has anoyone successfully got back their bank charges?

amosworks

lynzpower wrote:

Nomoneytoday, What ARE you on about?

How does this one go, because my employer made an almight balls up last month and put me down as SSP when I was on jury service, I got paid 750 less in my paycheck. On payday, I phoned payroll to find out what had gone on, then phoned my bank to advise what had happened, they helpfully advised me that 4 of my debits had bounced, as they all go out on payday, or next working day, costing me a princely total of 140. Two of these debits were £2 a month to charities, the other debits were less than 20 quid. My fault? No, but then i had to get to work, so i write a cheque for a travelcard in the hope Ive been paid for it by the time the cheque clears, No i havent etc. Into a spiral of last month alone costing me somewhere in the region of 300 in charges. Work didnt pay me the 750 quid until the following payday.

Many many of us here are getting bank charges when we are trying our best, but Im losing 300 quid this month, meaning I dont have enough to live on. What happens then, I have to bounce the account to live the frugal existence i do.

If you dont agree with people claiming bank charges back, fine thats your prerogative. But I do object to you saying that, it is offensive, especially when there are SO many of us struggling for all kinds of different reasons (raising children singlehandedly, illness, disability, redundancy) , and bank charges starting the spiral in the first place. Bounce one DD for £2, you are 35 quid short next month, and so it goes on. Theres not many of us getting "shiny new toys" round here, if you havent noticed, apart from the fat cats in the banks of course.....

EDIT TO say, did oi get the wrong end of the stick there?

Meh you've got a good point lynzpower I think actually you're both right lol

james32_uk

It's all a con. Not because Banks charge charges, but because they have the power to stop you going overdrawn in the first place. eg, any credit card I have will let me go upto around £50 overlimit and happily take £25 charge for doing so. Try and go over that amount and you've got no chance - Card declined!

So why didnt they decline it when it hit the limit? Con con con con CON!

make_life_easier

Here is a letter my son got from the bank (and has another I can see on his account) . Do you think I will send in a letter to claim the charges back I will get them, it all seems daunting and the way the letter is worded I thought he wouldn't, but if you think it will be worth a try, we'll give it a go. Your overdraft limit: £200.00

We have paid the item(s) shown below even though this means your account is now overdrawn by more than your overdraft limit.

To cover our costs, we make a charge of £30 (maximum 3 charges per day) for any item we pay when your account is overdrawn in excess of any agreed limit. We will take this money from your account seven days from the date of this letter. If this causes you to have an unauthorised overdraft, we will also charge you interest at the unauthorised rate, and a monthly unauthorised overdraft fee of £28*. However, if your unauthorised overdraft is £30 or less the unauthorised overdraft charge will not be applied.

We appreciate that nobody likes paying charges and we'd like to help you avoid them in future. To help you we've provided an online banking service that allows you to view an up to date statement of your account, details of your standing orders and direct debits and much more. For full details of the service log on to https://www.halifax-online.co.uk.

Should you wish to discuss your borrowing needs, you can make an appointment by visiting any branch. Alternatively, you can discuss your requirements by calling our telephone banking service 24 hours a day. You'll find the number at the top of this letter.

Yours sincerely

Garry R D Kettle
Manager
Personal Banking Services

PAYMENT REFERENCE AMOUNT
WWW.POCADO.COM £29.99
MORRISON PETROL £10.00


* You will receive further notification of this charge which will be taken from your account at the end of next month.

Credit available subject to status. You must be aged 18 or over. Written quotations available on request. Overdrafts are repayable on demand.

make_life_easier

I was just read my thread back and didn't realise that there would be links (I havent got a clue how to do them - but if someone would be kind enough to tell me I will appreciate that) I only coppied and pasted from the letter recieved on his account

James240

i managed to get back £114 in account charges i had on eof those accounts where u pay £10 a month for bits and pieces that u get with it. Went in and complained that i never used any of these and within a week i had £114 refunded to me....

i know these arent charges as such like going overdrawn but if you do complain then your voice will be heard .....

elisebutt65

Right - I've joined the Consumer action group peeps and am going for it.

I'm a mature student with 2 kids - single mum and there have been occasions that I have gone 1 or 2 quid over and then of course get whacked for it - sometimes I've logged into my account at midnight and transferred money betwen accounts just to make sure that this doesn't happen - It then shows up on my balance as being there but when I get the statement at the end of the month - it shows as going in after the direct debit has been taken and then bounced out!!! :mad:

Lasst year - I paid about £380/month for 3 months on the trot in charges - mainly due to being ill and not able to transfer money between accounts etc etc.

I wouldn't mind being charged for the price of a letter - about £5-10 with admin costs but Abbey are charging £30 a pop.

Luckily they never let me have an overdraft - even though it's a student account - or I#d probably be in deep doodoo by now.

How long is it we can claim back for - is it 6 years?? About £4-5000 pounds by now then!!

Kevicho

nomoneytoday wrote:

Banks are a business, and all the people overdrawn are keeping the majority of us in "free" banking. Why should that stop for a few overspenders??

Rant over for the day...

With regard to the banks are a businessbit, that is correct and you sign a contract when you open an account

That means that they have to abide by contract law, even though they can charge people these unfair fee's, there are sections in the credit law to stop this, and it has been proven in other areas of business when in court these unfair fees and refunded, the banks know this and will try by any means to fob people off, the solution, take them to court.

Banks shouldnt be a run completely as a business, we all need somewhere to put our money, and at the end of the day everything else in this country is overpriced.

What im getting at is that the banks shouldnt make money from its customers in this way, when it makes more than enough money through other avenues, including interest, balance transfer fees and its own interests and investments.

I think mr nomoney is being rather naive when he says that people should be ripped off in this manner to keep his banking free.

All bank charges are, are profit, they are not key to the business, if these charges were fair then i wouldnt contest them, but they are not.

thats the end of my rant :P

klare_2

we've just got back nearly 300 squid from first direct and another couple of hundred from nat west.. they didnt even put up a fight!!! its wirth trying.
We've got some more to go after from lloyds will post if we are successfull

Montymoo_2

im just terrified that HSBC would close my account and demand my overdraft back if i tried to claim

amosworks

Open up another basic bank account as your protection against any problems. If they did that though, as I suspect mine will, I plan to pull them up on it under the banking code and others. Will be interesting, but at approaching £3k, I don't mind switching bank accounts