Certain Bank very eager to take my money

[mo3art]

Quick history
I have a current account with a certain bank
There are various standing orders set up for different dates through the month
Last monday, there was one standing order due to come out for €57, and on tuesday, there were two for €75 each. My available balance in the account on monday morning was €64. So I lodged €350 cash to the account to cover the outgoing bills on monday afternoon.
So the bank levied 3 x €12.70 rejected Standing Order fees and declined all 3 standing orders.
I've contacted the bank, who have stated that if the fees were levied in error, I will be refunded but they cannot be held responsible for damage to my credit rating for the non-payment of the €57 to another financial institution!
Just a warning for those of you who might think that you are in the clear with payments, but are actually not with a certain bank - they really make their own rules.

 

[stobear]

Sorry to hear that, I dont think it applies to a 'certain bank' though, I reckon given the slightest reason to take money or charge you all banks will.

Case in point, I received a charge of 5 Euro for banking charges recently, upto this point my balance allowed me to bank for free, however I dipped below the 500E threshold and wham they start charging me. So, as I like annoying FI's so much I complained bitterly referring them to the balancein my 4 accounts there and a week later my 5 Euro was refunded. I wont let them get away with anything.

 

[tonka]

he paid in cash though, some institutions can charge and reject based on your balance at 9am which is bad can we be warned ?

It would not be AIB who charge and reject based on the end of day cash balance (either 4.01 pm or 11:59pm ) , me having paid the cc bill cash at the counter at 3.50 pm more than once .