I know its a long read but i really need help so if you could please read it


I've been with my bank at Natwest(in the UK) for about 6 years and I've never had a problem. About 3 months ago I was caught in the highstreet by people hounding/guilt tripping you into helping for a charity This time it was the NSPCC, I kept thinking to myself ill agree to get it over with, and then cancel the direct debit,( dont get me wrong I'm all for giving to charity putting money in pots etc, but I don't like them taking money out of my account) anyways they rang a few days later and asked if it was ok to carry on, but I cancelled it there with them, id just finished working at tesco and i was hungry and i remmeberd I had like 80p left in my bank so I bought a boost bar, then all the shit started to happen. The Nspcc carried out the charge still despite me canceliing it, and cause I don't have an over draft they charged me £37:90 And I was really annoyed and i thought it was the charge from the Nspcc but it wasnt, because they'd taken the money out, and i thought i had 80p left in the account, that was also the charge for buying the chocolate bar in my overdraft which I didnt think I was in. I then thought this was all paid for but they charged me the next month for the nspcc but because i thought it was paid for i had no money in the account, so the bank itself put me in an overdraft, and guess what, they charged me again for going in the overdraft , and now they have sent me a letter saying expect another charge on the 4th of august for a total off £66 pound for the buying that chocolate bar, but i thought i already paid that off :S any way all in all I paid/going to pay the bank about £220 in bank charges for £8 for the nspcc which i thought was cancelled and a chocolate bar, There is no way on earth that can be justified


main questions are, can i claim it back? and can anyone suggest a better bank with not so harsh bank charges

pretty please lol

You're lying.

what do yu wnat help with?

i can tell you that i had something similar happen to me in 2006, when i was with HSBC, they charged me £20 for going 20p overdrawn for like a day, bulshit i know, but i dont know what you can do about it.

I think U agreed by the phone it was okay for the crarity org to deduct the charity money, because u were gambling that nothing would be able to be drawn from your account since it was empty.

Now u got punished lol.

so, youre calling him a liar for no reason?

I have my letter here from the NSPCC trying to convince me to start donating again Along with another sob story to guilt trip me, anyway ignoring your uncalled for coment, Mostly need to know if I can claim back these charges, and why are they charging me this much, isnt it over the top?

Huh?

The line of thinking is all in his text. If he did it the first time when meeting the charity on the street, he could have done it over the phone too.

And that's what this dispute will come down to - in the phone call, did you say that it was okay for them to move on drawing money from your account or not.

i didn't give them permission to carry on taking money, and i have letter from them asking me to please re-consider

Good, in that case u have proof that npcc did wrong when they went on charging money from your account. Take them to court.