Report Bank Charges successes and failures

rmcg1

Reading others posts I think I should shut up, take the money and run!

Still shocked.

Ryan

mariarose04

I am currently thinking of trying to reclaim my charges from Barclays.
We are struggling to get by every month due to charges snowballing.

I was filing all my charges yesterday when i realized I haven't received a single bank statement since mid December 2012!

However on the letters containing the charges it quite clearly states...
"We will not charge this fee amount to your account until at least 14 days after the date of your next statement"

The fee's have been taken from my account already, but as I have not had a statement since December I do not know when they are due to be taken from my account so they are kind of unexpected if you know what I mean.

So does anyone know if they have to provide you with a statement before said charges are taken from your account?
I really dont know where i stand on this one!
Any replies would be greatly appreciated

Wywth

mariarose04 wrote: »

I am currently thinking of trying to reclaim my charges from Barclays.
We are struggling to get by every month due to charges snowballing.

I was filing all my charges yesterday when i realized I haven't received a single bank statement since mid December 2012!

However on the letters containing the charges it quite clearly states...
"We will not charge this fee amount to your account until at least 14 days after the date of your next statement"

The fee's have been taken from my account already, but as I have not had a statement since December I do not know when they are due to be taken from my account so they are kind of unexpected if you know what I mean.

So does anyone know if they have to provide you with a statement before said charges are taken from your account?
I really dont know where i stand on this one!
Any replies would be greatly appreciated

I suggest you contact the bank to ask what's happened to your statements.

If they say they were sent, I suggest you complain to your local Royal Mail office and even possibly the police.
Sadly, theft of mail is not uncommon...
http://www.dailymail.co.uk/news/article-564043/One-postal-worker-day-caught-stealing-mail.html

custardy

Wywth wrote: »

I suggest you contact the bank to ask what's happened to your statements.

If they say they were sent, I suggest you [STRIKE]complain[/STRIKE] talk to your local Royal Mail office and even possibly the police.
Sadly, theft of mail is not uncommon...
http://www.dailymail.co.uk/news/article-564043/One-postal-worker-day-caught-stealing-mail.html

neither is the use of DSA carriers. however thats never going to be an issue,is it?

missmummy_2

i was wondering if any one can help or give me advice on what will come next?
in 2007 i had a tsb account with an unplanned overdraft which i didn't know was unplanned anyway i was getting charged every month from £30 up to £165 i opened another bank account as all my money was going the second i got it and leaving me and my daughter with no food gas electric ect, after this i have received letter saying that i owe them 1024.00 in charges so i set up a payment plan with them and now i still owe £684 but after speaking to my friend she said i should claim my charges back so i rang Lloyd tsb up and asked them to tell me what charges i had paid when the account was open and in total i paid £1624 in charges and bounced direct debits the lady in the phone took all my details and passed them to the complaints department and said she looks hopeful that i will recieve a full refund back due tho the fact i was a single mum living off income support and that i have got my self into debt trying to find money else where when they took all my money these charges ae over a 3 year time scale does any one know if i will get anything back? she said i will hear off the them within 5 days??

missmummy_2

missmummy wrote: »

i was wondering if any one can help or give me advice on what will come next?
in 2007 i had a tsb account with an unplanned overdraft which i didn't know was unplanned anyway i was getting charged every month from £30 up to £165 i opened another bank account as all my money was going the second i got it and leaving me and my daughter with no food gas electric ect, after this i have received letter saying that i owe them 1024.00 in charges so i set up a payment plan with them and now i still owe £684 but after speaking to my friend she said i should claim my charges back so i rang Lloyd tsb up and asked them to tell me what charges i had paid when the account was open and in total i paid £1624 in charges and bounced direct debits the lady in the phone took all my details and passed them to the complaints department and said she looks hopeful that i will recieve a full refund back due tho the fact i was a single mum living off income support and that i have got my self into debt trying to find money else where when they took all my money these charges ae over a 3 year time scale does any one know if i will get anything back? she said i will hear off the them within 5 days??

they have phoned me an said im not entitled to a penny whats the next steps plz??

canny_lass_2

Have just heard that Halifax is going to refund my bank charges. I claimed £1200 and after a fight and threats of court action they settled with £800. I am really happy with this. Thanks for all the great advice.:rotfl:

missmummy_2

canny lass how did u manage to get them to change there mind iv just rang the fso and they are sending my bank a letter i dont really know how it works? but congratulations on ur claim :T

[Deleted User]

any advice please? had £900 charges applied over 2 years. nationwide have agreed to pay back only £140 and are refusing any more. have written to the ombudsman but heard nothing back as yet. have payday loans which cant be paid, other loans, no savings, lost job last month, surely this all counts as hardship yet they will only pay back 3 months worth of charges, unfair!!!

ianemma1

Hi and a big thank you to Martin for his advice.
I copied the letter for charges and sent it to 2 credit card companies who, although said their charges were fair, as a gesture of goodwill returned over £200 in charges.
I contacted the Halifax regarding a PEP mortgage I had for four years from 1998 to 2002. I discovered it had PPI on the loan which I never take out and also I questioned whether the PEP mortgage was the best deal at the time.
I received a cheque for £1800 thinking that was the total claim.
However several days later I was informed that was for mis selling PPI and the mis selling of the mortgage was a seperate claim. I have now received another cheque for over £3500.
Wouldn't have done it if I had not read about it on this site.

Just received another cheque after I complained to Lloyds about charging for ending my loan early.
In the letter they say they were right to charge but could not prove if this was explained to me at the time so as a gesture of goodwill are returning the £112 charged.....
Thanks once again to Martin and his team. :j:beer: