Claim back any unfair bank charges! Article Discussion Area

sallywoo

Doubt
Thought
2 words that mean nothing in court proceedings
how can we take the banks all the way with unclear discriptions of the crime they are charged with??
what crime is that anyway can anyone tell me the section of the unfair terms act thats in breach????

xanderd

sallywoo wrote:

You would have "Thought a court would enforce"
dont anyone know for shure ??
not wanting to sound stupid but dose any one aculay know all the facts i would like to know all facts
other pepoles Thoughts and wims mutch as i like them are not clear fact
court action works on fact not Thought

If you want to know all the facts then read through all the laws and statutes relevant to your case...I'm not going to do that for you.

I'm just pointing out the general issues as I see them applying. I avoid stating things in stone on Internet forums as everything written here is opinion and is not reliable.

wannabedebt3

Hi,
DONT GIVE UP.

Natwest charges for last 6 years: 1245.00
Refunded today: 900.00


I know it wasn't the full amount but to be totally honest i'm happy and just want to close my account with them and walk away.
It took just one letter and 2 weeks for Natwest to offer me this amount. I actually owe them 900.00 on my overdraft so it will clear this,then I can shut my account and walk away.

Big thanks to Martin and this website for all of the advice etc. Without The help I've had from here I would never have seen a way to clear my overdraft.

Good luck to all.

Lisa x

PS. I'm gonna hit my credit card companies now. Heee heee.

melpomene

well done Lisa!

sallywoo

xanderd wrote:

If you want to know all the facts then read through all the laws and statutes relevant to your case...I'm not going to do that for you.

I'm just pointing out the general issues as I see them applying. I avoid stating things in stone on Internet forums as everything written here is opinion and is not reliable.

i intend to read through all relivant laws terms and conditions.
However can you or someone else point out the general area where the banks are wrong in what they are doing?

xanderd

sallywoo wrote:

i intend to read through all relivant laws terms and conditions.
However can you or someone else point out the general area where the banks are wrong in what they are doing?

the general area is that the charges they applied are illegal. Same as theft. So the money should have been yours all along. How the money is given to you or in what form does not affect this simple fact.

The money is yours. As long as they have given it back to you they have complied..but on the other hand if you say you wont be able to use it if they put it in your account (i dont understand what you mean by this but anyway...) then you are entitled to ask for it ina way that is accessible to you e.g. cheque.

pacart

The banks seem to be coming up with evermore complicated "lines of defence" they will supposedly be presenting in court. It's all bluff, the banks have went to court on a handful of occasions and have been shot down in flames every time. Thousands of people have now got back the money banks have stolen from them, all but a handful without going to court. The banks are afraid of court. If they send pages of legalese and bumpf, just tell them, "see you in court". The law is quite clear about this matter, it is not complicated, the banks are acting unlawfully when they impose charges disproportionate to the loss incurred. ?that is the basic principle. If they say they will prove the charges are a fair reflection of their loss, then let them prove it. They can't and they won't even try. They know they are acting unlawfully. I, personally, think it is a disgrace that the banks can show utter contempt for the law and for parliament and continue to act unlawfully thousands of times a day, plunging thousands of their customers into a spiral of debt. A bigger outrage is that our legislators just sit back and let it happen, they are a disgrace. Make the banks obey the law!

BaileyB

Ok guys gonna try and go for this, now what are my first steps?

Do i contact the bank and ask for 6 years of statments? I'm not sure how far my online details go back and dont keep statements that far back?

What am i allowed to claim for?

sorry if this has been asked before just dont know where to start and have read the article but no really clued up.

Thanks

Lizzieg_3

Hello, I have just joined the forum this morning and I cant believe how many people are in the same boat as me. I was charge 4 times last month in succession £39.00 per time for failed direct debits (salary hadnt gone in). One charge was for a direct debit of £8.50.

My other bank charges anything up to £100 per month if not more for unauthorisedoverdraft fees and having been doing so for goodness how long. My husband and I are constantly playing catchup and we cant do it. No sooner that we pay some money in then they are apply charges. I really would like to do something about this. I did write and ask for them to waive or stop putting charges on but the answer was no. Do we have a good case in both instances.
Many thanks

moran73

i've just received a letter from Halifax stating that the £375 they promised to refund has to go back onto my credit card as this is where the charge originated. When they offered me the £187.50 refund they enclosed a form that stated i return it and the money will be added to my account or they would send a cheque.

I know that money is rightfully mine and i am going to call them today as i now have a name and number but need advice on what to say. I basically aim to say to them that i want the amount paid into my own bank account by monday as this was the deadline i gave or i will start legal proceedings - will they then pay up?

i would appreciate any speedy advice on this as i aim to call them this morning.