Can anyone give advice on bank of scotland charges. I had 3 dd due out yesterday and I transferred the money into the account they were coming from on the 18th unfortunately I realised yest that I had put the money into my daughters act by a mistake and the ddebits have tried to be taken off, I contacted BOS this am and have been told its a case of bad luck silly mistake and I will have to pay the charges that will apply. I have spoken to BOS customer services manager and he has said they same I will have to pay the charges, he was quite aware that I had transferred the money and it was to the wrong acct, when i noticed my error which was last night I automatically put the money into the correct acct, but they are adamant there is nothing I can do about the charges as they refunded me a charge in July this year. I think this is pretty rotton of them considering they can see the money was there but in the wrong account.

Does anyone know of anything I can do apart from close all my accts with BOS which they will not be bothered about 1 person closing them. No much wonder they can afford to give out all the cheap loans that they do.

Really annoyed at myself but also with BOS.

ribena3:

Google "reclaiming bank charges". There is a lot to read and understand. Also template letters to send.

Was this a BOS Easycash account or a BOS cheque account? There are changes taking place soon to the charges on the cheque account. You may or may not benefit so there maybe good reasons to switch.

I think most banks would have treated you in exactly the same way (though not necessarily exactly the same charges). Look at the alternatives and make the choice that's best for you.

Changing banks at least once is a good confidence builder for the next occasion.