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Overlimit Item Charges

  • 19-06-2017 12:35pm
    #1
    Chiloe
    Registered Users, Registered Users 2 Posts: 2 ✭


    [font=Verdana, Arial, Helvetica, sans-serif]Hi folks,[/font]


    [font=Verdana, Arial, Helvetica, sans-serif]I recently went on a night out, not knowing I had almost reached the overdraft limit on my BOI Account. After passing this limit, I made 11 small purchases (drinks, food, etc) with my contactless debit card.[/font]


    [font=Verdana, Arial, Helvetica, sans-serif]For each purchase, I was charged up to €10 in fees (in total, €77). I only earn €250 a week so this was a huge blow to my personal finances.[/font]



    [font=Verdana, Arial, Helvetica, sans-serif]Given that I never knew these kind of fees even existed, is it possible to make a refund appeal to BOI? I've been a happy customer with them for almost eight years and wouldn't like to leave them because of something like this.[/font]


Comments

  • #2
    Bank of Ireland: Kareana
    Closed Accounts Posts: 453 ✭✭Bank of Ireland: Kareana


    http://https://goo.gl/PUEfSO
    Chiloe wrote: »
    [font=Verdana, Arial, Helvetica, sans-serif]Hi folks,[/font]


    [font=Verdana, Arial, Helvetica, sans-serif]I recently went on a night out, not knowing I had almost reached the overdraft limit on my BOI Account. After passing this limit, I made 11 small purchases (drinks, food, etc) with my contactless debit card.[/font]


    [font=Verdana, Arial, Helvetica, sans-serif]For each purchase, I was charged up to €10 in fees (in total, €77). I only earn €250 a week so this was a huge blow to my personal finances.[/font]



    [font=Verdana, Arial, Helvetica, sans-serif]Given that I never knew these kind of fees even existed, is it possible to make a refund appeal to BOI? I've been a happy customer with them for almost eight years and wouldn't like to leave them because of something like this.[/font]

    [font=Times New Roman","serif]Hi Chiloe,[/font]
    [font=Times New Roman","serif]Thanks for your post.[/font]
    [font=Times New Roman","serif]We are sorry that you are unhappy with the charges applied to your account.[/font]
    [font=Times New Roman","serif]If you go into an unauthorised overdraft the following fees are applied:[/font]
    [font=Times New Roman","serif]1st over limit item per quarter is free[/font]
    [font=Times New Roman","serif]2nd and 3rd per quarter are 3.50[/font]
    [font=Times New Roman","serif]4th and 5th per quarter are 5.00[/font]
    [font=Times New Roman","serif]6th and any item per quarter after that would be charged at 10.00.[/font]
    [font=Times New Roman","serif]These charges are outlined in the terms and conditions of a personal current account during account opening. As they are valid charges you would need to make a formal complaint to dispute them.[/font]
    [font=Times New Roman","serif]For information on how to raise a complaint please see here.[/font]
    [font=Times New Roman","serif]I hope this helps.[/font]
    [font=Times New Roman","serif]Thanks,[/font]
    [font=Times New Roman","serif]Kareana [/font]


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