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has anyone tried to claim back unfair bank charges from an NI bank?
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In my experience (have worked in 2 N. Ireland banks over last 24 yrs), there is no problem refunding a chg incurred @ 1p (even more!) for one day or so, I just think if you regularily exceed your means it may be time to cut back.planing for the future, living for today0
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nadnad wrote:i know what you're saying Ivan but I have never been charged because I was spending money on "luxuries" - fair enough I admit that on the times I have been overdrawn its been my fault - no one elses but I have only ever been overdrawn like £10 at most - ever - and fair enough thats still my oversight (wages late, unexpected bill, not keeping a close eye whatever). But I have always had plenty of money in my linked savings account with the First Trust - and as I used to work there I know that when they bring one account up the others appear as well, so they could always see the money was there, so it bothers me that they charge soooo much. I just think that the charges are too much - not completely unjustified.
You just can't assume that everyone who goes overdrawn has done so because they are spending money on "designer clothes".
I have a friend often complaining to me about the bank charges he is having to pay and how much time he spends on the phone to his bank getting his money bank or writing letters. I keep telling him that if he spent 5 minutes managing his money more sensiblly and stop spending what he doesn't have then he wouldn't have so much hassle and stress ... the irony is that this conversation is usually after several pints in the pub where he has smoked a 20 pack of cigarettes and gets there and back (about 2 miles) by taxi, which he phones on his mobile after picking up a chiniese on the way home. I can see a few cutbacks that could be made there that would make a whole lot of difference to his life.
You also ask ...how is it fair that if you go overdrawn by 1p for 1 day you get charged account maintenance charges for a quarter???
IvanI don't care about your first world problems; I have enough of my own!0 -
So how did these end up?
Did any of you get your fees refunded?0 -
I just claimed over £500 in charges and was offered £250 without court action.
Pondering whether to accept or not.
Why would they offer anything if they weren't in the wrong?0 -
Don't accept it - go ahead. they will pay in full0
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I sent a standard letter to Ulster bank and got charges back that i had forgotten all about! I was trying for 1 charge of £30 but they gave me £90 back!Undefeated Wii Fit ski jump champion!
Vegas Junkie....
Festering_Plates' number one fan! :T0 -
Hi - Ive filed my small claims court case against Intelligent Finance who are based in Scotland. So far everything has been according to the UK law, and not separate. Only thing is the small claims court has written explaining as the bank is outside its jurisdiction this may mean it takes a bit longer. I phoned the consumer council and they said that should mean it might be only 2 weeks longer - I was worried they were talking months! Anyway, in between this the bank has offered a full refund on one of my three accounts, the offer totals only half of the amount I am actually claiming. Ive accepted the offer but only on the understanding that it is a partial settlement and have told the bank that I will pursue them through the small claims court until I receive full settlement. Consumer council have agreed with this move...will keep you psoted - it is certainly worth it!0
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