i went over drawn once, they refunded me when i queried it. Asked if i wanted an over-draft setup (i had none before) its now set at £250. Charges are a pain, but i don't see why they are 'unfair'
i went 38p.....38p, overdrawn couple of years ago...and the bank charged me £38!!!!! how the hell can anyone call that fair!!!!
I'm with ^^^^
And back to my note about taking money out of atm, if you have say £300 in your account on Friday no matter how much money you take out on Saturday/Sunday (obviously less than £300), unless they've changed it since it'll still say you can withdraw £300 on the receipt when you take out cash or balance enquiry. IMO this is bank's problem not mine!
Funniest of all Barclays send a letter and said because this was your 1st OD, if you don't go overdrawn throughout next year this will automatically be refunded. Not only it didn't, but also they gave me bull$hit when I mentioned this a year later!!
Another thing which is unfair is when they decide not to bounce a check or DD just to make your account go overdrawn and then charge you for going OD!
And finally
not everything is fair just because you've signed a T&Cs agreement. Unfair terms in an agreement, even after you've signed them, shall meet the requirements of The Unfair (Contract) Terms Act. If you read your bank's T&C you'll notice they have the right to charge you if you go OD, etc. and the charges may change from time to time. They can charge you whatever damn they please for going OD and this is what's not fair.
Yes you should be in control of your money at all times, but this doesn't take away the responsibilities of teh bank towards you.
I now have an angry face