Report Bank Charges successes and failures

Bermonia

In my experience they can and will withdraw the offer if further action is taken - the reality is that banks are NOT required to refund you any charges, merely consider any ‘current’ financial hardship you may be in and potentially freeze some charges or interest.

MICHYMOO

Hi, has a ybody any experience with Consumer Refund Service? Is it safe? Thank you.

dunstonh

MICHYMOO wrote: »

Hi, has a ybody any experience with Consumer Refund Service? Is it safe? Thank you.

Not a good reputation and if their service is about reclaiming bank charges (this thread topic) then forget. Do not use them.

[Deleted User]

Assuming that's a claims company, it's a safe way to lose some of your money.

Invest in a stamp of your own and send off your complaint directly.

Sangreal

Submitted a claim through resolver, Lloyds have upheld the complaint stating that I was never offered or made aware that I could have a free current account and since 2000 was put on a Gold, then Platinum then Premier account. At no point was there any evidence found that a free current account with similar overdraft level was an option.

Total refund figure given to me today to be refunded this week with interest is £6955...I'm actually speechless! :eek:

Thanks for making me aware that I could even make a claim for this.

Mike

dunstonh

Sangreal wrote: »

Submitted a claim through resolver, Lloyds have upheld the complaint stating that I was never offered or made aware that I could have a free current account and since 2000 was put on a Gold, then Platinum then Premier account. At no point was there any evidence found that a free current account with similar overdraft level was an option.

Total refund figure given to me today to be refunded this week with interest is £6955...I'm actually speechless! :eek:

Thanks for making me aware that I could even make a claim for this.

Mike

Well done. However, this thread is not about packaged bank accounts.

Sangreal

Ah ok apologies. Can a Mod move it to the correct forum if possible? Or just delete it if not relevent...

Mike

Loganberry1602

Even though there was a ruling in 2009, I still strongly believed I had a good case against RBS for bank charges and packaged bank account charges. With this combined I went to Halifax with my double complaint for a claim of just under £3000 (in October 2018). Halifax replied promptly and offered me £100 and said they were not in the wrong. After taking it to the FOS and waiting a few months further, I received an offer for Just under £2000! I accepted and the cheque arrived today. Thank you so much to Martin and the gang- and all the people who take time to post on here. Through financial struggles a few years ago that have still had an effect on me today- you have helped me so much. Who would have thought after sending a couple of letters that I would be 2K better off. If you are still hesitant to write one but 100% deserve the claim- I strongly advise you do! :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

[Deleted User]

Sounds like only the packaged account was refunded.

FOS cannot adjudicate on unfair bank charges.

That being said, well done on your success.

Loganberry1602

Thanks! Actually, you are wrong. Most of my payment I received (£1500) was refunded bank charges. Only 25% was because of the packaged bank fees. Originally I was offered £100 for the bank charges and £8.50 for the packaged bank account. They were both sent to the ombudsman and they thought I had a better chance if I combined the claims. As a result they offered 2k and the FOS is still looking into it further....:T