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dann
Forums Member
Joined: 8 Feb 2012
Posts: 17
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#1 · Posted: 10 Feb 2012 18:08
What would be a good way to pressure a banker into reversing overdraft fees for you? While its necessary to be tactful, patient, polite, and make sure that your side of the story adds up - What could be a good way to make them think "Oh, it would be WISE for me to reverse these fees."
I know you can say in a polite way that you won't be doing business for them anymore, anything else?
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maxson6062
Forums Member
Joined: 2 Feb 2012
Posts: 5
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#2 · Posted: 15 Feb 2012 14:47 · Edited by: maxson6062
Hi Dann,
Boy! I've been there, they aren't to forgiving anymore to be honest, they gave me the one time fee back then took $120 for the next ones so needless to say I stopped it by telling them I would rather be embarrassed by them telling the person that I didn't have the money in the account to pay them, then to have them continue to charge me overdraft fee's.
So I have no Idea how to ask them politely not to do that to me ....
Oh! and get a budget software or just start a budget on excel and keep better idea's where and how you spend your money, knowledge is king to lessen your financial problems.
Good luck
Lynn
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talfighel
Joined: 17 Mar 2007
Posts: 1175
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#3 · Posted: 16 Feb 2012 09:02
Why don't you just pay it off? Make it your goal to pay your minus.
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robinincarolina
Joined: 11 Mar 2009
Posts: 538
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#4 · Posted: 22 Feb 2012 07:25
If I made the mistake, and I have, I just pay it. It's not like I didn't know their rules. By putting my money in their bank I agree to abide by their rules. It's an agreement and it's integrity in my opinion to keep my end. They keep theirs I believe.
I recently had this happen to me. I thought I was transferring my money from paypal to my bank. I was very tired. Turns out I transferred money from my bank to paypal instead. It overdrew my account  . I paid the fees.
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A8ch
Joined: 24 Jun 2005
Posts: 939
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#5 · Posted: 22 Feb 2012 10:46
dann: What would be a good way to pressure a banker into reversing overdraft fees for you?
You really can't pressure a banker into reversing legitimate overdraft fees. He may reverse those fees at his discretion, but applying pressure is certainly not going to appeal to his kinder, gentler side. And you will certainly not earn any points using this tactic.
dann: I know you can say in a polite way that you won't be doing business for them anymore, anything else?
Unless your account carries a substantial balance, (in which case it's unlikely to be overdrawn in the first place) threatening to take your business elsewhere might just be the move a banker might insist you make.
We all screw up from time to time, but there are some areas of negotiation we should always try to avoid, and imploring your banker to reverse an overdraft fee is one of them.
Hermas
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