Claim back any unfair bank charges! Article Discussion Area

dchurch24

If it's a penalty for a breach of contract, then yes, the same law applies.

just_me_12

just thought I'd post this link where they are looking into illigal bank charges.

http://wythenshawefm.radioregen.org.uk/messageboard/viewtopic.php?t=29&sid=50414884a9555cefa4599f68588cbcf7

or try searching google for wythenshawe FM and go to message board.
The thread is called "calling all bankers" :rotfl:

They even contacted the MP for Wythenshawe, INTERESTING...

Mr_&_Mrs_S

Does this apply to charges encurred due to the direct debit / standing order being honoured but taking us over the overdraft limit as currently we are being charged for the payment being met and then being charged for going over the overdraft limit.

ms_london

Hi. Its dawned on me that I can still try to reclaim unfair bank charges despite no longer oweing any money to the bank. My question is, what counts as an unfair bank charge? Could I try and claim ALL bank charges back? Or just particular ones? I have just requested the last 6 years worth of statements from my bank (£10), so would appreciate some help as to the next step..

I suspect it will take me a while to plough through the statements, but wanted to know what I can legally claim back as I dont want to take the p***!!

Please help!!

xx

spo_2

Hello,

Has anyone tried GE Money to claim charges from?

They seem like they're a bit tougher than the banks - the response I got was very abrupt and didn't seem to care unlike the banks' pandering letters!

If anyone's had any luck please let me know.

Kind regards,
Stephen.

kaznelson

ms_london wrote:

Hi. Its dawned on me that I can still try to reclaim unfair bank charges despite no longer oweing any money to the bank. My question is, what counts as an unfair bank charge? Could I try and claim ALL bank charges back? Or just particular ones? I have just requested the last 6 years worth of statements from my bank (£10), so would appreciate some help as to the next step..

I suspect it will take me a while to plough through the statements, but wanted to know what I can legally claim back as I dont want to take the p***!!

Please help!!

xx

You can claim back any charges for unauthorised borrowing ie going over your overdraft limit, returned cheques etc. But you cant claim for a monthly fee that you may pay for having additional services added to your bank account.

kaznelson

spo wrote:

Hello,

Has anyone tried GE Money to claim charges from?

They seem like they're a bit tougher than the banks - the response I got was very abrupt and didn't seem to care unlike the banks' pandering letters!

If anyone's had any luck please let me know.

Kind regards,
Stephen.

Dont let them bully boy you, its your money and your entitled to it

Take a look on the CAG, somebody there has probably taken them on!!

Sarahsaver

How long do they have to provide the info you request? I have just asked nat west for my statements and it took over a week just to get a reply to my request, but no statements yet

lindens

They have 40 days to give you the copies under the DPA. If they don't you can report them.
If you visit the CAG and read the FAQ's it explains it in more details, and explains the whole process you may have to go through to get your money back.

owenp

bookworm1363 wrote:

There's no telling. Some do, some don't. If you need your overdraft, would the refund on the charges cover the overdraft? They can't actually close your account if the amount owed is in dispute, they can once the dispute has been settled.

There's one thing I find really worrying. My bank, Abbey, could close my account if I successfully claim back my charges. Well OK that's their perogative I suppose. But it seems that that would be entered on my credit file as something akin to a default!!!

Can this be right? I claim back what is rightfully and lawfully mine and could then be 'punished' in this way? It's taken years to get my credit rating back after previous problems. I just can't believe they could do that.

Can they???