reclaim bank charges help

richessex

hi all
does anyone know if when making an application to reclaim bank charges whether you have to state all charges

or whether you can blanket claim and just say i want all the charges back you have charged me since the account was opened

my record keeping leaves a lot to be desired


thanks

amosworks

You need to be speicifc and state an exact amount. Because of that you must find out, so do a Data Protection Act 1998 data subject request for the information which will cost you £10.

Write to your bank using the standard letter found on the CAG site https://www.consumeractiongroup.co.uk

Good luck

cookiesncream

Will that tell you all your bank activity for the past 6 years or just the charges?

Zabl

When i got mine, it was just actual copies of statements and i had to go through and find the charges on each sheet.
HTH

CTT_2

Disgusting I call it. We go over our agreed overdraft limits, write cheques with insufficient funds and banks have the nerve to charge us penalties.
Has to be a nice earner here for the customer. The next thing is the banks will expect us to start crediting our accounts. What is the world coming to.

amosworks

They will provide you with a complete copy of the information they have on you. It's up to you to extract from that what you desire.

However, the data should be easy to understand.

cookiesncream

CTT wrote:

Disgusting I call it. We go over our agreed overdraft limits, write cheques with insufficient funds and banks have the nerve to charge us penalties.
Has to be a nice earner here for the customer. The next thing is the banks will expect us to start crediting our accounts. What is the world coming to.

We're not disputing being charged, we're disputing that they're illegal. If the amount we were charged was the same as it cost the bank then I personally wouldn't have a problem with it.

I find your tone irritating. There are times when we go over limits through no fault of our own and because of the huge charges, can't claw back to a healthy bank account because money that would go to help, is just being spent on the charges. For instance, HSBC will charge £125 pm for being over the limit and £35 per cheque paid out which they should bounce but they don't!

amosworks

Now now ladies, handbags at dawn 'n' all. We're all in the same boat here, no need for nails!!