Report Bank Charges successes and failures

Wywth

Wishmeluck wrote: »

Hi...:hello:can anyone please tell me the correct claim address for Lloyds TSB? (my bank for the last 18 years) I did see a list on one of the posts at some point but cant find it now. They have charged me £1,784 JUST in overdraft fees for a 9 month period, 2010 a time when I was going through a divorce and I had been made redundant!

I have followed the information on here and started a claim to MBNA, Tesco, HSBC and Halifax. Halifax cashed my £10 cheque within 3 days then sent me a huge wad of paperwork, am I meant to go through it all and list any charges I find? HSBC have returned the cheque and enclosed a basic printed list of 2 charges and offered to pay me double if I accept and withdraw my claim, but how do I know if there hasn't been any other fees? Apart from Tesco Credit Card all the other accounts were closed in 2010 so other than my closing statements I don't have any old paperwork. I also intend to make a claim to Barclays. Any support welcome....:wave:

If you wish to coomplain about bank charges, follow the bank's complaint procedure; you'll find it on their website.

robinsharon

Well, I wrote to Lloyds TSB and told them that the package account that I was paying for was not appropriate for my needs and that there were better options available to two people that had health issues which made the travel insurance on the account invalid. (It cost an extra £30 to take out travel insurance for a year). Lloyds TSb have now not responded to 2 of my letters. Should I now go straight to the ombudsman or give them one last go? It has been ten weeks since I sent the 2nd letter.
Help

Robinsharon xx

robinsharon

Wishmeluck wrote: »

Hi...:hello:can anyone please tell me the correct claim address for Lloyds TSB? (my bank for the last 18 years) I did see a list on one of the posts at some point but cant find it now. They have charged me £1,784 JUST in overdraft fees for a 9 month period, 2010 a time when I was going through a divorce and I had been made redundant!

I have followed the information on here and started a claim to MBNA, Tesco, HSBC and Halifax. Halifax cashed my £10 cheque within 3 days then sent me a huge wad of paperwork, am I meant to go through it all and list any charges I find? HSBC have returned the cheque and enclosed a basic printed list of 2 charges and offered to pay me double if I accept and withdraw my claim, but how do I know if there hasn't been any other fees? Apart from Tesco Credit Card all the other accounts were closed in 2010 so other than my closing statements I don't have any old paperwork. I also intend to make a claim to Barclays. Any support welcome....:wave:

If you are claiming back PPI I sent my claim to them at:

Customer Services

Lloyds TSB

PPI Customer Relations

BX1 1LT

Good luck

Wywth

Thought it was probably time for an appropriate reminder

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

Annie90

Hi, I wondered if anybody could help me. Since the end of 2011 I have been a gambling addict. The bank let me increase my overdraft continuously even though all my transactions were mainly to bookmakers. On two occasions I even rang barclays and emailed them to ask them to stop me being able to do so online, in which they said they had no power. I have paid ridiculous amounts of charges and interest whilst being in financial hardship, and now even find putting £5 petrol in a struggle. I do take part responsibility, but if barclays had never let me increase my overdraft I know I would not be in this mess I am today. I have had to take out payday loans to cover costs and I'm now just stuck in a big hole, unable to pay anything, hiding my problems away from everybody. I want to know if I have any chance of reclaiming bank charges? I can't go on the way I am. Please help me, I am only 22 years old and shouldn't be feeling so stressed because of money! Thanks.

Annie90

casa_nova wrote: »

I just wondered if anyone has had any success / tips recently through dealing with HSBC.

I am trying to claim back 4 years worth of agreed overdraft arrangement fees at £25 each time between 2005 - 2009 (My account closed February 2010) - which total £615 (with interest at 8% total £907.50 I'm claiming for)

My argument I'm using is they lent irresponsibly to me at the time - as I had a huge online gambling problem, and allowed me to keep increasing my overdraft most months - 1 month they allowed me to do this 5 times - costing me £125 for just agreeing to my overdraft facility despite my erratic use of account. (I never once breached my agreed limit)

I've also stated numerous hardship reasons mainly due to the gambling, personal circumstances sudden death of my mum meaning a drop in household income etc - have further been compounded by these unfair stealth charges, which are disportionate for routine administrative checks.

I have also quoted they no longer charge these agreed overdraft arangement fees as a result of the bank charges court case (not sure if that is right - although I checked their current overdraft fees on their website)

Anyway got a rejection letter back - saying to go to their financial guidance team if I wanted to claim hardship - spoke to them - they said the letter was wrong and they couldn't help me. So wrote back to original address and told them I'm giving them 14 days to write back with a satisfactory response quoting they are breaking British Banking Association guidelines; as they are cohesively telling me misleading information trying to prevent me claiming under hardship grounds.

I have said unless they provide a satisfactory response / settlement I will be contacting bbc watchdog regarding this claim and their banking practice and also be going to the financial ombudsmun.

Hi, your in the exact same situation as me. I have a gambling problem, when Barclays have allowed me to increase my overdraft on numerous occasions. Have you had any luck of reclaiming a refund of charges? Thanks, Ann.

qube99

I'm owed money com HSBc

bamattriley

Lloyds TSB I'm going through the ombudsmen now.

JBC12567

My husband lost his job due to ill health in 2004. We went through terrible times, losing our home and car among other things we had both worked very hard for. We have suffered financial hardship since this time and attempted to reclaim over £2000 in charges from the Halifax. They had already repaid charges to a lot of people we knew, so were quite hopeful. We got a refusal letter, so my husband continued to pursue it through the ombudsman for the next year or so without success. We had not heard a thing from the Halifax (who themselves closed the account in October of 2008) until a letter came through the post from a debt recovery agency, who's letter stated they had bought a debt from HBOS to the tune of £1425.50 which related to the said account, that was overdrawn when closed. My Husband has recently suffered a stroke and cannot find it in himself to fight this anymore, so has therefore made an arrangement over the phone to repay the debt at a rate of £20 a month. I am writing this in the hope that somebody sees this and points out to Martin just how badly we have been treated. PLEASE, PLEASE help us somebody. With many thanks and regards.

babyfreckles

Im not sure if I am posting this on the right thread, but I wanted to share my success in claiming back costs for being mis-sold a 'package' card! Back in 2006, I was having some slight financial troubles and went to the bank for 'help'. The guy I saw told me I couldnt have a current account with an overdraft, I would have to take out a platinum account. I agreed to it because as far as I was aware, this was all the 'help' I could get. Paid the fees for 2 years, just for using the over draft facility. I was watching the Martin Lewis programme the other week about reclaiming the costs, and decided to give it a go. Last week I submitted an online complaint, and recieved a phone call this morning to discuss my complaint. Basically, the guy that sold me the platinum account had logged on the system that I was to use the account for 'travel insurance' bearing in mind that I was in no position to even pay for a holiday, let along the insurance! I have been successful in reclaiming these costs, plus the interest and a good will gesture aswell, so if you feel you have been mis-sold it, please make a complaint!