Right. Do you think this is a little strong?
I am writing to place on record my disgust at being charged £25 for going overdrawn, as I did, for a few hours on 14/10/09 by less than £6
The charges are due to debit from my account shortly.
I was assured by you at the time that, all pending transactions considered, my account would remain in credit. This turned out not to the case despite your repeat assurances.
I asked on three separate occasions to listen to the phonecall between myself and firstdirect - which would prove that I was given incorrect advice - and on each occasion I was told that this wasn't going to be possible.
In effect firstdirect played judge and jury in deciding to charge me.
Annoyingly, I did as you were expecting and gave up the fight. I imagine somewhere at firstdirect HQ, a staffer was rubbing their spindly fingers Mr Burns-style and declaring "ha ha Smithers, in the end we got him!"
Admittedly, I am not entirely bothered because I was credited with £100 for joining firstdirect when I did. Effectively this £25 isn't a change, it's just a way for you to gleefully claw back some of the money you initially gave me.
I'm sure it all ends up in the bonus pot to be given to someone who'll use it to buy tacky champagne to spray around a West Club club at bonus time.
I don't expect any sort of response, other than for you to smugly hold up your guide to the terms and conditions, like a school teacher with a hairy chin in a pressed skirt, and declare "well Mr Cox, we did tell you..."
However, I did want it placed on record that I object to the charge - £25 for going overdrawn by less than £6 for a few hours is the kind of business practice that would make lawyer with a baseball bat in a bad suit blush.
That said, I am a journalist by training and it's heartwarming to know that, as much as we and bad-suited lawyers are disliked, we are never going to be loathed to the extent that UK bank workers are now. Every cloud, silver lining etc. No offence intended...
Finally, having sent this at 11.16pm, the bolshy language and outlandish metaphors might suggest that I have enjoyed a fairly liquid Friday evening out, the truth is I am very much sober and am actually working a nightshift.
I couldn't let it pass without mention that I think the charge is unfair, wrong, outrageous but more importantly, completely contrary to what good business should be about.
Then again, if you were about good practice and being fair to customers, you would have gone out of business ages ago.
Sharing my thoughts has brightened my night. You're welcome to use this as a dartboard / loo paper etc.
It better be okay because I just sent it. Do you think they will tell me to fuck off?