Claim back any unfair bank charges! Article Discussion Area

chezz565

Is there anyone with a letter format (with blanks) i could copy and send off? i wish to claim my charges back and I have no idea what it should look like, i have been charged £39 for a dirct debit that did not go through. Can anyone help by sending the format to <<edit personal email address removed - Forum Team 2>>

Ohhohoho

Thanks dchurch, yes i meant the BankActionGroup website. i shall email them.

I have been with my bank for 10 years so i shall do as you say.

Many thanks.

helen_l_winter

I am new to this money saving lark but getting one over on the evil bankers appeals greatly. Please forgive if this is a complete dunces question (I'm still wearing "L" plates). I have collated all the charges for returned DD's etc but was wondering if it is possible to claim for unauthorised overdraft fees and the interest they charge for using both the unauthorised and the authorised OD. :beer:

dchurch24

chezz565 wrote:

Is there anyone with a letter format (with blanks) i could copy and send off? i wish to claim my charges back and I have no idea what it should look like, i have been charged £39 for a dirct debit that did not go through. Can anyone help by sending the format to chezz_565@hotmail.com?

Go to https://www.bankactiongroup.co.uk - register and the letters you want are in the library.

tigibb

I've recently asked egg to disclose all activity on my account since its inception releating to unfair bank charges etc..
They have asked for a £10 fee which I obviouxly don't want to give them. Is there anyway I can get around this? Surely I shouldn't have to pay to see what a company has on me?

Many thanks

ali_pav

Can you still claim on bank accounts that have been closed in the past 6 years?

MPH80

tigibb wrote:

I've recently asked egg to disclose all activity on my account since its inception releating to unfair bank charges etc..
They have asked for a £10 fee which I obviouxly don't want to give them. Is there anyway I can get around this? Surely I shouldn't have to pay to see what a company has on me?

Many thanks

The £10 is the standard fee under the data protection act ... so yes ... they can charge you ... and no - if they request it - you can't get around it.

M.

jackbean

Has anyone ever experienced the unfair system of credits going in and direct debits coming out on the same day but the direct debit being returned because there were insufficient funds in the account despite the credit transaction on the same day?

It seems like they have a licence to print money. However if I was to use a manual system of paying in some cash and then make a withdrawal this would be permitted so why do the banks etc not use the same principle when it comes to automatic transfers?

Disgruntled Jack Bean

aliyah

today i received a standard letter back from lloyds, responding to my first request for the return of unfair charges.

they basically said that i should have known about these charges when i opened the account and when i got an overdraft.

they have however, offered to waive the 10 pound charge for statements of charges for last 6 years.

they have charged me over 1300.00 in charges over 4 years :mad: for the usual delays in cheque clearing, returned DDs etc. - can i carry on with this claim despite this letter?

and what is the best step now?

any advice??

thanks all, aliyah

mjanet

aliyah wrote:

today i received a standard letter back from lloyds, responding to my first request for the return of unfair charges.

they basically said that i should have known about these charges when i opened the account and when i got an overdraft.

they have however, offered to waive the 10 pound charge for statements of charges for last 6 years.

they have charged me over 1300.00 in charges over 4 years :mad: for the usual delays in cheque clearing, returned DDs etc. - can i carry on with this claim despite this letter?

and what is the best step now?

any advice??

thanks all, aliyah

yes you can carry on ..... stick to the time limit you gave them then send the letter before action, template available in libary of https://www.bankactiongroup.co.uk

BTW I recieved that letter as well today from lloyds but no mention of me not having to pay the £10 .