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Chris
 Post subject: Overdrawn Fees
PostPosted: Wed Sep 05, 2012 8:59 am 
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Centurion
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Joined: Sat Sep 03, 2011 1:37 pm
Posts: 178
Hey crowsters, could you join discussion about this situation:

I/we/this household has been enduring a health crises over the last few months. We had to give up our employments for several weeks and use what we had saved up for rent etc and what I was saving for dentistry/my teeth. We were/are budgeting survival money - food, warmth (it's been freezing)..... We had/have extra expenses for the healing products, as we researched and tried different things - ordering online - there has been a lot of freight expenses too.
It has been stressful!
We gave our best to heal this crises, until I had no choice but to return to work (also 'work' were very happy that I returned as they were also stressed without 'my function').
Actually I nearly wrote about this in the new 'Health and Alternative Medicine' section as I felt my experiences would be valuable, and that I also saw this situation as a blessing in disguise.
I/we are still dealing with it, and I was working out priorities for our last dollars (see bank statement below).
Normally I hardly ever pay by card as I draw enough cash to cover things, however as to my new stress I began just using my bank card for payments and didn't think or realize that there would be fees.
On 3/09/2012 I checked my account online to make use of 'last dollars' and I was a bit shocked to see the Excess Txn & Debit Card Fees, so promptly rang bank up and explained my/our situation as best I could and asked for them to waive the Fees. She said the bank manager had the power to do this and would convey to him as he was not available right now. She rang back and said that he said "if he did this for me he'd have to do it for everyone".
I had also said to her/'the bank' that my next pay was due in tomorrow morning 4/09/2012.
When I checked my balance next morning I was once again shocked to see 'the bank' had also made 'Overdrawn Fees $15.00'
I rang again.....manager was not available - she'd get him to ring me...which hasn't happened yet.
I am thinking about using the 'Notice'/administration process, or not and just moving on.
But anyway I am doing this discussion.


4/09/2012 3/09/2012 EFT Credit ............. PAY FOR 2/09/2012 $292.55 $275.21
3/09/2012 3/09/2012 Overdrawn Fees $15.00 -$17.34
3/09/2012 3/09/2012 EFTPOS WOOLWORTHS 1191 COONABARABNSWAU V#6942 $19.59 -$2.34
31/08/2012 31/08/2012 Excess Txn Fee $20.70 $17.25
31/08/2012 31/08/2012 Debit Card Mth Debit Card Mth Fee $4.50 $37.95
31/08/2012 31/08/2012 EFTPOS WOOLWORTHS 1191 COONABARABNSWAU V#6942 $11.95 $42.45
30/08/2012 30/08/2012 EFTPOS WOOLWORTHS 1191 COONABARABNSWAU V#6942 +C50 $61.23 $54.40

Research:
Are you being ripped-off by bank fees?
http://blogs.news.com.au/investigations ... fees/desc/

Fee:
http://dictionary.reference.com/browse/Fee?s=t
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Deacus
 Post subject: Re: Overdrawn Fees
PostPosted: Sun Sep 30, 2012 7:21 am 
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Apprentice

Joined: Sun Aug 28, 2011 10:22 am
Posts: 96
Hi Chris, long time since we have had a chat how are you? how about try something along the following lines
NON-NEGOTIABLE

NOTICE

Replies must for fill all demands within this notice ABSOLUTELY & PRECISELY any other response will be rejected, failure will result in a further £25.00 fees for each subsequent errors or for following correspondence should there be failure on your part

Re: Acc No 123456
Dear Sirs
"YOUR PREDICAMENT"
regarding these funds please supply the following as a matter of urgency
1. Copy of the original commercial bill/Invoice for the afore mentioned fees in accordance with the Bills of Exchange Act (your relevant law)
2. A receipt for the afore mentioned fees
3. A copy of the contract signed by both parties and therefore binding both parties where permission was given by myself agreeing to said fees

I hereby give you ten (10) days to reply to this notice from the above date with a notice sent under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your said failure to provide the aforementioned documentation within ten (10) days, from the above date, to validate the fees, will constitute your agreement to the following terms:
1. That the fees did not exist in the first place;

AND
2. That any damages I suffer, you will be held culpable;
3. That any negative remarks made to a credit reference agency will be removed;
4. You agree to pay all fee schedules.

Yours sincerely,
By:.......................................... 
Authorised Agent and Representative for Mr Chris
No assured value, No liability. Errors & Omissions Excepted. All Rights Reserved.

WITHOUT RECOURSE – NON-ASSUMPSIT
Calls maybe recorded

They wont/cant supply the documentation so wrte to them again with a bill!
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