Bank Charges - illegal?

I will try and dig out the reading I've been doing and the somewhat loosely interpreted clauses I have found. I am not at home at the moment, but I will be home Friday and I will have a look then.

Perfect! Exactly the ones I had in mind ;-)

Good Morning Everybody!

And for once, I mean Good Morning!!!!

Delighted to post this morning that I have just gone on line and checked my bank account, only to find a credit showing - adjustment commission £1331.50.

The Co-op have paid in full without going to court on the basis of three letters.

Please any doubters take heed, these charges are illegal and will be refunded if challenged. You have to show the bank you are serious and won't capitulate.

Many thanks dchurch, I could not have done it without you!!!! :beer:

Lets all get on the banks backs and get these charges dropped once and for all.

Result!!

I would rather not go into too much detail "embarassing" but my wife managed to run up an overdraft with Natwest to the tune of £2600. Last week I went into the branch and asked to speak with the manager and was obliged.

The manager & myself went through the account and I noted that only £580 of payments had been honoured meaning £2020 of the overdraft was made up of bank chanrges. I offerred him £780 in full & final settlement of the debt and he laughed (literrally). I spent the next two minutes explaining to him about the student whom had taken his bank to court & the reasons behind the students action, I also explained to him about this thread here at MSE and that I was leaving the bank and would start legal proceedings in the form described in this thread.

Without question the manager accepted £780 in full & final settlement of the debt.

I really didnt think it would be as easy as a 25 minute conversation but it was, so thankyou.

Should have held out for the full £2020 though