Bank Charges - illegal?

homer_j_3

dchurch24 wrote:

Would you have any objections to me putting this is the 'Quote - Unquote' section of https://www.bankactiongroup.co.uk?

not at all...

deary65

programe on radio 4 about bank charges today at 12 oclock

dchurch24

It's good to know that we're all students (???? - re. the Radio 4 interview), and also that it really does cost the banks £35 - although they contradicted themselves before the Treasury Select Commitee.

inmypocketnottheirs

Narva wrote:

I posted a letter through the banks door on sunday night and yesterday when in town popped in the bank to ask if it was being dealt with, the customer advisor rang a central branch and advised that i was to recive a phone call within 24 hrs to advise me of what was happening, and actual said to the person on the other end " to save any futher complaints" hense i have recived no phone call, so i have rang the bank central line and logged a complaint. I so am living in hope we get this money back, i am in the same baot as other people and the charges have pushed me futher over drawn and in a no win situcation. Please if any one can support me through this, ie a email buddy that has gone as far as taking tha bank to court in case this happens, (with my luck it will), as this is quite scarry stuff. I would think my charges are as high as 1,000. many thanks and please everyone keep your fingers crossed for me.

Hi, have sent you a pm

moxie_2

Well I am really angry now. I've just been to the cashpoint and Nationwide have taken out the £400 charges, leaving me £300 overdrawn (more charges) and with £1 to live on until Friday. They must have done this after 5pm last night as I was checking my account online and thought I was safe. I'm so cross, that was really sneaky. Letter number 2 will be winging it's way to them on Monday morning.

dchurch24

I hope that you threaten legal action in your letter if they do not return ALL the charges for the past 6 years to you within, say 14 days.

(standard letter can be found at https://www.bankactiongroup.co.uk - in the forum).

moxie_2

I will do now, the first letter was asking nicely and they just ignored me and took the charges out without even getting back to me to let me know. What kind of service is that, I didn't really believe it at first but you're all right they are bullies of the worst kind who exploit those of us who, through no fault of our own, are struggling to survive. I'm so mad!

zar

deary65 wrote:

programe on radio 4 about bank charges today at 12 oclock

For anyone who missed it...

money box - bank charges first segment

dchurch24

moxie wrote:

I will do now, the first letter was asking nicely and they just ignored me and took the charges out without even getting back to me to let me know. What kind of service is that, I didn't really believe it at first but you're all right they are bullies of the worst kind who exploit those of us who, through no fault of our own, are struggling to survive. I'm so mad!

I discovered this the hard way too - asking nicely, pleading and generally being nice gets you nowhere with banks.

It's a sad fact that getting angry and starting legal proceedings gets you everywhere.

It's a sad, sad world already - and banks contribute to that 'sadness' in no small part.

...and you are right - it's appauling behaviour from them - not even so much as a phone call.

moxie_2

It's sad but true. Just because I'm a nice person, doesn't mean anything. I remember getting really cross with Lloyds a few years ago, I'd been with them for over 20 years and they treated me like dirt. I wrote them a stinking letter, after I changed my account elsewhere, saying I thought it was very sad that customer loyalty meant nothing any more. Needless to say, I never heard from them again!