Report Bank Charges successes and failures

Wywth

spottyscarf wrote: »

Devastated ..complained first to Nationwide then Ajudicator (at the ombudsman) and finally an Obudsman on the grounds of financial hardship.
N/wide said I had enough money coming in to cover my outgoings (I proved I didn't with account statements and a financial statement compiled by the Citizens Advice Bureau) - I also paid off a £2,000 overdraft with them during this time.
After direct debits started to bounce and I would go overdrawn I asked them to let me have a £50 overdraft to avoid charges that were crippling and leaving me with even less money the following month.
They refused, refunded one month of charges as a "gesture of goodwill".
I had a Stroke last year, contacted the ombudsman to tell them of my ongoing financial problems and serious health issues. They said they only received one letter and no-one seemed to know why this had not speeded up my case.
Amazingly the o.man decided n.wide had "acted fairly".. The charges I tried to claim were in excess of£3,000 plus interest.
Good luck everyone else !
Stroke brain still doesn't pick up every grammer error etc to please bear that in mind x

According to your earlier thread here, you claimed to be receiving "DLA,Child Tax Credit, Child Benefit and Incapacity Benefit" and have "been on it for 17 years with an ongoing deteriorating condition"

What caused your sudden and unexpected drop in disposable income last year, and yet still be able to pay back over £2k of debt?

spottyscarf

I paid back the overdraft over 3 years ago.
One child left full time education.
The rise in the cost of living..

Wywth

spottyscarf wrote: »

I paid back the overdraft over 3 years ago.

Whilst a refund of charges is never guaranteed, where they are refunded, it rarely covers charges incurred more than 6 months ago

spottyscarf wrote: »

One child left full time education.

So you are no longer financially responsible for that person

spottyscarf wrote: »

The rise in the cost of living..

If that was the basis of your claim for financial hardship, then I would have to agree with the initial findings of the Nationwide and their concurrence by the FOS

spottyscarf

No that wasn't the basis for my claim with n/wide...

of course I should have stopped feeding my child and told her to leave home the day she turned 18 and walked into a well paid full time job !

Clearly from other posts on this thread some banks do pay back charges going back much longer than 6 months..

Would you go and pick through someone elses post ?

Danza

Hi all,

I hope you guys can help me.
I have an account with Halifax and have a planned overdraft of £600, I get paid on a weekly basis and work for minimum wage and struggle every week to pay bills etc and most weeks go over my overdraft limit.
I have not been in the black on this account for as long as I can remember, I have asked for a small personal loan just to clear the overdraft which has been refused multiple times.
So after reading this I have learned this is called snowballing, without fail every month I get charged upwards of £50, often a lot more.
Am I in a position to try and claim back anything?
I really do struggle every week to pay all of my bills.

teddy54

Hello all, have not posted for some time.
How rigid is the 6 year limit? I ask because I have 3 cards with charges between 2000 and 2006, quite substantial.
Is it still worth a try?
They are with Cap 1, Yorkshire Bank and HFC.

Thanks.

dunstonh

There is no 6 year limit. It is the period that firms usually use to start destroying old data and typically that means they only keep the last 6 years statements. It is not a rule.

Wywth

MSE_Alana wrote: »

Please report your Bank Charges Reclaiming Successes/failures
since the Supreme Court decision in Nov 2009 here

REMEMEBER BY DOING THIS YOU ENCOURAGE OTHERS WHO MAY BE TOO SCARED TO RECLAIM

How to report your success/failure:

1. Click reply to enter you story.




2. Report your story in the following format:

• Bank name:
• Amount Reclaimed:
• Amount they paid:
• The story: (Just a few sentences, please include how far you went did you a. just write a letter, b. threaten to go to court or c. actually go to court)

***** Want to tell your story in a newspaper/on TV? *****

Hi all. If you've had a refund we need your help

Bank Charges is often in the news and we are frequently asked if we have any MoneySavers that are willing to tell their stories to the press.

If you'd like to help spread the news and encourage others, please e-mail [EMAIL="casestudy@moneysavingexpert.com"]casestudy@moneysavingexpert.com[/EMAIL] (sorry but we can't answer questions at this email address) with as much of the following info as you can:

* how much was your claim for
* how much did you get back
* who is your bank
* a daytime phone number - we often need to reach people at very short notice
* whether you are happy to appear in the papers,tv or both
* where you live

NOTE IF YOU HAVE ANY QUESTIONS
ABOUT RECLAIMING BANK CHARGES
PLEASE FIRST READ THE GUIDE:

Bank Charges Reclaiming

Please attempt to keep this sticky thread on topic for the benefit of others

Matto90

I sent an email of complaint online to RBS stating that I had charges on top of charges for a few years now and was reclaiming £300, received a phone call the next day to offer me £120 goodwill gesture and my £40 charge for this month wiped. Even though its not the full amount I requested I was still delighted and shocked to even receive anything never mind £120! Would never have even thought bout doing it if i hadn't came across this article THANK YOU!

bamattriley

I have recently wrote to Lloyds TSB claiming 1500£ in charges and 500£ of account Fees. Got a letter saying No refunds for me.

So gone to obudsmen about them. Have also claimed from Mint, capital One,natwest and Barclays still waiting to hear back from them all.

Reading your updated posts as made me feel a bit more confident though