Claim back any unfair bank charges! Article Discussion Area

shaun1977

fgaughan wrote:

Interesting to see where you can get your money back on bank charges..
But I am sure I have seen in small print that the bank are allowed to charge if you go over drawn esp when you have signed agreement

they can charge you for being overdrawn but not when it is because of penalties. an they can only charge an arrangement fee for the service not penalise you for it and make a profit, so we claim the unauthorised overdraft fee back on that basis.

fgaughan

shaun1977 wrote:

they can charge you for being overdrawn but not when it is because of penalties. an they can only charge an arrangement fee for the service not penalise you for it and make a profit, so we claim the unauthorised overdraft fee back on that basis.

Sorry I am a bit thick but I still don't get it.

If I can remember correctly I was over drawn by a pound bank charged me £30.
When I couldn't pay that in time they charged me another £30.
So in autual fact the last £30 was wrong? I claim the last £30 back?

What if I went over drawn on pupose? ie on a night out drunk and overdrawn my money. they charge you the first £30 which is correct?

Hope you understand what I am saying as I find all this a bit confusing.

When it comes to computers I am a nerd and find it easy but money and bank charges confuse me.
Banks get away with it with people like me (except pc world)

shaun1977

fgaughan wrote:

Sorry I am a bit thick but I still don't get it.

If I can remember correctly I was over drawn by a pound bank charged me £30.
When I couldn't pay that in time they charged me another £30.
So in autual fact the last £30 was wrong? I claim the last £30 back?

What if I went over drawn on pupose? ie on a night out drunk and overdrawn my money. they charge you the first £30 which is correct?

Hope you understand what I am saying as I find all this a bit confusing.

When it comes to computers I am a nerd and find it easy but money and bank charges confuse me.
Banks get away with it with people like me (except pc world)

hi nope you claim both the £30's back they are both classed as a penalty, have a look at www.!!!!!!.uk all the answers and letters you need are there.
if you do it on purpose then it is wrong but by law they are still not allowed to make a profit from you via a charge for this.

fgaughan

shaun1977 wrote:

hi nope you claim both the £30's back they are both classed as a penalty, have a look at www.!!!!!!.uk all the answers and letters you need are there.
if you do it on purpose then it is wrong but by law they are still not allowed to make a profit from you via a charge for this.

Thanks I understand it better .
Arent they allowed to charge anything? taking money out when its not there surley they are alowed to charge?

sabelu

Lloyds TSB have asked for extra 10days to sort out my claim, I am ready to go to Moneyclaim and their 14 days expires this weekend, should i give then the time?

shaun1977

fgaughan wrote:

Thanks I understand it better .
Arent they allowed to charge anything? taking money out when its not there surley they are alowed to charge?

yes but if you think about it if they had never charged you in the last six years you would have money in your account, there are no hard and fast rules as every circumstance is different, but we use it to our advantage for once.

shaun1977

sabelu wrote:

Lloyds TSB have asked for extra 10days to sort out my claim, I am ready to go to Moneyclaim and their 14 days expires this weekend, should i give then the time?

yes you need to be seen to be as helpful as possible to the courts even thogh it wont get there.
so you need to send them a letter acknowledging this. you will find it at www.!!!!!!.uk

Lovingitifitsabargain

We had an account with the Abbey (closed it down about 4 years ago) we were hit with loads of charges - since then we have moved house and have a new bank account - I know we can go back 6 years - only snag and it's a biggy is I haven't a clue what my account number was as has thrown all previous paperwork away as never dreamt I would need it all these years later - any suggestions ???

smithsu01

Hi,

Believe it or not it was a customer service advisor at my bank who first (off the record) pointed out that I could claim back charges. Due to a lot of money problems I had been charged £1200 over only 4 months and as such had written to the bank complaining. That was 3 weeks ago and I have yet to hear back but on investigating further am now wondering about going back the full 6 years (which would probably double this at least). Would it do me any harm to pursue this current amount first then try for the older stuff?

Also I notice theres not been many replies to the Scottish queries and just wondered if anyone had pursued RBS and what luck they'd had - or not.

Thanks very much

shaun1977

Lovingitifitsabargain wrote:

We had an account with the Abbey (closed it down about 4 years ago) we were hit with loads of charges - since then we have moved house and have a new bank account - I know we can go back 6 years - only snag and it's a biggy is I haven't a clue what my account number was as has thrown all previous paperwork away as never dreamt I would need it all these years later - any suggestions ???

hi, you need to add it to the dpa as a sar request, you will find this at www.!!!!!!.uk. someone has just won today on a closed account.