Claim back any unfair bank charges! Article Discussion Area

bookworm1363

CTT wrote:

Its great news for all of you who broke the terms and conditions and despite this you can claim your charges back. Unfortunately this now appears to be at the expense of credit worthy customers who will have to pay higher interest. Still perhaps in a couple of years we can go to court and get them reduced or refunded.

Weeeell, it's been great news for years for all the greedy bstrds who have been quite happy to have their free banking subsisided by the more vulnerable part of the population, so I guess what comes round goes round, hey? In the long run, history shows that it's still the greedy bstrds who come out on top, so I wdn't lose too much sleep over that, frankly. Or I could even take a leaf from the greedy bstrds' book, and say: "I don't care!!!"

bookworm1363

Babe28 wrote:

Can anyone help me please? Am now in process of sending my 2nd letter, have filled all details in on site ( money claim) to claim charges but I am on benefits at the moment and cant pay the £80 fee at present. Theres nothing on the site to say you don't have to pay the court fee if you are on benefits. What do I do?

If you are on certain benefits, you do not have to pay Court fees, but you can't put your claim online either, you will have to go and file in your local courts with proof of your exemption. The form is called an N1 and can be downloaded. There is a link for that and another link to a list of who's exempt or not in the CAG Library, click on my sig and register free for access.

oldwiring

bookworm1363 wrote:

......They were then, they are now. Penalty case law is a ruling from 1915 (Dunlop Pneumatic Tyre Co. Ltd. v New Garage & Motor Co. Ltd. , if you're interested), when Lord Dunedin made a very clear definition of what constitutes a penalty charge. The whole concept of unlawful bank charges stems from this and subsequent rulings.

I appreciate the info. As to your other comment, I see the problem as being that some will not read elsewhere because they are intent on their thing and won't see that they have to carry some responsibilty themdelves. I think the abuse meted out by some prvoes the point.

CTT_2

bookworm1363 wrote:

Weeeell, it's been great news for years for all the greedy bstrds who have been quite happy to have their free banking subsisided by the more vulnerable part of the population, so I guess what comes round goes round, hey? In the long run, history shows that it's still the greedy bstrds who come out on top, so I wdn't lose too much sleep over that, frankly. Or I could even take a leaf from the greedy bstrds' book, and say: "I don't care!!!"

Perhaps if we all took more care then those greedy bstrds would not prosper and we wouldnt be having this conversation now.

bretty36

Hi, I wonder if anyone could advise me if I can reclaim the charges on a business account that has been closed for around 6 months? Many thanks, Bretty.

jaygrunt

bookworm1363 wrote:

Weeeell, it's been great news for years for all the greedy bstrds who have been quite happy to have their free banking subsisided by the more vulnerable part of the population, so I guess what comes round goes round, hey? In the long run, history shows that it's still the greedy bstrds who come out on top, so I wdn't lose too much sleep over that, frankly. Or I could even take a leaf from the greedy bstrds' book, and say: "I don't care!!!"

you tell him martin!!!!!!!

bookworm1363

CTT wrote:

Perhaps if we all took more care then those greedy bstrds would not prosper and we wouldnt be having this conversation now.

Absolutely! How about the banks who have a duty of care and trust start first?
1) by functioning within the laws of this country,
2) by not making the mistakes themselves? I recently reclaimed £170 from Halifax. The cause of the initial charge which then snowballed to the above amount? Their own insurance, which took a higher payment than agreed! Oh, they refunded the difference, but wouldn't refund the charges levied from their own incompetence!

I promise you, the day the banks start working lawfully, the whole concept of penalty charges reclaim will collapse. And I for one, will stand up and applaud loudly.

bookworm1363

jaygrunt wrote:

you tell him martin!!!!!!!

Hum, thanks... but wrong person... Wrong gender, for starters!

bookworm1363

bretty36 wrote:

Hi, I wonder if anyone could advise me if I can reclaim the charges on a business account that has been closed for around 6 months? Many thanks, Bretty.

Yes. Same procedure.

Chrysalis

oldwiring wrote:

That was not my intention; sorry if you interpreted it that way. I still say that each person or business is responsible for what he does, save for being effected by unforeseen disasters. AFAIC anyone who acts recklessly with their finances, and that means our poster if hae has been, then they must carry some guilt. They are responsible for being in a situation where charges are levied. To say that the banks. As to the banks' fees, surely they weren't illegal at the time they were made. If you want to say that then you're supporting retrospective rulings which are very dangerous.

well I interpret unlawful as breaking the law, if they not breaking the law why arent they defending themselves in court?