Help with a letter to the bank.
Help with a letter to the bank.
Author
Discussion

KardioKate

Original Poster:

1,584 posts

171 months

Tuesday 20th September 2011
quotequote all
Right, just wondering whether there are any special words or phrases I need to use in a letter I'm writing to my bank.

I have a business account, and an unexpected recurring card payment was taken (2 weeks earlier than it should have been / normally is). I have the payments into the account so they come in 5 days before payments go out. As I said in July one payment was taken early (not a DD, just a recurring card payment). I went £7.21 overdrawn, and immediately transferred funds over from my personal account to cover it shortly after 9am.

So, anyway, I've been billed £30.06 for the pleasure of this. Not on IMO. I've rung them up and talked with their advisor who said I have to write to their "Admin Office" who will be able to make a decision on whether to refund the charges. I've had the account (and other personal accts with the bank) for 4+ years and in that time the account has ALWAYS been in good standing. This is the first time this has happened.

So, I need to write this letter. Anything I need to include to strengthen my case?

98elise

30,191 posts

178 months

Tuesday 20th September 2011
quotequote all
Darling fascist bully-boy
Give me back my money, you bd.
May the seed of your loins be fruitful in the belly of your woman.
Neil.

Fer

7,754 posts

297 months

Tuesday 20th September 2011
quotequote all
98elise said:
Darling fascist bully-boy
Give me back my money, you bd.
May the seed of your loins be fruitful in the belly of your woman.
Neil.
Boomshanka.

worsy

6,274 posts

192 months

Tuesday 20th September 2011
quotequote all
Dear Sir

I have a business account, and an unexpected recurring card payment was taken (2 weeks earlier than it should have been / normally is). I have the payments into the account so they come in 5 days before payments go out. In July one payment was taken early (not a DD, just a recurring card payment). My account went £7.21 overdrawn, and on discovering the error I immediately transferred funds over to cover it shortly after 9am.

I've been billed £30.06 as a consequence. As this was a genuine mistake and not of my own making, would you please consider waiving the fee on this occasion? I've had the account (and other personal accts with your bank) for 4+ years and in that time the account has ALWAYS been in good standing. This is the first time this has happened.

Yours Faithfully

OP

bleesh

1,112 posts

271 months

Tuesday 20th September 2011
quotequote all
Assuming this was on a credit or debit card, I wouldn't write to the bank.
As far as I can see, a recurring payment is nothing to do with the bank/card issuer.

When you signed up to the arrangement that led to the recurring payment being authorised, in effect you said to the company "I authorise you to charge money to the card whenever you believe I owe you money".

It's the company who took the payment you need to contact.

http://www.moneysavingexpert.com/banking/recurring...
http://www.telegraph.co.uk/finance/personalfinance...

Steve

KardioKate

Original Poster:

1,584 posts

171 months

Tuesday 20th September 2011
quotequote all
bleesh said:
Assuming this was on a credit or debit card, I wouldn't write to the bank.
As far as I can see, a recurring payment is nothing to do with the bank/card issuer.

When you signed up to the arrangement that led to the recurring payment being authorised, in effect you said to the company "I authorise you to charge money to the card whenever you believe I owe you money".

It's the company who took the payment you need to contact.

http://www.moneysavingexpert.com/banking/recurring...
http://www.telegraph.co.uk/finance/personalfinance...

Steve
There's not issue that the money was owed, but it's just usually taken on a different date. My own fault for not reading my ebay invoice, innit.

I just don't think the amount the bank have taken is at al fair.

For example, with Lloyds TSB if a DD or payment goes out but I put the balance in before 3:30pm, there's no problems.

darreni

4,225 posts

287 months

Wednesday 21st September 2011
quotequote all
KardioKate said:
There's not issue that the money was owed, but it's just usually taken on a different date. My own fault for not reading my ebay invoice, innit.

I just don't think the amount the bank have taken is at al fair.

For example, with Lloyds TSB if a DD or payment goes out but I put the balance in before 3:30pm, there's no problems.
Is it Lloyds that have charged you?

KardioKate

Original Poster:

1,584 posts

171 months

Wednesday 21st September 2011
quotequote all
darreni said:
Is it Lloyds that have charged you?
Nooo. I haven't named the bank because I thought it was against the rules. Anyway, it's a Spanish bank.