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Bank fines:

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Vital_Spark_2
Vital_Spark_2 Posts: 349 Forumite
in I wanna buy it or do it
The recent :money: recommendation to write to our banks requesting the refunding of fines made to our accounts over the past 6 years, interests me greatly.

TSB (Scotland) plc have made a fortune from my misfortune, particularly over the past couple of years. They proved themselves to be extremely mercenary and lacking in understanding while I went through a drawn out insurance claim which was necessitated by negligent and damaging building work.
:mad: :mad: :mad:

Can ayone offer a general, draft letter (obviously without the relevant pesonal details) suited to submitting this request?
«1

Comments

  • Bernard_Coleslaw
    Bernard_Coleslaw Posts: 652 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    Have a look in the Budgeting & Current Account forum - there are quite a few threads offering advice on this very topic.

    BC
    Everyone needs something to believe in.

    I believe I need another beer.
  • mariejader
    mariejader Posts: 413 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    This is the site that Martin was recommending a few weeks ago,

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

    One word of advice read the FAQ's before posting!!!

    The letters you need are in the library section, I think you need to register to be able to access them but it's free.
  • MSE_Martin
    MSE_Martin Posts: 8,272 Money Saving Expert
    Part of the Furniture 1,000 Posts Combo Breaker
    Hiya

    Actually that wasn't the site i recommended. remember there is a full article on this on the main site - worth reading that first

    martin
    Martin Lewis, Money Saving Expert.
    Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.
    Don't miss out on urgent MoneySaving, get my weekly e-mail at www.moneysavingexpert.com/tips.
    Debt-Free Wannabee Official Nerd Club: (Honorary) Members number 000
  • Lotta_Littlies
    Lotta_Littlies Posts: 659 Forumite
    The url and name for the forum has changed. It's still the same one as in the article.

    Lotta
    "One hundred years from now, it will not matter what my bank account was, how big my house was, or what kind of car I drove. But the world may be a little better, because I was important in the life of a child."
  • MSE_Martin
    MSE_Martin Posts: 8,272 Money Saving Expert
    Part of the Furniture 1,000 Posts Combo Breaker
    Good point lotta :)
    Martin Lewis, Money Saving Expert.
    Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.
    Don't miss out on urgent MoneySaving, get my weekly e-mail at www.moneysavingexpert.com/tips.
    Debt-Free Wannabee Official Nerd Club: (Honorary) Members number 000
  • hopelesscase!
    hopelesscase! Posts: 9 Forumite
    Success! we wrote to Halifax bank requesting refund of illegal bank charges or else! Just received a reply lecturing us on our responsibilities and THEN in the last paragraph offering us a refund to the tune of £500! as "a gesture of goodwill". HA bloody ha! has made my day.
  • Lotta_Littlies
    Lotta_Littlies Posts: 659 Forumite
    Apology accepted ;):p

    Lotta
    MSE_Martin wrote:
    Good point lotta :)
    "One hundred years from now, it will not matter what my bank account was, how big my house was, or what kind of car I drove. But the world may be a little better, because I was important in the life of a child."
  • Lotta_Littlies
    Lotta_Littlies Posts: 659 Forumite
    hopelesscase! wrote:
    Success! we wrote to Halifax bank requesting refund of illegal bank charges or else! Just received a reply lecturing us on our responsibilities and THEN in the last paragraph offering us a refund to the tune of £500! as "a gesture of goodwill". HA bloody ha! has made my day.

    If the charges are more than £500 and you are prepared to stand your ground you will get the whole lot that they have taken back.

    Lotta
    "One hundred years from now, it will not matter what my bank account was, how big my house was, or what kind of car I drove. But the world may be a little better, because I was important in the life of a child."
  • Vital_Spark_2
    Vital_Spark_2 Posts: 349 Forumite
    Apologies for being so thick.

    What exactly are the fines? Are they the £40 for having gone over one's overdraft or for not having ther cash in the account when a DD or SO are due? Never quite sure where charges stop and fines begin?

    You really are such a knowledgeable lot on this site. How does Maritn get the time to research all this stuff. BUT, so grateful that he does.

    You are also a generous lot sharing your knowledge with others so freely. Thank you.
  • Lotta_Littlies
    Lotta_Littlies Posts: 659 Forumite
    They're one and the same. You can get back all charges/fines for going over your limit/bounced cheques or standing orders etc.

    You can find a list of FAQ's including letter templates at the link MarieJadar gave above which will answer all your questions and more.

    Lotta
    "One hundred years from now, it will not matter what my bank account was, how big my house was, or what kind of car I drove. But the world may be a little better, because I was important in the life of a child."
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