Claim back any unfair bank charges! Article Discussion Area

melpomene

MortgageMama - i can't!!! I'm just lodging 2 claims, & expect to be in the same position, so am eagerly awaiting a reply. If you look back through the thread & elsewhere you'll find reassurances. I'm going to do so later, but have a go...it's all there!

Mel

bengal-stripe

emmalou wrote:

.... there was "overdraft interest" for various amounts each month...can i claim all these back too?

You can't (unless they introduce sharia law in this country).
You agreed to an overdraft at xx% interest p.a.

Nobody, apart from your mum, lends you money for nothing.

shaun1977

Ratty wrote:

I'm assuming counter sue for the amount of the account charges (already paid...).

They're not desperately clear what for, just threatening retaliatory action.

Do I proceed, or do I give up? I'm not sure I can cope with the extra hassle.

you certainly dont give up, they are counter suing just for that purpose. to win a counterclaim they would have to enter the courtroom which they will not do..
carry on with your claim. its just more scare tactics. go to https://www.!!!!!!.uk/forum an they will help you all the way through it, all the letters you need are there and if you need one especially writing for your circumstance they will do it.

shaun

shaun1977

maria_A wrote:

After reading lots of posts in regards to Halifax's unfair bank charges I decided to fight my own corner with my unfair charges.
The Halifax have charged me about £1000 in the last year for going over my overdraft limit. Some days I had been charged £90 in one day in charges.

I wrote to them saying that the charges were unfair and unlawful and I received a standard letter back then a more personal letter stating that the charges were NOT unlawful and that I should learn to manage my account better. But as a gesture of goodwill they have offered me £300 if I take this they basically said I will have to shut up about it and never mention it again.

What shall I do? Should I accept the £300 or should I keep fighting?

maria

keep fighting this is just their standard reply and many people take it. those that dont get the full ammount go to www.!!!!!!.uk/forum
all the help and support you need is there

shaun1977

Sarahsaver wrote:

I have only been with alliance and leicester for a short while, about 4 months, and they are ripping me off left right and centre, ther charges have alredy got me into a vicious circle to the extent I am cancelling bills just to put the brakes on slightly. Too early days to complain officially? Or should I freeze my account and go elsewhere?

start your claim immediately it is never to soon. i would always suggest you open another account elswhere though.
go to www.!!!!!!.uk/forum all the help and advice you need is right there

shaun1977

MortgageMamma wrote:

Ok, so I thought I'd be a smart !!!! and have a go at Halifax for £970 of bank charges. followed procedures religously and lodged a claim on 31st August which has been deemed as sent on 5th September. Today got a letter from Northampton County Court saying Halifax had acknowledged the claim and intended to defend it and would lodge their defence within 28 days. I am absolutely :eek:

Not being a confrontational person the thought of a court hearing with a halifax legal eagle terrifies me

Can anyone tell me if they have had the same happen to them and if so what happened after this?

hi, sorry for the delay
it is just standard, please dont worry about it. you will not enter the court room with anyone, go to www.!!!!!!.uk/forum you will see there are many that go through this and all win eventually.

shaun1977

melpomene wrote:

MortgageMama - i can't!!! I'm just lodging 2 claims, & expect to be in the same position, so am eagerly awaiting a reply. If you look back through the thread & elsewhere you'll find reassurances. I'm going to do so later, but have a go...it's all there!

Mel

dont panic, its all taken care of with all the letters and templates you need at www.!!!!!!.uk

StockportGerbil

MortgageMamma wrote:

Surely there must be someone who can put my mind at rest on this?

Hi!
Have a look at the forums at https://www.consumeractiongroup.co.uk. There you will see no-one has ever actually had to go to court. I'm taking on Barclays at the moment and they will only settle in full a week before the case is due to be heard. Your bank may well be adopting the same tactic. This appears to be their way of intimidating and putting off people from pursuing all their bank charges.

FWIW I have taken my wife's ex-employers to the small claims court, had a hearing and it was all pretty painless and not confrontational as you were presenting your case to the judge only.

Try not to worry or be bullied

Kev

shaun1977

emmalou wrote:

Ok so i finally after exactly 40 days! recieved my statements, i went through them and picked out all my unauthorised overdraft charges, but i noticed some other charges while i was looking and i'm wondering if i can count those in with my claim, there was "overdraft fee" which was from when i first opened the account and they charged me £5 a month to have a £500 overdraft with them.... there was "overdraft interest" for various amounts each month and also when i moved to america for a year - each time id made a withdrawal over there the charged me £1.50 per transaction (at first it stated "charge for continued use in USA" them in change to "commision" can i claim all these back too?

I know theres also an account fee on there but im pretty sure i already know i cant claim that back and need to cancel it with barclays.

Thanks in advance for all your help

you can reclaim interest on cahrges but it is a nightmare to work out, however if your overdraft is made up entirely of charges. ie. the claim is more then the overdraft then yes you can reclaim the interest quite easily as it is all the interest from the point the charges amounted to the size of the overdraft go to www.!!!!!!.uk all the help you need is there

dixie06

Hi just a bit of advice required. I sucessfully claimed back over £1000 worth of charges from HSBC on a open account a month ago. I have since claimed 6 years of charges from HSBC using letters 1 and 2 and they have basically said no go away!! I can either go to court with it or I have another plan! On my claim I only included charges over £12 but am lead to believe that any charge such as a £10 charge for card mis-use is still considered a penalty charge if this is the case do I proceed with my current claim or leave it a couple of weeks and claim again including over £300 of extra penalty charges I have found? Although I would probably settle now if the option was there but if I have to take it to court would rather do it for a worthwile amount and these extra charges would take the claim to £2100.

Any advice anyone??