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Financial Advice

Discussion in 'General Discussion' started by toosepin, 14 Aug 2006.

  1. toosepin


    Joined: 9 Jun 2006

    Posts: 954

    Location: Manchester

    Hi folks,

    Nothing big, but basically I gave my landlady a cheque for the rent. I had anough to cover it in my account, but 02 decided to bill me twice for some reason and the cheque bounced (my first one).

    I checked my account online and saw that the bank had charged me £38 fees for the cheque - I thought it was a little unfair but probably in their T&Cs.

    The next day I checked again and it said it had gone through - it had just eaten past my overdraft limit.

    I left for a lan party happy that the money I get back from 02 will cover the extra past my overdraft limit.

    On my return I found that the cheque had bounced again taking another set of fees from my account.

    So my question, is there any way I can get the bank to refund the fees taken so I can pay my rent?

    PS: I'm a student on a student account (waiting for loan in Sept).
  2. aardvark


    Joined: 2 Jan 2005

    Posts: 8,092

    Location: leeds

    have you talked to the bank manager? - see what he says first - if its a reasonable excuse then they sometimes give your money back - its not much money to them to keep a customer
  3. AndrewPE28


    Joined: 6 Jan 2003

    Posts: 735

    Phone O2 and tell them to re-inburse you immediately the amount taken. Then phone your bank or go into your branch and explain the problem. I'm sure they will take the fees off and sort it out for you.
  4. toosepin


    Joined: 9 Jun 2006

    Posts: 954

    Location: Manchester

    Thanks guys, rooting for the phone numbers now :)
  5. Jonny


    Joined: 18 Oct 2002

    Posts: 743

    Location: The Sticks

    Doesn't the direct debit guarantee cover things like this? Or am I very naive
  6. gjc10212

    Wise Guy

    Joined: 20 Oct 2005

    Posts: 1,226

    Location: London

    Sure does. Tell the bank what happened and they will refund you, and should chase up 02 on your behalf.
  7. 233


    Joined: 21 Nov 2004

    Posts: 13,130

    Location: Glasgow

    02 will reimburse you the charges if its an error on there part

    although they'll req a bank statemtent showing the charges

    get a statemtne and bitch to the bank about it after you get a statement

    get the money back off both them ;)

    quids in
  8. toosepin


    Joined: 9 Jun 2006

    Posts: 954

    Location: Manchester

    I like the sound of that. How long do these kind of things take?