Claim back any unfair bank charges! Article Discussion Area

shaun1977

aaron.71 wrote:

hiya.

Little advice needed. just completed the calc spreadsheet for claim - total £4624.17. ( The royal bank of scotland )
Is it true that I could claim back the interest they have taken on my overdraft?

If so, this could take the final figure above 5k.

mmmmmmm.....

hi you can claim the interest they have charged on the charges, go to https://www.!!!!!!.uk/forum and have a read or post your question;)

aaron.71

Just to keep you informed, here are my submitted claims so far -

HSBC - £3695.58
RBS - £4624.17? ( posting today )( now stands at £4919.88 )
Platform - £432.47

Claims awaiting Statements -

Capital One (1)
Capital One (2)
Alliance & Leicester (closed account)

:beer: :beer: :beer:

sarah_v_m

Hi, I need advice!
I was charged £35 twice for the same cheque bouncing a couple of years ago because I was given the impression I had an overdraft arranged but didn't.
Anyway I wrote to the bank (Natwest) about it and they said they were fair charges blah de blah but as a 'gesture of good will' (!) they would offer me £35 back.
Should I accept or take it further? I don't know if it's worth all the hassle for £35 extra and I may end up losing more money by taking legal action. But actually it should be more than £70 because of the inconvenience caused and the interest I have lost on the money.
Please Help!

shaun1977

sarah_v_m wrote:

Hi, I need advice!
I was charged £35 twice for the same cheque bouncing a couple of years ago because I was given the impression I had an overdraft arranged but didn't.
Anyway I wrote to the bank (Natwest) about it and they said they were fair charges blah de blah but as a 'gesture of good will' (!) they would offer me £35 back.
Should I accept or take it further? I don't know if it's worth all the hassle for £35 extra and I may end up losing more money by taking legal action. But actually it should be more than £70 because of the inconvenience caused and the interest I have lost on the money.
Please Help!

its your money, and i doubt they would let £35 get to the court stage and even if they did you get that back for the sake of a stamp get your £35. go to https://www.!!!!!!.uk/forum for more info

sabelu

Just received 5 bundles of statements back from Citibank, via DHL from Paris, in response to my request will have to sift through and list the charges, big job. How far can you go back is it six years and from what date? Your original request letter or moneyclaim claim date?

sabelu

shaun1977 wrote:

hi its from the day you submit plus 5 days to being deemed served so 33 days from issue date. more info at https://www.!!!!!!.uk/forum

Is that the time I submit to moneyclaim or the acknowledgement from them that I have submitted?
If you miss the date does it automatically deal with the claim anyway?

shaun1977

sabelu wrote:

Just received 5 bundles of statements back from Citibank, via DHL from Paris, in response to my request will have to sift through and list the charges, big job. How far can you go back is it six years and from what date? Your original request letter or moneyclaim claim date?

Hi, its 6 years in England and 5 in Scotland, starts from the date of the DPA letter.

get that highlighter out and send this

shaun1977

sabelu wrote:

Is that the time I submit to moneyclaim or the acknowledgement from them that I have submitted?
If you miss the date does it automatically deal with the claim anyway?

look here http://!!!!!!.uk/forum/index.php?topic=12.0

its not done automatically.

Hillyone

I've already reported success in getting unfair charges back from Nationwide by bringing in the Financial Ombudsman. Thought I'd let you know that I've had my refund, followed up by a letter from Member Account Servicing referring to their refund "as a gesture of goodwill". They've now required me to sign an agreement "to fully adhere to the terms and conditions of my account, including acceptance of fees and charges ... in line with (their) published tariff." If I do not, I will have to make alternative banking arrangements. The veiled threat, of course, is that they will require immediate repayment of my overdraft - which I can't begin to afford. I have therefore signed and returned my agreement - in the hope that the relevant financial authorities will urgently look at Bank charges in the same way they did unfair credit card charges.

shaun1977

Hillyone wrote:

I've already reported success in getting unfair charges back from Nationwide by bringing in the Financial Ombudsman. Thought I'd let you know that I've had my refund, followed up by a letter from Member Account Servicing referring to their refund "as a gesture of goodwill". They've now required me to sign an agreement "to fully adhere to the terms and conditions of my account, including acceptance of fees and charges ... in line with (their) published tariff." If I do not, I will have to make alternative banking arrangements. The veiled threat, of course, is that they will require immediate repayment of my overdraft - which I can't begin to afford. I have therefore signed and returned my agreement - in the hope that the relevant financial authorities will urgently look at Bank charges in the same way they did unfair credit card charges.

The fact you have signed the agreement does not alter the law as it didnt when you signed the conract to open the account, you can still reclaim the charges. Furthermore you signed under duress. one more thing they could not demand/expect full repayment of the overdraft.

go to https://www.!!!!!!.uk/forum for more info.