Claim back any unfair bank charges! Article Discussion Area

clayts

It depends how people are asking for this information. If folks are asking for duplicate statements then the bank are well within their right to charge £10 per page.

If, however, a person is seeking a subject access request under the Data Protection Act (ie specifically a list of all charges made in the last 6 years) the most they can charge is £10 in total although they must be allowed up to 40 days to produce this information.

dchurch24

Dave_L wrote:

Didn`t think (BLACKLISTING) was illegal, I once won at the County Court against an ficticious £800.00 bridging loan claim against the Midland Bnk
.

The 'blacklisting' would be illegal, as it would be defamation and an incorrect entry on your credit file, i.e. incorrect and defamatory personal information passed to a third party.

The 'debt' that they would be passing information about, would of course not be unenforcable, as it is lawful. Therefore, there is no debt, so to pass that information to a third party is a breach of the DPA for one!! Defamation for two.

langa_2

hi
does anyone know if the information in the article about claiming charges back from your bank, apply to northern ireland.
thank you

dchurch24

Indeed it does - the law applies through out the UK and British Isles, although the procedure is slightly different in N.I. and Scotland.

Benson

Hi,

I have just been charged £30 yesterday for going 27p over my overdraft, i am about to call them but can you advise what the best thing is to say?

If i just ask for the charge to be cancelled then can the operative do that or will they be snotty about it and refuse?

Just wondered what they best thing to say was?

Thanks

tracy1975

My husband and I are currently on a debt managemaent plan with CCCS, alot of the debt is mainly due to bank and credit card charges, the bank and card companies have passed the debts over to their collections agencies who CCCS have been dealing with and making our monthly payments to.

What I wanted to know is:

Can we still reclaim the charges being on a debt management plan?

Would doing so jeopodise the plan?

Are we still able to reclaim the charges although they have beem passed on to collection agencies?

Do we send the letters to the bank and credit card companies on to the collection agencies?

Thanks,
Tracy.

traceya_2

Hi,

Someone may have already asked this question but i was just wondering, if the charges have been applied due to me going over any agreed overdraft limit, am i still entitled to claim these back.

Also, i have had some charges refunded in the past - does this mean i can claim the rest back.

Cheers
:-)

dchurch24

tracy1975 wrote:

My husband and I are currently on a debt managemaent plan with CCCS, alot of the debt is mainly due to bank and credit card charges, the bank and card companies have passed the debts over to their collections agencies who CCCS have been dealing with and making our monthly payments to.

What I wanted to know is:

Can we still reclaim the charges being on a debt management plan?

Would doing so jeopodise the plan?

Are we still able to reclaim the charges although they have beem passed on to collection agencies?

Do we send the letters to the bank and credit card companies on to the collection agencies?

Thanks,
Tracy.

The letters would go to the bank.

I have heard of CCCS walking away from the plan where some people have reclaimed their charges and not told them - as their main priority is to get your debts paid off.

The CCCS are excellent, and if you were to phone them and let them know, then I'm sure they will advise you what to do with the money once you get it back.

hmaffin

Am I the first to have read and be mentioning that Alliance and Leicester are now closing the accounts of people who have claimed back charges by threatening to take them to small claims?

Am I also wrong in thinking that banks have rules - if you go overdrawn there is a charge to pay - you accept these terms when you apply for a bank account, therefore if you go overdrawn you pay the charge - so to put it simply, don't go overdrawn. No?

Where's the difference with there being a rule that you can't park on double yellows. If you park on them, you get a fine. You go and park on them - you get fined. You can't then claim that back by threatening the police.

Or am I missing something?

jubarnes26

just to let everyone know the very nice people at First Direct have refunded my bank charges to the tune of £530 !!!!

Thanks to Martin and Dave who started all this, I hope you go to bed with a nice warm fuzzy feeling knowing you have helped so many people.

Cheers:beer: