Bank charges for going over overdraft limit, is there any way to get them back? ?
If you ‘never pay’ the fees, the bank will a) pursue you through court for them b) f*** up your credit rating so badly, you’ll never get another account, mrtgage, credit deal or loan in your life. So don’t do that. Far better, if the case where you incurred 5 seperate fees was a one off, is to go to your branch, or ring them up on their main phone banking line, apologise fulsomely and say that you will manage your account better in future and they may waive some or all the fees. But this WILL be a one off and if you do it again, you will not get the same consideration from the bank. A limit is a limit, and it must be drawn somewhere. You could ask for example, for them to refuse any transaction that would send you over drawn via debit card or via cash withdrawal- rather than you incur charges, they may or may not be prepared to operate your account in that way. However this would NOT cover returned cheques where there is a processing charge for the bank processing the returned cheque.
