My bank taking the mick?

[Amateurish]

Interested in people's thoughts here. I got a letter from my bank about an account which I thought I no longer used. Apparently I owed about £65 on the account. So I went online and saw that this related to a £20 spend a number of months ago which had then grown with interest and charges etc. OK, my mistake, fair enough. So I went online and cleared the balance. Job done - or so I thought. Fast forward a couple of months and I got another letter saying I still owed £60 odd. Must be some mistake - so I checked again. This time the bank had levied debit interest of a few pence *after* I cleared the balance. Then hit me with several charges again since the account was once again overdrawn. So now back up to £60 odd.

So should I tell them where to go? Or is it my mistake?

[Foliage]

Ive had this a couple of times, give your bank a call, its sort of your fault but not because of the way the bank works (ie delayed), I usually over pay now so my credit cards are in £10-20 credit to stop this happening, stupid i know, but id rather not deal with the hassle.

[bad company]

Amateurish said:

Interested in people's thoughts here. I got a letter from my bank about an account which I thought I no longer used. Apparently I owed about £65 on the account. So I went online and saw that this related to a £20 spend a number of months ago which had then grown with interest and charges etc. OK, my mistake, fair enough. So I went online and cleared the balance. Job done - or so I thought. Fast forward a couple of months and I got another letter saying I still owed £60 odd. Must be some mistake - so I checked again. This time the bank had levied debit interest of a few pence *after* I cleared the balance. Then hit me with several charges again since the account was once again overdrawn. So now back up to £60 odd.

So should I tell them where to go? Or is it my mistake?

Call them, explain the situation and they will waive the charges.

[bugmenot]

Your spending, your fault really.

The charges and interest are not debited from your account straight away because they are pre-advised.

But as above, if you give them a call and explain the situation they will than likely be willing to waive the charges.

[megapixels83]

your error, pay the balance, close the account.

[anonymous-user]

megapixels83 said:

your error, pay the balance, close the account.

This, if your bank won't negotiate. Close all your accounts with this bank, they are giving you lousy service.

[DocJock]

Santander will waive the charge one time.

Fair enough really as you can only plead ignorance once.