Claim back any unfair bank charges! Article Discussion Area

Former_MSE_Archna · 27 February 2006 at 5:11PM

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Claim back any unfair bank charges Article

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IMPORTANT: To discuss the impact of the campaign on bankings future go here

Evil_Dr_Z · 28 February 2006 at 8:50PM

Quick question,

After a long and painful relationship with a National bank, and having defaulting on a few loan payments for £3500 due to illness, they now have me over a barrell for the for the princely sum of over £7000, due to interest and the such like. Does this sound right?

Further details can be supplied.

Cheers

Evil Dr Z

sashacat · 28 February 2006 at 9:04PM

thanks for the article Dave Smith, my daughter is going for 6 years of charges with HSBC...should be thousands

tempest42 · 1 March 2006 at 12:26AM

What can I say - I followed their advice and won - Halifax backed down - anyone considering this should follow their advice, and well done Dave Smith.

mindymoo101 · 1 March 2006 at 5:43PM

does this also apply to credit card companies? If so, should I follow exactly the same procedures?

cheddar · 1 March 2006 at 10:32PM

I'm in the process of starting this with Natwest! Must have had about £2500 worth of charges in the last 6 years! :O

hhobba · 3 March 2006 at 1:57AM

Hi there. I am a student banking with Natwest. I purchased an item using Direct Debit from PayPal for £4.50 on the 22nd Feb, and the charge was not debited until the 28th Feb. During this time my funds became insufficient for this £4.50, although I did attempt to remedy this by being transferred £25.00 from a friend's account which I thought would only take 1 day. This £25.00 came into my bank on the same day that my £4.50 PayPal was taken out, although apparantely the £25.00 did not count as part of my balance since it has to be at least 1 working day in advance to count. So I was still "insufficient" for the £4.50.

I have been charged £38.00 in total (I think that includes the £4.50) for this.

Since I am in Scotland, can I contest this? Can someone point me to a piece of legal document which I can read to Natwest on the telephone so they are perfectly aware of what I am saying? Even the name of a document I can reference.

Any help is SO much appreciated. Thanks!!!

randombob · 3 March 2006 at 6:42AM

Does all this apply to fees charged by credit card companies if, for example, you make a late payment?

dchurch24 · 3 March 2006 at 10:28AM

Yes it does. Or indeed anywhere where you have been penalised for breach of contract.

Poppy9 · 3 March 2006 at 5:29PM

A couple of phone calls and a visit to the bank and I had the £1 transaction fees for using my debit card abroad refunded by Lloydstsb. I wasn't aware of the charge and if I had known wouldn't have used the card when I did so many times. Some of the transactions were for less than £10 (I had just run out of cash and no machine around) so £1 a time was a bit steep.

wackyraces · 3 March 2006 at 6:47PM

I was recently charged £30 by my mortgage company Alliance and Leicester. I wrote a cheque to make an overpayment and transferred money from a savings account to my current account at the sametime. Unfortunately the money did not arrive into my current account fast enough. I rang the bank, who agreed to return the cheque unpresented. Alliance and Leicester then received the cheque back. I informed them what had happened and they presented the cheque again. I was then informed that I would be charged £30 for this.

Am I eligible to complain about the charge and try to get a refund?

Thanks.

Claim back any unfair bank charges! Article Discussion Area

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