Right - I know I'm putting myself up for a flaming from those of us who NEVER get bank charges, and who think that those of us who do are inept, clueless, child-brained twits with no grasp of real life.
However; about four months ago, I sat down, did some sums and decided I'd like to clear my overdraft with the RBS. I worked out that it was eminently do-able but that things would be a bit tight for the next year.
Month one went fine - didn't have to resort to beans on toast, just stayed away from CRC etc. Month two, went overdrawn by £8 and didn't notice until I got an email saying my online advice-of-charges was ready to view - it was about £80. This meant that next month's payment put me back into the red and culminated in a not-so-happy phone call to the bank today.
The long and the short of it is that they want £336 in charges for a total of 30 days in the red (one period of 11 days, one of 19 days).
OK so I involuntarily broke the rules, but to end up in this state over an £8 oversight seems utterly insane - I'm usually pretty careful and manage to keep two other accounts in good working order, without any crazy charges.
They've agreed to refund £80, but as an institution I feel they just aren't playing nicely. Not crying about it, just had to vent somewhere and this seemed as good a place to get flamed as any....
Once youve cleared your OD, perhaps its time to swap banks.
