Claim back any unfair bank charges! Article Discussion Area

Gimmymymoneyback

hi could anyone tell me we have just recived a letter from the halifax stateing we refused thier offer.now should we give them 14 days or put the court claim in.not to shaw if we have to. they seem adament and unreasonable and im getting to the stage where im wanting thier blood .sorry for getting angry

goldfiner

Dear Moneysavers.
I have just written a letter to my high street bank in order to complain about charges for overdraft letters and set up fees,as there have been more than one in 12 month period and some 20 letters this year.
I am responsible for going outside the limit and therefore put my hands up to my stupidity for prompting the bank into action and thus reminding me that i have exceeded the limit by 145.00 etc. It is now waiting for me to post and all of a sudden i am nervous to start the chain reaction.
I have over a period of years been overdrawn to the levels up to£15,000.00 and at times exceeded that limit for a few days before placing funds in the account. This has then started the flow of letters,so I am at fault but does this exclude me from making a claim?

pfraser

I've recently discovered that my 71 year old father, who lives alone and is experiencing difficulty managing his life, has got into financial problems. I asked him to send me copies of his bank statements for the past three months. On several occasions he exceeded his overdraft limit (£100) by £10-£20, usually for a couple of days in the week before his pension was paid into his account bringing it back into a credit balance. Over the three month period he has been charged nearly £300 in fees for standing orders and direct debits. On several occasions it was the imposition of fees that took his account into overdraft. I am going to see him next week and plan to visit the bank with him. In my opinion he is an 'at risk' person and has been treated abominably by the bank - no-one has ever explained the fees structure to him and he was oblivious to the charges until I pointed them out to him. Any advice please?

melpomene

pfraser wrote:

I've recently discovered that my 71 year old father, who lives alone and is experiencing difficulty managing his life, has got into financial problems. I asked him to send me copies of his bank statements for the past three months. On several occasions he exceeded his overdraft limit (£100) by £10-£20, usually for a couple of days in the week before his pension was paid into his account bringing it back into a credit balance. Over the three month period he has been charged nearly £300 in fees for standing orders and direct debits. On several occasions it was the imposition of fees that took his account into overdraft. I am going to see him next week and plan to visit the bank with him. In my opinion he is an 'at risk' person and has been treated abominably by the bank - no-one has ever explained the fees structure to him and he was oblivious to the charges until I pointed them out to him. Any advice please?

You can go to the bank & appeal to their better nature - they may waive the fees on the famed goodwill basis. Your dad is fully entitled to a refund, & you know the details of the charges levied, so I'd go right ahead with a *Request for Repayment of Charges*. All you have to do is use the appropriate template & fill in the blanks. This could be a lot less stressful than hanging around the branch.

melpomene

hammers wrote:

Hello.. need some advice plz...

Received all my statements going back 6 years from First Direct..
Calculated that the charges came to £1783... sent a letter with a printout of the charges and asking for them to be paid back.....

Received a letter today offering me £1515...... should I accept or press on for the full amount.... part of me thinks I should accept and be happy with getting that much back.....

What do you reckon?

Hammers

Press on. It's a bit like Deal or No Deal with FD - they messed about with my claim something chronic until they ended up incurring solicitors costs. It took a coulpe of weeks longer (& i was losing my nerve), but no, hold on. You'll get the full amount. I did!

shareef

My father paid a visa card bill on the due date of the bill (he does not normally do this). He paid it via cash into their branch, but has been surprised to find out on his next bill he's incurred a late charge plus interest. When he rang them, they cited they need 3-4 days to process these payments and therefore his payment fell over the due date despite him paying on time. Surely that can't be right, so he could pay 2 days before the due date but still incur charges? Thats ludicrous! I've written a strong worded letter, because the logic behind that just seems insane, are they right?

shaun1977

shareef wrote:

My father paid a visa card bill on the due date of the bill (he does not normally do this). He paid it via cash into their branch, but has been surprised to find out on his next bill he's incurred a late charge plus interest. When he rang them, they cited they need 3-4 days to process these payments and therefore his payment fell over the due date despite him paying on time. Surely that can't be right, so he could pay 2 days before the due date but still incur charges? Thats ludicrous! I've written a strong worded letter, because the logic behind that just seems insane, are they right?

its the old antiguated banking system :mad: regardless its still a penalty charge so claim it back

Dammam

crazyeyesharry wrote:

hi ive been reading this for while and there doesnt seem to be many people winning from lloyds bank, i am at the stage that i have issed a court claim and they have aknowledged it (giving them 28 days not 14 to respond) i am a bit worried that lloyds arnt paying out like hsbc or halifax who seem to pay out easy, should i be worried?

Lloyds pay out without any problem (except delaying for a few months and taking it to the brink of court action before settling). They will probably try to make you accept less than your claim at first - refuse this. They will also ask for you to sign a non-divulgence disclaimer and ask you to have a 'meeting' with your Bank to discuss your financial affairs. Depending on how much you claim, they may also ask you to return your cheque book (although they let me keep my overdraft and debit card after my £5000 claim).

DON'T WORRY.

Dammam

Incidentally, my wife has an Abbey account into which she pays tax credits, family allowance etc. She wrote a cheque for £10.79 a couple of months ago. It was never cashed and she forgot about it. Last week, it was presented to the Bank and paid. It made her £4.62 overdrawn for 24 hours.

For this, she was charged £50 in fees! Easy money.

I phoned them up on her behalf and they returned the charge "as a goodwill gesture" before explaining that it was her fault and their charges were explained and therefore fair! I didn't argue with him :-)
Before these threads, we would never have dreamed of asking for charges back, let alone suing.

elle898

Hello,
I hope someone can help me?
I am trying to claim back £1400 from HSBC, I have sent the first letter and the second letter with the spread sheet but they are saying they will not refund me my charges.
Should I pay the £120 to moneyclaim, and if so do you think HSBC will pay up?
At the moment HSBC are charging me £125 every month and they make me over drawn and then do it again the following month!
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