Claim back any unfair bank charges! Article Discussion Area

shaun1977

kronas wrote:

hi all,

i have a query, i am posting about going over my balance on a solo card, it was a withdrawral of £100, this was paid back the very next day, today i get a letter stating a overdraft fee of £25 which will be deducted on the 25th of october, do i have a case of reducing or not having to pay the fee ?

im with HSBC, any helpful advice would be appreciated

Hi yes you can claim this back, however i would make a phone call first and suggest they refund it before yoy start writing letters ect.

shaun1977

meb31 wrote:

I'm currently pursuing the Abbey in the final stages for £4111.05 including interest and costs etc, they have just wrote back to me, about 2 weeks into their 28 day court notice, saying they refuse to pay and they have already credited my account with £1200 (which i wrote and refused) and they will not be giving the full amount ever.

Is this just a scare tactic, i feel that it was but just wanted to check with you guys, what to do next????



Thank you in advance - you are all greattttttt!

just scare tactics carry on as normal

shaun1977

gtonge wrote:

Hi everyone,

I have received my last 6 years computer statements of my account after my first contact letter - they seem to be being very helpful which makes me worry they know more than me and I am going to look a bit of a fool!!
(Maybe paranoia has just set in!)

I am a bit unsure which charges can be reclaimed! I have just waded through the paperwork and there are not as many as I thought - I think the charges were about 7 years ago which is typical! However I do have a few hundred so probably still worth trying to get these back, can anyone tell me which of these I can claim for?

I have the following...

Charges capitalised (I presume yes)
overdraft fee
cheque clearance charge
unpaid direct debit charge (I presume yes)
unauthorised overdraft charge (I presume yes?)

Has anyone else had any luck with Norwich & Peterborough building society?

Thankyou

hi just the ones you said yes to

achtunglady

kronas wrote:

hi all,

i have a query, i am posting about going over my balance on a solo card, it was a withdrawral of £100, this was paid back the very next day, today i get a letter stating a overdraft fee of £25 which will be deducted on the 25th of october, do i have a case of reducing or not having to pay the fee ?

im with HSBC, any helpful advice would be appreciated

I was in a bit of a pickle and rang to ask HSBC if i could have a temporary overdraft of £100 which had to be paid off the following month. They said yes and then said it will cost £20, so in effect I ended up with £80 and paid them £20, and this was for an authorised arrangement. Now this arrangement fee cannot be claimed back, but the others can.

c14rky

Edinburghlass wrote:

Hi Alan, glad to hear you signed up after the Jeremy Vine show

If you sign up for the CAG forums you'll find a board there for each different bank and also one for dealing with the court system in Scotland.

Much appreciated, ill check it out now.

Thanks very much

gtonge

Thanks shaun - as helpful as ever. Can I reclaim the whole amount or just a proportion? for example the standard charge for an unpaid directdebit is £29.50 but can all of this be reclaimed?

shaun1977

gtonge wrote:

Thanks shaun - as helpful as ever. Can I reclaim the whole amount or just a proportion? for example the standard charge for an unpaid directdebit is £29.50 but can all of this be reclaimed?

hi, its the whole amount

gtonge

Thankyou, I will let you know if I get anywhere with them

the_iceman2288

I was getting close to being paid, so I only had small bit of money in my current account and then bam along comes a Direct Debit from out of nowhere and pulls me into the red by 45p for less than a day. Halifax then proceeded to rip me off for the sum of £30.

Where do I stand, is there annything I can do or do I grin and bear it?

mamazaac

I have recently changed my home insurance to a company not linked to the building society where my mortgage is held. The building society now say that I have to pay a fee of £30 as I am not using their recommended insurer. Somewhere in my memory banks, there is something telling me that I have read somewhere (possibly on this site) that lenders are no longer allowed to penalise you if you don't insure with them. However, the insurance is not with the building society themselves, it is with their "recommended insurer" so maybe that doesn't apply. Can anyone give me any advice on this please?