[Royboy39]

[quote=entwisi;440302]I think some of the perception around this is that the banks are effectively charging you for making a 'mistake'. IMHO you are as a responsible adult in charge of your own finances. You choose to use the services of a bank and accept that if you transgress certain parameters then you will be charged. The bank is not doing anything that it hasn't already told you it will. You just choose to ignore the fact and being perfectly honest it almost sounds like you don't want to take responsibility for your actions. i.e. your wife allowed herself to write a cheque knowing that there might be a chance that it would be presented to your bank before the funds were available. That was a gamble she took and lost. Would you complain to a bookie that you accidentally wrote the wrong horses name down?



I think you have misread this was a mistake not a gamble.
You would have to take the banks point of view because you work for them that is why your response sounds a bit "off pat"
If your comment is to be taken seriously why are bank charges under investigation with the OFT and why have so many people been able to reclaim bank charges and are continuing to reclaim?