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After 18 months of absolutely no charges I accidentally went 32p over my limit in April. Cue 3 months of £28 overlimit fees on that account. I got this account back under the limit fairly quickly and have had no charges for the last couple of months so decided to wait for the outcome of the test case etc before doing anything.
However, at the end of June I got hit with a paid referral fee on our other account, which took us over the limit, triggering another £28 charge at the end of july. unsurprisingly, this took us overlimit again, which means not only will there be a 28 charge at the end of the month, but also led to a d/d being bounced, at a cost of £38. Which led to us being even more over the limit, which led to another 4 bounced d/d's, a total of £190 in bounced charges over 5 days. And so the cylce begins again...........
I've been following the test case but as it didn't really impact on me, it hasn't all sunk in to be honest.
So the question is, do I put a claim in now, or wait for the outcome? Bearing in mind I have already had all my charges back on both accounts once, and can't get into the position of them clsoing our account etc, as our mortgage is also with them.
Don't think I'd scrape in under the hardship rules, although the way its going I'll be clsoe on to the £500 charges in a year!
Advice anyone?
However, at the end of June I got hit with a paid referral fee on our other account, which took us over the limit, triggering another £28 charge at the end of july. unsurprisingly, this took us overlimit again, which means not only will there be a 28 charge at the end of the month, but also led to a d/d being bounced, at a cost of £38. Which led to us being even more over the limit, which led to another 4 bounced d/d's, a total of £190 in bounced charges over 5 days. And so the cylce begins again...........
I've been following the test case but as it didn't really impact on me, it hasn't all sunk in to be honest.
So the question is, do I put a claim in now, or wait for the outcome? Bearing in mind I have already had all my charges back on both accounts once, and can't get into the position of them clsoing our account etc, as our mortgage is also with them.
Don't think I'd scrape in under the hardship rules, although the way its going I'll be clsoe on to the £500 charges in a year!
Advice anyone?
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