quick question please

gettingbetter

if your br

are you allowed to make a claim for your bank charges

even if the bank in question has closed your account

thankyou

GettingHopeful

Yes, I think someone on this board has done so. The funds recovered go into the BR estate via the OR. Please let us know how you get on if you decide to go ahead.

All the best

gettingbetter

i want to go ahead

even though it is just to say stuff you to the bank

i know it will all go to or

just didnt know if it was allowed

will keep you posted to let you know how i get on

kas

k2nga

Yeah i would think you still had a right to claim and if i remember rightly you can go back quite a few years when we get a proper decision on if the claims will go through.

I am guessing that if you are dis-charged by the time ruling happens and then claim the OR will be out of it anyway?

tigerfeet2006

I have a feeling that even if you are discharged it might have to go to the OR as the account no longer really belongs to you. It might be worth a call to the Insolvency Service on Monday.and double check (number in my sig.)

LilyBart

Tiger is right. Just as any debts prior to bankruptcy will form part of the bankruptcy, so any assets - even "after acquired" - will go into the estate, to be divvied up between creditors. Which presumably means that the bank charges you get back may in fact be used towards any debt to the bank! But I can completely understand the desire to go ahead and do it anyway, just to make a point. Am tempted to try and do the same with mis-sold payment insurance on our evil secured loan. Do let us know how you get on with your crusade!
Lily

gettingbetter

opppppppppppppps

have just checked statement for july 2008

£92.00 charges

everytime i used my switch card they would charge me £0.50

back over six years that is a lot of money

kas

gettingbetter

just thought i would add

there are no charges for being overdrawn on this statement

but there is £50 adjustment debit

any idea what that may be

thanks
kas

blind-as-a-bat_2

gettingbetter wrote: »

opppppppppppppps

have just checked statement for july 2008

£92.00 charges

everytime i used my switch card they would charge me £0.50

back over six years that is a lot of money

kas

Are you sure this was your bank that charged this? I thought all banks allowed free mini bank transactions useing there machines

You wernt using one of those independent machines that charge a fee where you? say at one of your local shops or garage?

gettingbetter

there are two adjustment debit charges

1 £50.00
2 £82.56

the account was in credit by £184, have never noticed them before

they charged me £0.50 to close the account and closing statement says i am overdrawn.

wonder if they will come after me lol

gettingbetter

erm

do i request statements for all 3 account or just one at a time

i am really confused

kas