Claim back any unfair bank charges! Article Discussion Area

bookworm1363

westable wrote:

I need to know if i should pursue it further. Help would be much appreciated.

Thank you.

Neill

Only if you want it back

Personally, I would, but I'm funny like that!

moonrakerz

westable wrote:

Hello i am new to the forum, i read this site with regards to bank charges and went ahead and tried to claim back from my bank. The overall charges from 2 and a half years ago came to just over £1600. These charges were from going over overdraft and not being able to honour cheques some of small amounts and some of larger £99.00. Is it possible to claim all charges back? They have put £400.00 back into my account. I need to know if i should pursue it further. Help would be much appreciated.

Thank you.

Neill

Welcome to MSE.

Yes ! go after all of it. They have taken £1600 off you unlawfully - why should you settle for 25% of that.
If someone took £100 out of your pocket and you caught him, would you let him go if he offered to give you £25 back ????

broomey

Just a gentle nudge here. Please remember to try and make a small monetary contribution to the bank action group website. Without these people the majority of us would have no idea where to start with trying to reclaim these charges. They have provided all data and letter templates that are needed all for the princely sum of nowt. They ask for a donation of 5% of the amount you manage to claim back but I'm sure any smaller amount would be greatly appreciated. I'm not connected to these people in any way, just trying to do my bit.

absolutefox

Can anybody point me in the right direction to calculating overdraft interest at 8%. I'm sure I seen a quick calculator somewhere on this website last week but for the life of me can't remember where. Need to send my prelim request for payment letter off tomorrow and am clueless about how much it would be

latesaver

My son has been struggling to stay the right side of his overdraft for many years, owing to a low wage and high mortgage. He has been charged punitive amounts in charges by Barclays, often the maximum £60 in a charging period, causing him even further hardship. Has anyone tried to claim these sorts of charges back (especially from Barclays)? Is it worth my son having a go?

Slayerx

Well I mentioned this to my parents and have started to help them get the letter templates so they can claim them back

westable

i will proceed further, i'm going to write down all of the charges and proceed with court action, fingers crossed. Thank you all for help. I will keep you updated.

Neill

westable

i am new to this forum, but i say go ahead, your son is legally entitled to that money. Pursue it further.

westable

latesaver wrote:

My son has been struggling to stay the right side of his overdraft for many years, owing to a low wage and high mortgage. He has been charged punitive amounts in charges by Barclays, often the maximum £60 in a charging period, causing him even further hardship. Has anyone tried to claim these sorts of charges back (especially from Barclays)? Is it worth my son having a go?

I say go ahead, i am new to this forum but everyone is supportive and the money is legally your sons.

bookworm1363

absolutefox wrote:

Can anybody point me in the right direction to calculating overdraft interest at 8%. I'm sure I seen a quick calculator somewhere on this website last week but for the life of me can't remember where. Need to send my prelim request for payment letter off tomorrow and am clueless about how much it would be

You don't need it if you're at prelim stage. You'll only need it when, and if, you need to issue county court claim, as it is the statutory APR allowed by County Court Act.