I'm in total disbelief!

MrPolythene

After following the advice on these forums and also https://www.bankcharges.info I have managed to get £1180 of bank charges refunded from https://www.smile.co.uk. It will really help make a dent in my debts, and I would recommend ANYONE who hasn't sent a letter to the bank to do it NOW!

MrP

ms_london

Well done!!!

Wish I'd done this before I turned debt free - dont really have a leg to stand on now, but most of my debt were bank charges!!

Sorry to hijack your thread - but is it too late for me? xx

lynzpower

Ms London- course its not!! Get claiming Ms London!!!

climbgirl

ms_london wrote:

Well done!!!

Wish I'd done this before I turned debt free - dont really have a leg to stand on now, but most of my debt were bank charges!!

Sorry to hijack your thread - but is it too late for me? xx

Can't you claim them anyway? I thought the only rule was they had to be within 6 years. I think you'll find you'll get the cash back (which would be nice!)

mrcow

ms_london wrote:

Well done!!!

Wish I'd done this before I turned debt free - dont really have a leg to stand on now, but most of my debt were bank charges!!

Sorry to hijack your thread - but is it too late for me? xx

Get claiming!!!

You can claim back everything from the last six years!

ms_london

I stupidly shredded all of my bank statements recently - how much would it cost to get them re-issued??? Oooh, may do it as the ££££ would come in very very handy for Oz.......

Thanks guys!! (no idea how to do it, will have to read the threads...)

xx

all_hours

So any charge over £12 is unfair, no matter why it was charge to your account? Over limit, unpaid DD or loans?

Does anyone know if it would cause problems if you have a loan with the bank & you try to get charges back from them?

Emmzi

Delighted for you Mr Polythene - well done!

amosworks

mrcow wrote:

You can claim back everything from the last six years!

Apparently now it turns out that the statute in the Limitations Act for 6 years no longer applies because it's limitation is dismissed if they tried to hide the charges from you by witholding information about how they were composed.

Because of this it's possible to reclaim all bank charges from all time

silverelephant

That's fantastic news Mr Poly - congrats!

Can I ask how long the whole thing took you, I mean from applying to getting? I've just added mine up this afternoon and it's just under £3000 :eek: so I'm not putting it off any longer

Chrismojam

Fantasic news!!! Well done

I think I'll check this out for OH as I know he's been charged quite a few times..........has a basic account (no overdraft facility etc)....and has a tendancy to forget about the odd DD coming out near the end of the month...thankfully he only has two! But could be worth a couple of hundred quid.....worth a try...

....I'm pretty sure I've never had bank charges (I can always check...still got everything going back 7 tax years!!):D