Quote:
Originally Posted by Mr Angry
Xaccers old chap,
Be careful in what you're doing. By "taking over" from aul ma Xaccers you are affording the bank even more leverage in that they will draw this out as long as possible.
Additionally, under no circumstances should you or she be explaining to the bank how they arrived at a position whereby they thought they were entitled to levy charges. In doing so you are weakening your case by affording them the opportunity to find fault in her / your money management and you / she might well find yourselves in a predicament whereby they close her / your account citing this as a (perfectly reasonable) reason for doing so.
You know where to find me.
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By taking over I just mean I'll print out the letters as per the process and get her to sign them rather than ad-hoc correspondance.
Interstingly, about 9 months ago HSBC sent her a letter saying that they no longer charged pentalty fees but £25 admin fees for increasing your overdraft to cover the outgoings.
£25 per increase. However where someone had a £100 overdraft, if they had a bill etc come out taking it to £150, they were charged £25 for the extention of the overdraft, but the overdraft remained at £100, so if monies were put into the account to bring the overdraft back into the £100 limit, then something else came out, another charge would be applied.
Also, the charging for a few quid over the limit didn't start until September, when it suddenly started and became quite heavy, with charges taking the account over the overdraft limit, and further charges because of that.