Bank charges question

Joopin

Hi Im new to this site and a bit confussed about the bank charges issues. I have read through the threads but because there is so much information Im getting a bit lost.
I have a Card cash account with Halifax and because of bad money management (and because I spend too much money on smoking) I get bank charges made to my account about twice a month for £39 each. The bad money management and the smoking are stopped or in the process of stopping because of the great advice of this site.
Is it the case that I can get these back? They happen when direct debits get bounced which leaves me less money for the next month and on goes the cycle.
I know I being a bit dim because there is oddles of advice on this topic but I havent found a thread from someone with the same basic account (no overdraft facitily) that I have.
Thanks for any help and I promise to get to grips with the site better so Im not asking such daft questions.

inmypocketnottheirs

Hi and welcome. Basically yes, regardless of your type of account, you can reclaim these charges. Read through this thread

http://forums.moneysavingexpert.com/showthread.html?t=115112

It may take some time, but it will give you a good insight into what is happening.

Also visit https://www.bankchargeshell.co.uk for further info and advice.

Hope this helps

Pere_Ubu

Opened my post this morning the Nationwide have refunded me £90 in bank charges. They had until Friday so they were a bit ahead of themselves. They did point out that it was a good will gesture one off occassion etc. They also said they understood how I felt about the charges!! Well if they do it again I will quote this back to them.