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1) loads of people
2) no, its in the terms and conditions that overdrafts can be cancelled at anytime without notice
3) no
4) no
5) not them
Overdrafts are there for short term borrowing, not longterm. Banks are cutting down on these to get rid of "bad...
Started by anybloodybody on
, 17 posts
by 7 people.
Answer Snippets (Read the full thread at moneysavingexpert):
Can I legally ask for compensation? Yes 30 days’ notice of our intention to change... .
Legally Santander (and any bank) can withdraw their overdraft without warning and ask for payment overdraft so obviously wouldn't try to remove it would they.
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This is for my NATIONWIDE FlexAccount btw. Around 3 years ago I left University at the end of the second year. I have been in but mainly out of work ever since, and have been un-able to clear this overdrafft debt which was almost completely depleted due...
Started by Samuel_ on
, 18 posts
by 10 people.
Answer Snippets (Read the full thread at moneysavingexpert):
The letter I received yesterday states that the new Overdraft will be for £250, 1.45% and 18.90% EAR ring them the....
The overdraft at it's agreed limit (£2000), and if I didn't ring them the new overdraft terms would.
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Hi,
When I was 17 I opened a bank account with Santander, I was not a student however the woman insisted I got a student account.
When I was then asked if I wanted an overdraft I said no! However a few months after using my account (getting paid max £...
Started by paul19 on
, 11 posts
by 7 people.
Answer Snippets (Read the full thread at moneysavingexpert):
If you were 17 even Santander's systems would have not provided you with an account with an overdraft are genuine and not a total....
Why don't you.
Just thought I'd throw that one out there.
The overdraft, you could have not spent the money.
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Ask your Facebook Friends
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Similar tale to the other two threads , myself and a partner had a business account for about a year and a half , were told no overdraft facility possible , and never asked again or signed any agreement.
I used the debit card to make some online purchases...
Started by vsbarclays on
, 20 posts
by 4 people.
Answer Snippets (Read the full thread at consumeractiongroup):
The final balance was - 3 K in purchases and charges
Again , no overdraft facilitty with no authorised overdraft....
Did you not receive monthly statements from the bank which showed an overdraft
2.
With this, and to refer you to the DCA.
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Hi - thought I'd start a thread as these are my second most painful creditor after MBNA . I thought I'd diary these last awkward creditors as much to share victories as to pick your brains as I've had quite a few complaints and things upheld so far.
Background...
Started by debtdiary on
, 5 posts
by 2 people.
Answer Snippets (Read the full thread at consumeractiongroup):
Meanwhile from reading other threads looks like claiming overdraft fees back is quite tough compared.
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I have been with US Bank for a long time now, when I was younger, in college and broke, I would overdraft my checking account from time to time, but now that I manage my money well i'm debating whether or not that $4,000.00 dollar reserve line is worth...
Started by foofoodar on
, 15 posts
by 12 people.
Answer Snippets (Read the full thread at thefinanceforums):
From their perspective, theyve written a check on the customers credit report... .
It sounds nice, like they are really like the concept of Courtesy Overdraft Protection.
overdraft protection, some call it a courtesy overdraft protection.
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I have an overdraft of £1,900.00. I am unemployed and having to pay approximately £26.00 per month in interest for this overdraft. What is the best way for me to this off as I cannot afford a loan. Is there any credit cards at 0% i8nterest that would ...
Started by glizy875 on
, 4 posts
by 3 people.
Answer Snippets (Read the full thread at moneysavingexpert):
This will screw your credit rating but I can't see .
With a new bank and default on your overdraft.
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Hi
I have an arranged overdraft of £1000 and also have a credit card and loan.
Can I use my overdraft to pay off my credit card to try and reduce the interest? Does being in your arranged overdraft go against you in your credit report or anything?
Darren...
Started by darren_5 on
, 6 posts
by 6 people.
Answer Snippets (Read the full thread at moneysavingexpert):
How much will the ....
Can't see why you think you can't? Using an arranged overdraft shouldn't affect your credit rating, no.
Poo I'd do the following things:
a) Make sure.
And you can pay your overdraft back on to your new deal.
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I have an old student account which I haven't used for several years. It has an overdraft of 1000 but there's been nothing going in or out of it. As far as I was concerned it was a dormant account which I'd planned to pay off one day etc etc.
I moved ...
Started by hugsr on
, 15 posts
by 11 people.
Answer Snippets (Read the full thread at moneysavingexpert):
I'd state that you have been the overdraft you are in a position....
If you could prove you'd informed them of your change the overdraft or issuing a default notice with regards to the account.
That you informed them of your new address.
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Http://www.dailymail...-base-rate.html
Quote: Banks are charging customers the highest overdraft rates since records began.
The average authorised overdraft rate is 19.52 per cent nearly 40 times the base rate which has been kept at a historic low of...
Started by interestrateripoff on
, 15 posts
by 14 people.
Answer Snippets (Read the full thread at housepricecrash):
Don't use your overdraft unless it is an emergency, too many people for too long have lived....
It would be a dark dark day the Wail goes for interest only overdrafts....
The thought of going into my overdraft sends a chill down my spine.
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