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Claim back any unfair bank charges! Article Discussion Area
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sponix wrote:Am I the only one that'd be relatively happy to pay reasonable and realistic bank charges?In my case the bank paid a Direct debit that took us just over our overdraft limit. For this they charged us £28 unauthorised OD fee and £30 DD payment fee. They have then charged us £30 for each subsequent DD. The £30s soon add up to one hell of a lot of money!What really annoys me is that we get statements a month after the event and the cashpoint is out of action around 50% of the time so we are unable to check our balance for weeks at a time!
You get a statement sent to your home. Is it really too much trouble to turn it over and continue to add your transactions until the next statement arrives, thereby keeping a running balance? If, like my bank did, they put adverts on the reverse, then use a piece of paper and copy the headings from the original statement for goodness sake!Surely it's not beyond the wit of man for the bank to send an automated letter when you are reaching your overdraft limit? (But before you exceed it?)After all, they know exactly what Direct debits are set up on the account, how much they are for, and when they will be leaving.0 -
sponix wrote:Am I the only one that'd be relatively happy to pay reasonable and realistic bank charges?
In my case the bank paid a Direct debit that took us just over our overdraft limit. For this they charged us £28 unauthorised OD fee and £30 DD payment fee. They have then charged us £30 for each subsequent DD. The £30s soon add up to one hell of a lot of money!
What really annoys me is that we get statements a month after the event and the cashpoint is out of action around 50% of the time so we are unable to check our balance for weeks at a time!
Surely it's not beyond the wit of man for the bank to send an automated letter when you are reaching your overdraft limit? (But before you exceed it?)
After all, they know exactly what Direct debits are set up on the account, how much they are for, and when they will be leaving.
They might do that if their aim wasn't to make a great big profit out of bank charges. It's a money making venture for them trading off of peoples mistakes and misfortune. It's crystal clear that it's unlawful but that doesn't stop the banks from behaving like gangsters.0 -
I have just watched the programme tonight and it got me thinking.
About 3 years ago i went over my overdraft and got charged i think it was either £30 or £60 i think it was just £30. It got me thinking should i bother. I cant remember the dates or the proper amounts just it was the summer of 03. It was definately less than £70 as my dear bro subbed me some money bless him to take me under the overdraft.
Is it worth it? I want to stick it to the banks but is it really worth it for the amount i would claim. If it was just £30 i would have to pay the £10 out to get all the charges info and then small claims court fees all for £30!!! I know i would get the fees back but dont know if all the time and effort is worth it!!0 -
For smaller amounts, you might be better just phoning them, or going into your branch, and asking for these to be refunded, rather than going straight down this route.
If they say no, you have to decide for yourself if you can put up with the bank taking your money.
I know I can't....0 -
Jonni2bad wrote:For smaller amounts, you might be better just phoning them, or going into your branch, and asking for these to be refunded, rather than going straight down this route.
If they say no, you have to decide for yourself if you can put up with the bank taking your money.
I know I can't....
i know it makes me mad that they have nicked my money, but just do not have the time or energy to chase them up and get stressed out for what could end up being £30!!!!
I might give them a ring tomorrow and see what they say. How should i word it? As i dont know the exact dates all i know was summer of 03 and it was less than £70!!0 -
In all honesty, with these being some considerable time ago, your chances of them refunding through a call are slim.
Once you have registered on consumeractiongroup and read a little about the FAQs etc, then really the work is done for you, templated letters etc. So yes, possibly £10 for the DPA, although some users are not charged at all, others less, but the time you will spend chasing it is limited. There may be more than just a couple you know....it's amazing how time lets you forget!0 -
You won't get very far if you just phone them and say "well, I know you took some money off me, but I can't remember when exactly and how much..., now gis it back"... They'll laugh at you.
Old statements?0 -
skippy123 wrote:i am new to forum could somebody give me some advice on how to access letter requesting amount that i have paid in fee's over last 6 years as i have no idea although i would imagine quite alot. have looked on cag page but cannot work out how to register.thanksWish I could stop editing EVERY post I make :mad:0
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Thanks guys I am going to think about how to progress today, and see if it is really worth it for £30.
By the way has anyone called into their branch and asked for the statements their and then?0 -
I've gone after Smile for just over £100 charges levied against me for going £200 over an agreed overdraft limit when I had about £10K sat in other accounts with them. Customer services were useless and only offered half of the daily charges back, and no refund of the initial fee.
I'm delighted to say that all of the money has now been refunded to me, and they have had a rather terse reply from me regarding the whole matter. Unsurprisingly, they have lost all of my future business, which is pretty stupid really, assuming that they want to make money.
Good luck to everybody else who is claiming back unfair charges.0
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