I recently got a statement from BOI and spotted a charge of €30 for "O/DRAFT FACILITY FEE".
I don't do overdrafts and did not ask for a facility. So I phoned the bank and was told that it was a renewal of a facility for €254. I pointed out that that I had never asked for it and never overdraw. The advice given to me was that they would not reverse the debit and that I should notify them in writing that I wanted to cancel the facility.
That led to some angry words, and the branch representative called back to tell me that the charge would be reversed but that they still required written notice that I wanted the facility cancelled.
I'm not happy about this. In effect, I was hit with a charge for something I never asked for and don't use, and they now want me to cancel a request that I never made. In effect, that would be validating the bank's action when my basic position is that the bank's action is entirely wrong.
Have others here had any similar experiences?
I don't do overdrafts and did not ask for a facility. So I phoned the bank and was told that it was a renewal of a facility for €254. I pointed out that that I had never asked for it and never overdraw. The advice given to me was that they would not reverse the debit and that I should notify them in writing that I wanted to cancel the facility.
That led to some angry words, and the branch representative called back to tell me that the charge would be reversed but that they still required written notice that I wanted the facility cancelled.
I'm not happy about this. In effect, I was hit with a charge for something I never asked for and don't use, and they now want me to cancel a request that I never made. In effect, that would be validating the bank's action when my basic position is that the bank's action is entirely wrong.
Have others here had any similar experiences?