Claim back any unfair bank charges! Article Discussion Area

shaun1977

sallywoo wrote:

i sent my letter to bank under data protection with a cheque for £10 2 weeks later cheque has not been cashed so i sent the letter agine this time stapeling a ten pound note to the letter includeing number of note in letter.
am i right in asuming as soon as the letter is receved the £10 will be accepted and the acount in dispute?




the bank are trying to skin me for unpaid charges and are covenently loseing my letter's

today i was talking to the bank telling them that i cant pay the charges as i am off work with a dislocated shoulder arm in a sling for the next few month and there responce "get a job":mad: cheeky i asked to talk to a manager and convenently theres none avalabul were soposed to phone me b4 9 pm thats now.
i am descusted realy am so its going to be with a big smile i receve the payments back

nothing surprises me anymore with them. igroup did that with me. sorted them out with a huge grin on my face. you need to send a follow up letter in the circumstances reminding them of their obligations

jackieB_5

Having been a customer for many years and a regular customer who overdraws with no problems.They have suddenly clamped down on my overdraft facility. I said I would get a loan to remove my overdraft and clear up credit card balance. They suggested their loan, saying if I accept their loan they wouldnt charge me bank charges against my overdraft. Having viewed this site and found a better loan, l refused RBS. Now my last two statements have charged me £40 and £30 respectively!!.
I am now changing my bank account and will follow Martins tips to get my money back.

Edinburghlass_2

jackieB wrote:

Having been a customer for many years and a regular customer who overdraws with no problems.They have suddenly clamped down on my overdraft facility. I said I would get a loan to remove my overdraft and clear up credit card balance. They suggested their loan, saying if I accept their loan they wouldnt charge me bank charges against my overdraft. Having viewed this site and found a better loan, l refused RBS. Now my last two statements have charged me £40 and £30 respectively!!.
I am now changing my bank account and will follow Martins tips to get my money back.

Good for you Jackie :T

Its always nice to hear that a user has found information and used across all the boards by reading Martin's articles

blinkingbank!

I have just come back from my bank, I went to talk to them about the £30 excess fee that had put on my account yesterday, they also took out overdraft interest and account charge total £16.26 < that amount made me go over my overdraft of £800. The woman I spoke to said the £30 excess fee was because I went over my overdraft a few weeks back and has nothing to do with the £16.26 they took out yesterday which doesnt change anything really it was still taken out.
She said it was me that made myself get overdrawn and not the £16.26, of which I told her 'no I had £20 in my bank which I could take out this week and so I did, and then later on that day they took out the £16.26' which she said no that it would have been taken out first thing to which I replyed 'how was I then able to go to the cashpoint and take out?' £20. she said nothing.
Now I said that the £30 excess fee wasnt legal to which she said it was as it was I who made my account overdrawn. She then went on to ask if I wanted a £3000 loan to pay of a major bill and pay the overdraft off at £25 a month for 5 years which I said no to as my major bill will be gone in under 2 years time. So because of the charges this wek i now have £17.45 in my account till next Wednesday. i'm a single mum of 2 kids and dont work so Im surprised that she even offered me the loan.
I dont know where to go from here, maybe find a sugar daddy to pay off my account ?
Any1 got any advise please ?

jackieB_5

Well Ive just opened a new bank account. Soon as it opens I will write and ask for my charges back!. Keep you posted.
Thanks Martin xxxxxx::j

jamesh008

What about unfair charges from other financial institutions. I am just about to pay £30 to cancel an insurance policy that runs out in 35 days. I have to cancel as otherwise my no claims bonus cannot be transferred to my new insurance. I am sure it does not cost £30 to cancel this, any letter writing is completely unnecessary. Especially when you have to give so much personal information to speak to someone about your policy anyway!
Thoughts?
James.

Spriggsy_2

Hi and thanks to money saving expert, just recently i have made a claim for unfair bank charges at Barclays, now they have offered a defence and i got the allocation notice which i filled in and sent back to the court, together with another £100, well now i have a letter saying that the court wants a
1/ provide details of the account in repect of which it is alleged charges have been made.
2/ set out the legal basis for his claim that the charges are unfair and unjust.
3/set out a full breakdown of the way in which the sum claimed has been calculated including the date on which each charge was applied to his account and the sum on each occasion.
sorry but im a bit of a layman and dont seem to understand what i have to do next,
can some one please help me out here
thanks Andy

Edinburghlass_2

Have a read through Martin's article here and join up to CAG forums where you can get loads of help

mikeb222

does this apply to mortgage charges also?

Couple of years back I had problems paying my mortgage, they really screwed me with charges, it would be lovely to get them back.

Mike

Matty1_2

I closed my Barclays account after 25yrs, due to excessive bank charges (I know, it took me some time). I switched banks in Nov 2004. Would I still be entitled to claim unfair charges against Barclays for the time I was with them?