Originally Posted by Takana
I know how you feel. Although I haven't gone overdrawn for a few months now (touch wood lol), it did get really bad. Like you I too went overdrawn under a pound. Can't remember now. So they charge me £30. This then put me overdrawn further when they took that charge out so fined me another £30. But cos this was like the 3rd time going overdrawn in a row or whatever, they charged me yet another £30! It all snowballed.
I keep being told that I should try to claim back what they have charged me, but since I have been ok for a few months can I really complain to them now?
Yes, you can complain and request that the charges are refunded for a number of years after the fact (I forget how many). They may decide to penalise you by closing your account, however, which will be a pain in the *** as far as direct debits and any other regular payments you have coming in/out are concerned. But it shouldn't be a huge problem, as long as you aren't overdrawn. By that, I mean you want to be entirely in the black with no overdraft whatsoever (it wasn't clear from your post whether you were overdrawn over an overdraft facility or simply overdrawn over the nil mark). If you have an overdraft, wait until you can get out of the red before hitting them with the request for a refund of charges, otherwise they may take steps to close your account and hit you back with a request that you stump up any amount you're in the red, which they are perfectly within their legal rights to do as per your overdraft facility agreement, unfortunately.
Hope that helps.