bank say i can't claim charges back

biskwitt

I'm not too sure if this has already been answered but I claimed back my charges 17 months ago from my bank and I've had an unbelievable amount of charges since then. The bank say I can't claim them back because I've already done it so all the charges I've had since then are just too bad. Is this right, or can I still claim them back?

ShelfStacker_3

OK. You ran up lots of charges, you got all your money back, and now you're running up more, and you want those back too? How about you learn your bleeding lessons not to go over your limits, rather than just expecting to be able to "reclaim" charges every so often?

They're under no obligation to give you back what is now their money. In fact, I'd imagine they're quite justified in telling you to go spin.

Kavanne

How much did you claim back before? Surely you could have used at least SOME of that money to reduce your debt/stay within your limits/make your min payments on time?!

biskwitt

ShelfStacker,

6 months ago I was £1.30 short in my account for £11+ TV License direct debit by only 24 hours. They didn't pay the bill and when my money did go in the following day they took a £38 charge then the same week another small direct debit was refused as all the money in my account is accounted for on a weekly basis. They took another £38 but left two bills unpaid and took £72 pound and since my money is widows/incapacity benefit it's not variable so there's no way I can replace what they've taken and pay the unpaid bills so in effect it snowballs from week to week. Plus at the end of the month there's £28 overlimit charges so over 6 months bank has taken over £600 and there was no sympathetic approach by them. You're lucky. You're healthy and employed. I've struggled to just survive. I hope you have a merry christmas.

YorkshireBoy

Take yourself over to the Reclaim charges board where someone will advise you on the 'hardship route' to getting the charges removed.

Then, do a bit to help yourself. If money is really so tight (and you don't/can't/won't budget for such regular bills) then you should cancel ALL your direct debits and live your life with cash...because it sounds like these charges aren't going to go away if you don't.

biskwitt

Thanks for the help YorkshireBoy. I've more or less done the second part.

Burlesque_Babe

yes, you can claim them back.

If they are credit card charges, anything over £12 per charge can be claimed back.

If they are bank charges, you can claim back. However, there is a stay (hold) on all cases until the situation is sorted with the courts so you can get as far as putting in a court claim, but it won't go any further until a ruling is made (possibly some time early next year, but could be later than that).

Your bank is just trying to put you off claiming.

biskwitt

Ah, right! Thanks a lot for that!

dzug1

OP's bank may have made a 'can't claim again' condition when repaying the original charges.

How enforceable this would be I've no idea.

cifpower

biskwitt wrote: »

ShelfStacker,

6 months ago I was £1.30 short in my account for £11+ TV License direct debit by only 24 hours. They didn't pay the bill and when my money did go in the following day they took a £38 charge then the same week another small direct debit was refused as all the money in my account is accounted for on a weekly basis. They took another £38 but left two bills unpaid and took £72 pound and since my money is widows/incapacity benefit it's not variable so there's no way I can replace what they've taken and pay the unpaid bills so in effect it snowballs from week to week. Plus at the end of the month there's £28 overlimit charges so over 6 months bank has taken over £600 and there was no sympathetic approach by them. You're lucky. You're healthy and employed. I've struggled to just survive. I hope you have a merry christmas.

I live on Incapacity Benefit and DLA too but yet somehow I manage to budget for all my direct debits and not be hit by charges.

Good luck in your second claim though.

tripled

ShelfStacker wrote: »

OK. You ran up lots of charges, you got all your money back, and now you're running up more, and you want those back too? How about you learn your bleeding lessons not to go over your limits, rather than just expecting to be able to "reclaim" charges every so often?

They're under no obligation to give you back what is now their money. In fact, I'd imagine they're quite justified in telling you to go spin.

If all their cashiers have such a 'sympathetic' attitude, I'm glad that I don't bank with HSBC.