can we claim bank charges back???
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sitcom321
Posts: 386 Forumite
my daughter bought a car via barclay finance about t years ago. since then ahe lost her job and is now in a much less well paid job. She has been late with payments on car on numerous occasions and gets charged £22 each time. is she able to ask for these charges back or not???
thanks
thanks
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Comments
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is she able to ask for these charges back or not???
She can ask for them back. However, it is up to them if they feel a goodwill gesture is in order or not.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
my daughter bought a car via barclay finance about t years ago. since then ahe lost her job and is now in a much less well paid job. She has been late with payments on car on numerous occasions and gets charged £22 each time. is she able to ask for these charges back or not???
thanks
Well people could always try, but I will be surprised if any bank on this planet will ever do that given that it happens in numerous occasions (not just once).
Some banks will give it back as a gesture of goodwill given that it happens for the first time and people will learn a lesson, will give people warning that they will charge when this happen again. I think it is a fair thing they even do not need to do it in the first time.0 -
She has been late with payments on car on numerous occasions and gets charged £22 each time. is she able to ask for these charges back or not???0
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my daughter bought a car via barclay finance about t years ago. since then ahe lost her job and is now in a much less well paid job. She has been late with payments on car on numerous occasions and gets charged £22 each time. is she able to ask for these charges back or not???
thanks
This is not really bank charges you are talking about, but rather consumer credit agreement default charges.
In the past I would have said follow the advice on the MSE guide to reclaiming credit card charges (which are also consumer credit agreement default charges)
http://www.moneysavingexpert.com/reclaim/credit-card-charges
However, note the warning at the start of the article now
This guide is archived. The information in it is out of date – please do your own research before acting on any of the information here. We’ve no plans to update this guide, we’ve left it here for reference only.
I think it means that boat has long since sailed.0 -
If she is still in this same low paid job, is she going to keep on missing payments and getting charged.
I think she is on a hiding to nothing and maybe needs to work out a budget to manage he money better.make the most of it, we are only here for the weekend.
and we will never, ever return.0
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