Why is this? is this a ripoff scam?

Question

i go 4p over my overdraft limit, which i didn't abbey charged me 4p for something and i still dont now what for now,

then they send me a bill this morning for £25.04p

they say ime 4p overdrawn, theres no money in the account to cover it so got pay.

i dont use it that much, last time about 8 weeks ago, theres no money in the account £0.00p

its a basic account, i got no direct debits, and no overdraft facility, so how can i go 4p overdrawn?

its a ripoff.

so going tell them close it down tomorrow.

Answer 1

Get back onto them and ask them do they not watch GMTV, telling us how to claim back bank charges as its illegal, my daughter done this with halifax on wednesday and moaned about it and they removed the charge.

Answer 2

That's the way banks make money - ALL banks. You should never get overdrawn unless you arrange an overdraft.

You can ask for a complete statement as to what the charges were which put you in the red.

I hope I don't get a thumbs down - I don't agree with it but I just know they are all robbing b****s.

Answer 3

Pls check your information, bank charges HAVE NOT been found illegal. The details in question is whether the amount of these charges are relevant and fair. They have never been called illegal  

Answer 4

Is it a ripoff? I think so..however when you opened that account, you signed a paper agreeing to all the fees and other ripoffs.  

Answer 5

Ask them what they charged you 4p for.  Your account seemed to show a zero balance before this, and if they charged fees, they would surely have charged more than 4p.  Something does not sound quite right to me.  Talk to them.  

Answer 6

ask them what the 4p debit was for? or what you did to take the account 4p overdrawn?

Basic bank accounts shouldn't incur any charges as they're not ordinarily allowed to go overdrawn - so challenge Abbey on the charges and ask for a refund.