cheque should have cleared no probs! Get your 'I want my money back!' head on.....good luck! Nanna-Moo ;-)

Caz, how dare they say it is not much of a problem when it is your (or graeme's) money you are owed. I would definitely get Graeme to complain. Try contacting SAAFA and see if they have anybody on the legal side who can help. Ann glos