Claim back any unfair bank charges! Article Discussion Area

vivalasvegas_2

Hi

I apologise if this has been covered somewhere else and I missed it. What is the position if I've been notified of the charges, but they haven't actually been taken from my account yet? Any tips on getting the charge cancelled or stopped? It's £35 for a standing order not being paid from the Lloyds TSB. It's the first penalty charge I've had in around 4 years.

Thanks very much,

Bethan

westable

thecornflake wrote:

Hi,

You should try and get a parachute account if you haven't already. This is in case they do close your account (some do, some don't) and is worth opening before your claim goes through.

Check out basic bank accounts as your credit rating may affect your ability to apply for others. The CAG forums have some good threads on basic accounts - search on there for 'parachute' and you'll find them.

RBOS generally leave it fairly late to cause you maximum cost (you get it back though) and try and put as many people off as possible. Stick with it and you will get your charges back. If they do close your account you might have to use the refund to pay back the overdraft, but think of the interest you'll be saving!

If you have any more questions post here or on the CAG forums - There are a few CAG members like myself here as well so you've got lots of support and help available.

Thank you, how do i get to the CAG pages.

thecornflake

Hope it's ok to post links here.

https://www.consumeractiongroup.co.uk/forum

You need to register (free of course) to see certain sections. Please read the FAQs before asking any questions there as the mods are very busy at the moment (which is a good thing!).

thecornflake

vivalasvegas wrote:

Hi

I apologise if this has been covered somewhere else and I missed it. What is the position if I've been notified of the charges, but they haven't actually been taken from my account yet? Any tips on getting the charge cancelled or stopped? It's £35 for a standing order not being paid from the Lloyds TSB. It's the first penalty charge I've had in around 4 years.

Thanks very much,

Bethan

You could try calling them and asking for it to be cancelled. This can work for one-off charges.

If not, then claim as everyone is doing, although if think you're going to get more in the near future you may want to wait so you can include them (I think you can add charges that occur while you're going through the process anyway).

paulp911

Hi all I'm this is my first time ,I'm with the nat west has anyone had any success with claiming charges back from them? Also how do i start is it just a case of first finding out how much you are owed and how far back can you go? After you find out how much what do you do then can someon please advise.meanwhile I will continue to read forums to pick up as much as I can but would like some confirmation from someone in the know so to speak.Many thanks to any replies and the time and effort made by you all.
Regards
Paul

alwaysskint96

jubarnes26 wrote:

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:

Did ypou have any problems with them threatening to close your account at all?

zeddy_2

dchurch24 wrote:

You haven't mentioned which bank it is.

Hi

Sorry for the delay, I've not been on the net!

The bank I am trying to reclaim from is Barclays. Do I make the cheque payable to them then (in order to request my DPA stuff)?

Also, has anyone else claimed back from Barclay's successfully - kind of hoping they don't want me to pay back my overdraft immediately, because that's an impossibility!

mjanet

thecornflake wrote:

You could try calling them and asking for it to be cancelled. This can work for one-off charges.

If not, then claim as everyone is doing, although if think you're going to get more in the near future you may want to wait so you can include them (I think you can add charges that occur while you're going through the process anyway).

You can add charges up to the time you submit your claim into court.

mjanet

paulp911 wrote:

Hi all I'm this is my first time ,I'm with the nat west has anyone had any success with claiming charges back from them? Also how do i start is it just a case of first finding out how much you are owed and how far back can you go? After you find out how much what do you do then can someon please advise.meanwhile I will continue to read forums to pick up as much as I can but would like some confirmation from someone in the know so to speak.Many thanks to any replies and the time and effort made by you all.
Regards
Paul

Yes there are succeses with natwest. If you register (free) at https://www.consumeractiongroup.co.uk you can read the FAQ's there , a step by step guide and letter templates.You can also read the forum on Natwest where you can read other peoples experiences and how natwest responds to each step you take.

mjanet

zeddy wrote:

Hi

Sorry for the delay, I've not been on the net!

The bank I am trying to reclaim from is Barclays. Do I make the cheque payable to them then (in order to request my DPA stuff)?

Also, has anyone else claimed back from Barclay's successfully - kind of hoping they don't want me to pay back my overdraft immediately, because that's an impossibility!

pay to Barclays Bank PLC ..Yes there has been successes with Barclays if you go to https://www.consumeractiongroup.co.uk there are different forums for each bank , including Barclays . for people who are claiming

They can call your overdraft in any time ... do you think what you will be reclaiming will come to more then your overdraft ?