Claim back any unfair bank charges! Article Discussion Area

evitaperon

NeilW wrote:

I'm glad to see that this article has finally been written. Well done Dave and Martin for publishing.

Remember that these charges are ILLEGAL. What the banks are doing is tantamount to theft.

If you went to the supermarket and had no cash in your purse/wallet, would you let them 'fine' you by taking your watch or some of your jewellery? So why do you put up with the equivalent from your bank?

What astounds me is that the so called 'consumer protection' groups haven't had the banks over a barrel with this before.

NeilW

If you went to the supermarket and had no cash in your purse/wallet would you expect them to let you walk out the door with a bunch of groceries you hadn't paid for?

mjanet

If you went to the supermarket and had no cash in your purse/wallet would you expect them to let you walk out the door with a bunch of groceries you hadn't paid for?

No of course not it's theft and there are laws to protect the supermarket , same way there are laws to protect us against banks helping themselves to our money.
'Theft ' is wrong no matter who is doing it.

evitaperon

mjanet wrote:

No of course not it's theft and there are laws to protect the supermarket , same way there are laws to protect us against banks helping themselves to our money.
'Theft ' is wrong no matter who is doing it.

So it's not theft taking money that doesn't belong to you?

CharleneUK

This morning, I receive a letter from Barclays, stating that THEY cleared my account and that I DID NOT pay the £29.52 charge before the account was closed and enclose some computerised nonsense backing this up!!

Now

1. I KNOW I paid it, I remember sending a cheque along with a letter saying I want my account closed

2. If it really was unpaid it would have shown on my credit report right? (maybe not, but whatever)

3. They would have written to me several times in attempt to get the money back!

Well anyway, I check online thank god my statements go back to 2003 and there it is, the cheque cashed AND tracked back my letter that I wrote, saying I'd enclosed a cheque and to cancel my account.

So, I call the lady who wrote to me, and told her that I paid and have proof, and straight away "o.k then, I'll get the £29.52 refunded to you" and that was it!!! They KNEW they were lying! Blooming cheek! and to think, they said they'd give me the 0.48p back as a gesture of goodwill!! :mad: :mad:

Now my mum and friends believe they can get this money back, can't wait to see what happens! :j

martinsimon1

hi, i have started claiming back about £1300.00 from HSBC they replied quickly with a letter stating that they are investigating my complaint. Should I send the 2nd letter now or wait til my 14 days have elapsed?

maforduk

martinsimon1 wrote:

hi, i have started claiming back about £1300.00 from HSBC they replied quickly with a letter stating that they are investigating my complaint. Should I send the 2nd letter now or wait til my 14 days have elapsed?

Send it now!

mjanet

martinsimon1 wrote:

hi, i have started claiming back about £1300.00 from HSBC they replied quickly with a letter stating that they are investigating my complaint. Should I send the 2nd letter now or wait til my 14 days have elapsed?

If you have given them a time limit then you should stick to it .I have been told straight they are not going to give me my money back and it is the banks final response, I will now wait until the 14 days are up that I gave them and then immediatly start my court action.You need to show the court, if nessacary, that you have been reasonable throughout.Giving them a time limit and then changing it is not being reasonable.

melt71

Hi, just started reading up on this article and all your posts about reclaiming. Can somebody clarify a couple of things for me;

1) I have charges for an authorised overdraft £5 plus interest and charges for an unauthorised overdraft £20 per day for a maximum of 3 days plus interest. Exactly what can I reclaim?

2) Does this apply to credit card companies (charges for late payment etc)

I'm going to go through all my statements tonight and find out how much they owe me. I don't think it will be much because I rarely go overdrawn, but it's definitely worth reclaiming!

miamay

Hi all,
My very first post on this great site/forum, so please forgive me if I'm repeating something.
I searched this thread, plus couple of others, but can not find if I am able to claim charges, on the same basis as the bank charges, that I incured through Sore Card accounts?
Further on, if I am unsure of the charges, can I send them Data Protection Act disclosure letter and request a comlete list of transactions and charges, and are they obliged to answer in the same time span as the banks?
Oh and one more thing, can I do all of the above for the accouns that went through the creditors, ones that I do not use any more (but still have an account number for)?
Your help will be greatly appreciated. Thanks!

maforduk

miamay wrote:

Hi all,
My very first post on this great site/forum, so please forgive me if I'm repeating something.
I searched this thread, plus couple of others, but can not find if I am able to claim charges, on the same basis as the bank charges, that I incured through Sore Card accounts?
Further on, if I am unsure of the charges, can I send them Data Protection Act disclosure letter and request a comlete list of transactions and charges, and are they obliged to answer in the same time span as the banks?
Oh and one more thing, can I do all of the above for the accouns that went through the creditors, ones that I do not use any more (but still have an account number for)?
Your help will be greatly appreciated. Thanks!

Hi, try using this link.
Click Here