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Having done a search of AAM I see I'm hardly the first to be charged an Overdraft Facility Fee (E25), but just wondering why I've been charged when I'm not overdrawn and haven't been for a few months?? Never noticed the charge on my account before, but maybe I just wasn't looking closely enough?? Curious.
You're being charged for the privilege of having an overdraft available to you!
Well, if you don't use it then you should cancel it. Then you won't have to pay the fee. However, if you go "overdrawn" once you'll be hit with big charges.
In my experience they are generally comprehensible if you apprise yourself of the details by reading the terms & conditions and schedule of charges that you can get from your local branch or by writing to them.It just seems extraordinary to me that you're charged an overdraft-related fee when you haven't actually used the overdraft facility (certainly not in recent times). But hey, when were bank charges ever comprehensible?
You're being charged for the privilege of having an overdraft available to you!
If you can't live without the overdraft (even though you don't use it), deal with it - i.e. either pay the charge or move accounts.......
In my experience they are generally comprehensible if you apprise yourself of the details by reading the terms & conditions and schedule of charges that you can get from your local branch or by writing to them.
Its a pity we can't charge the bank for the privilege of having our savings available to the bank (even if we don't have any!)
.....I have left the facility in place on a "just in case" basis and on the explicit understanding that if the facility is not used no charge is applied.
If you don't like the charges then why did you agree to the terms & conditions when you opened the account and why don't you shop around for a more suitable alternative?You can be perfectly aware of terms and conditions, it doesn't mean they're reasonable! By 'comprehensible' I meant 'impossible to understand how they can justify these charges'!
If you don't like the charges then why did you agree to the terms & conditions when you opened the account and why don't you shop around for a more suitable alternative?
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