I'm in total disbelief!

sproggi

I would make a claim on both of my bank accounts, but, if they decided to close my accounts, I would assume that they would require immediate payment of all outstanding monies and as I have OD, CC and loan with both of them:eek: (part of the reason I am in the mess i'm in now!) I would not have a snowballs chance of paying them.

Sproggi

Chortle_2

make_life_easier wrote:

I know of 2 £30 charges that my son has had within the past 12 month totalling to £60, can I claim these back for him, what is the letter I send, these charges were for paying bills when he had gone over his overdraft. I wasn't going to tell him so it would be a nice supprize if he got them back instead of raising his hope, is there a chance he would get them back??

Simple answer is no, not without his authorisation. Under the data protection act, the banks are not allowed to discuss his account with anybody other than him, unless he has given prior express permission. If he claims, he WILL get his money back - its not getting his hopes up at all.

I got just under £3k back last week - it is unbelievably easy, even though mine wasn't settled until it had hit small claims court, (when I could apply 8% APR interest - nice ) - it literally took 3 letters, and one small bit of text in a box on the moneyclaim website As most claims seem to be being settled before it gets to the stage mine did, no one has anything to lose - and everything to gain! Got to be worth the price of a few stamps IMHO.

asharon

Can you do this with credit cards and what if the accuont was close then years ago ?

Chortle_2

asharon wrote:

Can you do this with credit cards and what if the accuont was close then years ago ?

Yes, you can do it with credit cards, store cards, anything where you have been charged punitive fees for late payments/excess ODs/bounced payments/etc.

No, it doesn't matter if the account has been closed for years.

HTH

asharon

I don't suppose there are any claims that can be made if they closed you account whilst owing you £100 worth of loyalty points is there ?

MrPolythene

No idea. But there is no harm in trying.

MrP

Boro_cass

I would recommend anyone thinking of claiming these unfair bank charges back check out consumeractiongroup.co.uk. On here there are so many people having just claimed or in the process of claiming that there will always be someone to help. There is a FAQ section and also templates of all letters to send to your bank so they know that you are serious and not going to give up. There is also a survey that people fill in when they have had their charges back and this is broken down ito each individual bank so you know on average how long your bank take to settle claims and also how many claims they have already settled.

Hope this helps

Creditcardkid

That is unbelievable news! I have read all the threads with interest about people trying to reclaim these extortionate charges back from the banks but an amount that big is stunning

Just goes to show how much they rake in via these sickeningly high charges.

Great news, pleased for you

scottishspendaholic

Hi everyone,

I submitted my small claim court claim for £743 (max can claim in Scotland is £750 at small claims level) yesterday - and am totally cr*pping myself about it possibly going to court. Just have to hold my nerve now...

There is also a thread started by southernscouser called DFW Bank Charges Reclaim Thread - don't have time to search for the link now but its got lots of advice and people's stories in it.

Good luck everyone and well done Mr P.! (however, I only wish it had been that easy for me!)

scottishspendaholic x

ms_london

http://forums.moneysavingexpert.com/showthread.html?t=177454