From: "R. Mark Clayton" 
Newsgroups: uk.finance nz.general alt.uk.law aus.consumers can.consumers
Subject: Re: Bank Charge Bonanza!
Date: Thu, 9 Nov 2006 15:03:58 -0000


 wrote in message 
news:1163064456.854103.270890@e3g2000cwe.googlegroups.com...
I recently "went over" my overdraft "limit" by a few pounds and Natwest
pounced on me with a charge of £28. This seems unbelievable to me. An
overdraft limit should be just that but the banks pay a few pounds out
of your acount when their is insuffient funds and then charge you £28!

I asked the bank if they could make my overdraft limit more of a limit
to prevent to prevent this happening in the future because to charge
£28 it must have been a great inconvenience to the bank, and the reply
was if someone tries to charge my account and there is not enough cash
there the bank takes £38 from me for me not having enough money to pay
the original person.

I am currently choosing a new bank based on bank charges and am looking
long term for an alternative to these high street thieves.


This happed to us on our joint account when a cheque issued months before 
was presented unexpectedly causing an overdraft of a few pounds.

My partner (first named) wrote and complained.

No response.

We closed the account.