Cahoot
My bank have annoyed me by causing me hassle, and refused to assist me in fixing it. As such, after only 8 months with them, I am moving my account away to another provider.
I went over my overdraught limit back in May, by about £4 for less than 24hrs. Now I understand that this is bad. I was charged £30 by them over 2wks later and with no notice. I have no problems accepting this charge and why it was applied - but I was given no notice of it. This pushed my balance over the limit again (I was awaiting payment from some MSing I'd done, it went in within 2 days of this).
They are now trying to charge me again for the breach in June. I have emailed them several times now, explaining that if I'd have known they were charging me in June, I would have ensured there were funds there to cover it, and trying to explain that charging me £60 for going over my limit by a grand total of £4 is both unreasonable and ridiculous.
Their last response said that they would not take my correspondence on the matter any further and if I wished to complain "higher up the chain", I'd need to put it in writing to their complaints department, or something.
I'm not doing this, I'm just going to close my account with them, and move my bank account elsewhere. I've opened an account with the Alliance and Leicester, which are offering comparable in-credit interest rates to Cahoot, and 0% overdraught for up to 12 months. They also state that there is "no charge" on overdraught limit breaches for 1 day for the Prem Plus account.
See why companies should do what people think is reasonable, rather than be arsey about it? They've now lost my overdraught interest, credit card interest, any possible future loans I may have taken out with them, and so on. And hopefully I'll convince some other people that they're not worth the bother.
[Edit: I'm not mad - I'm not talking to myself in the comments, I had a comment from someone who's deleted it for some reason]
I went over my overdraught limit back in May, by about £4 for less than 24hrs. Now I understand that this is bad. I was charged £30 by them over 2wks later and with no notice. I have no problems accepting this charge and why it was applied - but I was given no notice of it. This pushed my balance over the limit again (I was awaiting payment from some MSing I'd done, it went in within 2 days of this).
They are now trying to charge me again for the breach in June. I have emailed them several times now, explaining that if I'd have known they were charging me in June, I would have ensured there were funds there to cover it, and trying to explain that charging me £60 for going over my limit by a grand total of £4 is both unreasonable and ridiculous.
Their last response said that they would not take my correspondence on the matter any further and if I wished to complain "higher up the chain", I'd need to put it in writing to their complaints department, or something.
I'm not doing this, I'm just going to close my account with them, and move my bank account elsewhere. I've opened an account with the Alliance and Leicester, which are offering comparable in-credit interest rates to Cahoot, and 0% overdraught for up to 12 months. They also state that there is "no charge" on overdraught limit breaches for 1 day for the Prem Plus account.
See why companies should do what people think is reasonable, rather than be arsey about it? They've now lost my overdraught interest, credit card interest, any possible future loans I may have taken out with them, and so on. And hopefully I'll convince some other people that they're not worth the bother.
[Edit: I'm not mad - I'm not talking to myself in the comments, I had a comment from someone who's deleted it for some reason]