Can you claim the International ATM Charges

Omertron · 13 November 2006 at 5:50PM

I've been pretty fortunate over the last few years and have very few "penalty" charges to claim back.

I do, however, have a lot of £1.50 charges for drawing money out via a Switch/Maestro/Cirrus card at a cash machine while working abroad.

Does anyone know if this falls into the category of charges I can claim back?

Thanks

stacey21_2 · 13 November 2006 at 6:45PM

I don't think it does as this is the charge for changing the money to the different currency of the country you are in - could be wrong though!

nickmack · 14 November 2006 at 10:42PM

You can't claim these back.

Omertron · 15 November 2006 at 3:09PM

Ok thanks

theoriginalwes · 23 November 2006 at 11:01PM

Hi everybody, hope youre all succesfully beating the banks! I am just about to attempt to claim the illegal charges removed from my account by the Halifax. So far I have phoned them to complain, to which they responded by offering me 114 pounds as a good will gesture. I have not accepted this and will now be claiming everything. It came to my attention whilst going throught the last 6 years statements the amount of times I have been charged 1.50 for using my debit card abroad. I have just come out of the army after 7 years, the majority of which I was based overseas. Prodominantly in Germany where obviously I tried to get rid of as much of my wage, before I could waste it on savings and investments, by taking it out at an ATM (to take to bars!!) Everytime I did this I was charged.....Is it possible to claim these back as well?
I would like to send the completed letter requesting the exact amount I expect them to give me back on Tuesday next week, so if anyone knows would you please let me know asa.
Thank you very much and good luck with all your causes no matter how big or small!

digp · 23 November 2006 at 11:47PM

I doubt it very much.

RichyRich · 24 November 2006 at 2:40AM

No, you can't claim cash machine charges, this is a bona-fide charge for a service, albeit a b100dy expensive one, however, the law would interpret this simply as you getting a bad bargain...hard luck on your part...freedom of contract and all that. The analogy would be you paying £100 for a chocolate bar - nothing illegal about charging £100 for one, provided someone's willing to pay it.

The legal basis of attempts to claim back Unauthorised O/D, Cleared Item charges etc is that these charges ostensibly represent a penalty and are therefore unenforceable under the doctrine in Dunlop v New Garage. I hope you see the difference

HtH

Rich

digp · 24 November 2006 at 1:01PM

RichyRich wrote:

No, The analogy would be you paying £100 for a chocolate bar - nothing illegal about charging £100 for one, provided someone's willing to pay it.

Rich

there is a school of thought which would consider this to amount to theft by the storekeeper

jimsmith102 · 23 February 2007 at 9:50PM

Hi,

I wonder if anyone can help reclaim foreign exchange transaction fees?

From 1998-2001 I lived abroad as a student. I kept a UK bank account and paid for as much as possible by Barclaycard - until one day I noticed on my statement that all foreign transactions incurred a 2.75% transaction fee (I remember reading something at the time that this information was introduced on a mandatory basis).

I note that in the US a recent class action lawsuit (http://www.travelfinances.com/blog/index.php/category/financial-news/credit-card-conversion-fees/)
allows people charged fees to reclaim on the basis they weren't properly disclosed (too true!).

Anyone got any advice on how to approach this over here? :money:

foggy27 · 25 April 2007 at 10:54AM

I hope someone out there can help or has experience in this matter

I was working in Dublin last year and was charged £1.50 every time I took out funds from my account irrespective of the amount I withdrew €10, €100 etc. The total charges over the time over there was £21.00 - not a lot I know but still a pain in the backside.

I complainted to HBOS regarding this unfair charge and the cost per transaction withdrawal and received a letter back stating that this charge is stated in the T&C's of my account therefore i knew all about it. basically they refused to offer me my money back.

Has anyone out there reclaimed for such ATM charges and got a result?

Thanks in advance

Bewitched2761 · 25 April 2007 at 11:20AM

I think in the reclaiming bank charges help thread it states you cant claim back charges for atms, you could have a look there.
Sure some bright spark will be along soon who knows
hth

Can you claim the International ATM Charges

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