Claim back any unfair bank charges! Article Discussion Area

tempest42

Joe-nodosh - Well done , why not post the freefone number..........
And did she put cream on your chocolate cake ...

tempest42

What about if you went bankrupt with that account? Would you be allowed to claim or not?

Not if you went down the bankrupt route.

Also I had an account with Natwest over three years ago, there's no way I can remember my account number and sort code, so how would I be able to make this claim?

You only need a name and address - oh and a postcode helps ,

zorogian

Hi, I left the Halifax because of the amount of charges i was getting on my account, i have not been with them now for about 8 months, can i still claim with an old bank account???

FieryBlondeScot

i have just been successful at reclaiming £412 of bank charges from alliance and leciester with the help of bob egerton from the bank charges site !!!!

next.... barclays!

Ohhohoho

I'm thinking probably not, but thought i'd just check before totalling what is owed to me

tempest42

Putting two and two together and considering how the halifax has treated my partner since we had to claim charges back (and got them back).
I would seriously recomend opening a couple of extra (not a halifax ad) accounts with different banks.
ie. one for holidays, one for motoring, one for weekly shop, one for.......
you all get the idea, just make them with different banks and set say a tenner moved by DD to keep the account alive.
If we all did this then they
(a) Couldnt hold us to ransom by bullying us with the threat of closing an account
(b) We would all be building wonderfull credit rateings
(c) Were just budgeting like Martin says, an account for each so you dont overspend.

Guess what Im doing on monday.

D.

ps I know everyone cant do this (credit rating etc) but when you can .... Would you ?

D.

superclio

Hi have a question. I moved to the US but kept open my current account in England as I had credit card debts I was paying off. I incurred various charges over the years for bouncing cheques, etc, so I could possibly try to claim for them except for this...I was sending money back to my account from the US every month to meet my card payment, one month the money didn't arrive but since it left my account in the US I didn't realize this was the case until all sorts of letters were forwarded to me - very late in the day - showing fees from the bank for my debits going out when I was over my overdraft, and needless to say enormous charges from the various different credit card companies who didn't receive my payments as a result. After 6 months of arguing with the bank here (in the US) and the bank in England, they finally found my money which was, I quote 'sitting on a ledger' as my the UK bank didn't know where to process it (my bank in the US had filled in my account number incorrectly, so I believe. Either way, they had my name - my parents and I are the only people in the entire United Kingdom with my last name - and I was calling their Global Wire Department so often that the people on the other end of the line began recognizing my voice and name, eventually greeting me with mounting incredulity: “you still haven’t found your money?” So incorrect bank account number or not, it should have been pretty easy to figure out the money was mine). I managed to get some fees refunded from the bank in the UK, about 70-80% that were incurred from this specific transaction, but none from any of the credit cards. The credit card fees put me so in the red that I couldn't cope with the amounts or the stress and eventually arranged IVAs with them all. Then the bank in England FROZE my account in December as the last time I had made a payment had been two months previous. They told me that money needed to be put into my account every month in order to keep it open/keep my overdraft. I explained my situation, the errors that had been made, none my fault, and how it had set me back, etc, etc. That I had been so patient with them why could they not show the same understanding and respect for me? That made no difference. I explained that they could take my overdraft away – I had no problem with that, just please please give me the time to pay it off, and keep my account open. I managed to get a payment sent to them to bring me out of the red - although when they froze my account I was WITHIN my overdraft limit. I am now in the black, but cannot use my debit card (which means I can't access my account online to keep up to date), but most importantly I cannot pay my IVAs as all my direct debits, etc are suspended. Instead I have to send money from the US and pay to send it to each individual credit card company instead of paying just once to send it to my UK account which then pays the companies. I told the bank that I was going to put in a complaint to the financial ombudsman, they said fine they would wait on my account to hear back from them. That was in January and truth be told I have not actually finished filling in the complaint to send in, but I think since I am now in the black the bank don't care so much, since I haven't heard a peep out of them other than receiving my monthly statement. Could I try to recoup all the other costs over the years? And what rights do I have regarding compensation for all the credit card fees that I incurred as a result of this? I am no longer in direct contact with the credit card companies as I made the slightly rash decision to pay a company to arrange my IVAs as I was so freaked out by the whole situation and couldn’t bear to open another bank letter .So getting the fees back from the actual credit cards I think is a non starter.

Any advice is greatly welcomed. This has been the bane of my life since the money first went missing in March 2005, and it would alleviate so much stress in my life if I could put this whole thing to bed once and for all.

stefbate

Hi, i have just been looking through my bank staements from the last 5 years, and shockingly the total came to over £3000!!! But i also noticed that there was returned cheque fees too, Would i be able to claim those back too. Thanks in advance for your help.

mark_steps

So does this include credit cards? I have come into some money and was gonna pay off some credit cards. Was just thinking i could clear them and say something like:
"I would like to stay with you but since i have had charges for being a day late in payments and i have otherwise been a good customer i would like to cancel my crdeit card altogether with yourselves, unless you can refund the charges. Thus i shall remain a customer. may i point out at this moment i have been a loyal customer...."

What do you think my chances are??

mjanet

So does this include credit cards?

yes it does .if you look in the libary section of http://www.bankactiongroup.co.uk there are letter templates that may be usefull to you