Claim back any unfair bank charges! Article Discussion Area

Lovingitifitsabargain

PONDSAVER wrote:

You can claim - I claimed mine and OH's back from thema nd they paid in full. Yes you signed there T&Cs but it is still unfair charges - go for it

Not sure what to write how did you word it when you said it was unfair charges ? thanks

shaun1977

Lovingitifitsabargain wrote:

Not sure what to write how did you word it when you said it was unfair charges ? thanks

Hi, go to https://www.!!!!!!.uk/forum all the letters you need are there for you, and if you need help just ask them

debann

Lovingitifitsabargain wrote:

Not sure what to write how did you word it when you said it was unfair charges ? thanks

I used the template from http://www.unfair-bank-charges.com/

Strontium_Dog_2

Hi, my first ever forum!
Could anyone offer any advice concerning reclaiming charges whilst being overdrawn?
As I bank with the A & L, who seem to be the worst of a very bad bunch!What's the prospect of them closing the account and demanding immediate repayment of monies owed?
I have set up another account but having just graduated, as a mature student, I am desparately trying to avoid, probably can't!?, borrowing any more money. Consequently if they demand repayment I am not in a strong position.
Any advice greatly appreciated.

Thanks in anticipation.:question:

kazzachick

Hi there,
I wrote to my bank the Halifax a month ago to claim back £314 in charges, they sent me a letter offering me £40, I sent them the next letter saying thanks but no, I received a letter on Friday offering £118, stating that this was six months worth of charges as a full and final settlement.

The letter then goes on that if it is not the response I was hoping for, to comply with legislation, that if I remain unhappy I can refer my concerns to the Financial Ombudsman etc etc...

Anyway, I was just wondering if I should just take this offer and what everyone else has done. Any Advice would be apprieciated Thanx Karen

shaun1977

kazzachick wrote:

Hi there,
I wrote to my bank the Halifax a month ago to claim back £314 in charges, they sent me a letter offering me £40, I sent them the next letter saying thanks but no, I received a letter on Friday offering £118, stating that this was six months worth of charges as a full and final settlement.

The letter then goes on that if it is not the response I was hoping for, to comply with legislation, that if I remain unhappy I can refer my concerns to the Financial Ombudsman etc etc...

Anyway, I was just wondering if I should just take this offer and what everyone else has done. Any Advice would be apprieciated Thanx Karen

hi, certainly do not take this offer, it is just a standard response, there is a refusal letter at https://www.!!!!!!.uk/forum keep going and you will get all your money back

shaun1977

Strontium_Dog wrote:

Hi, my first ever forum!
Could anyone offer any advice concerning reclaiming charges whilst being overdrawn?
As I bank with the A & L, who seem to be the worst of a very bad bunch!What's the prospect of them closing the account and demanding immediate repayment of monies owed?
I have set up another account but having just graduated, as a mature student, I am desparately trying to avoid, probably can't!?, borrowing any more money. Consequently if they demand repayment I am not in a strong position.
Any advice greatly appreciated.

Thanks in anticipation.:question:

Hi, start your claim is the simple answer. if they do close your account or recall your overdraft all you would need to do is offerthem a repayment that you can comfortably afford, all the letters you need are at https://www.!!!!!!.uk/forum

kazzachick

Thanx, got the letter so here it goes fingers crossed!!!

stevie_show

i cannot find it so i am assuming you cannot claim back
i paid off a mortgage 15 years early and got hit with about 1500 in chargers for the privalige can i claim this back, or am i getting greedy

stevieshow

shaun1977

stevie_show wrote:

i cannot find it so i am assuming you cannot claim back
i paid off a mortgage 15 years early and got hit with about 1500 in chargers for the privalige can i claim this back, or am i getting greedy

stevieshow

your definately not greedy however the claim limitation for mortgages is 12 years. have a look at https://www.!!!!!!.uk/forum for more info.