Report Bank Charges successes and failures

dunstonh

OK so it's actually a financial hardship consideration

I was initially going to post that the OP should go to the media as they had found a way for a bank to refund due to excessive charges.  Something that is unheard of.    However, as you say, it was just a routine financial hardship case and not a refund for being excessive.

[Deleted User]

A_Lone_Hiker said:

Deleted_User said:

OK so it's actually a financial hardship consideration, not a ruling that the charges themselves were unfair or excessive, but rather they should have taken action about living in the OD. Awarded 8k seems a bit of a strange statement given they were told to remove charges/interest and use them to clear the overdraft and only then were any excess returned. Strange they decided to retrospectively apply the new financial hardship rules

It's still a success regardless.

Oh absolutely, and it's great that you are out of a hole, it's just financial hardship cases are not the same as getting back bank charges that are unfair or excessive. Your refund wasn't about the charges being either, but rather the ombudsman has considered it as a financial hardship case and ruled on that basis. Given the ruling, did you actually get 8k on top of clearing the OD etc (which seems huge for OD fees and interest) or was that the total amount, of which a chunk went on clearing the OD etc?

alonehiker

Deleted_User said:

Oh absolutely, and it's great that you are out of a hole, it's just financial hardship cases are not the same as getting back bank charges that are unfair or excessive. Your refund wasn't about the charges being either, but rather the ombudsman has considered it as a financial hardship case and ruled on that basis. Given the ruling, did you actually get 8k on top of clearing the OD etc (which seems huge for OD fees and interest) or was that the total amount, of which a chunk went on clearing the OD etc?

Yeah, I guess I read the post wrong.  Apologies.

The £8k+ was the total amount. I was still in my OD by around £5k so the majority went on clearing it.

Why they gave me a £7k overdraft at just 18 years old is beyond me. Why I applied for it and accepted it is also questionable. The good thing is though, it's all paid off now (14 years in a vicious circle) and I have literally no debt. Such a weight off anyone's shoulders.

[Deleted User]

A_Lone_Hiker said:

Deleted_User said:

Oh absolutely, and it's great that you are out of a hole, it's just financial hardship cases are not the same as getting back bank charges that are unfair or excessive. Your refund wasn't about the charges being either, but rather the ombudsman has considered it as a financial hardship case and ruled on that basis. Given the ruling, did you actually get 8k on top of clearing the OD etc (which seems huge for OD fees and interest) or was that the total amount, of which a chunk went on clearing the OD etc?

Yeah, I guess I read the post wrong.  Apologies.

The £8k+ was the total amount. I was still in my OD by around £5k so the majority went on clearing it.

Why they gave me a £7k overdraft at just 18 years old is beyond me. Why I applied for it and accepted it is also questionable. The good thing is though, it's all paid off now (14 years in a vicious circle) and I have literally no debt. Such a weight off anyone's shoulders.

Because they gambled and thought they won, then they lost. Quite how it got that much is beyond logic but good it was all paid off and good on you for keeping at it

Moogles44

Has anyone just been ignored? Natwest were sent my sons letter 19 days ago and heard nothing and it wasn’t signed for ( I sent it signed for) the the card services address that was given on here. 

I wondered if they just don’t sign for it which is annoying as all his statements and details were in it 

dunstonh

 Natwest were sent my sons letter 19 days ago and heard nothing and it wasn’t signed for ( I sent it signed for) the the card services address that was given on here. 

Was it a PO Box address?  if so, you shouldn't use signed for mail with a PO Box.  It will either not be signed by the bank but signed by the post office or it will be pulled out of the address it needs to go to and passed on to a different address and they may take their time getting it to the right place or may not even know where the right place is.

Also, this thread is about bank charges reclaim and that has pretty much been a dead subject for over a decade now.   It is only current hardship cases they consider nowadays.  

[Deleted User]

Moogles44 said:

Has anyone just been ignored? Natwest were sent my sons letter 19 days ago and heard nothing and it wasn’t signed for ( I sent it signed for) the the card services address that was given on here. 

I wondered if they just don’t sign for it which is annoying as all his statements and details were in it 

If you have sent them lots of statements in an attempt to complain about charges, you have potentially wasted a stamp, they most likely have the statements if his account is open or was in the last 6 years (beyond that it would be time barred anyway) and they won't pay out for "unfair" charges since winning the court case

Moogles44

dunstonh said:

 Natwest were sent my sons letter 19 days ago and heard nothing and it wasn’t 

Was it a PO Box address?  if so, you shouldn't use signed for mail with a PO Box.  It will either not be signed by the bank but signed by the post office or it will be pulled out of the address it needs to go to and passed on to a different address and they may take their time getting it to the right place or may not even know where the right place is.

Also, this thread is about bank charges reclaim and that has pretty much been a dead subject for over a decade now.   It is only current hardship cases they consider nowadays.  

dunstonh said:

 Natwest were sent my sons letter 19 days ago and heard nothing and it wasn’t signed for ( I sent it signed for) the the card services address that was given on here. 

Was it a PO Box address?  if so, you shouldn't use signed for mail with a PO Box.  It will either not be signed by the bank but signed by the post office or it will be pulled out of the address it needs to go to and passed on to a different address and they may take their time getting it to the right place or may not even know where the right place is.

Also, this thread is about bank charges reclaim and that has pretty much been a dead subject for over a decade now.   It is only current hardship cases they consider nowadays.

Hi
thanks. No it wasn’t a PO Box address. That’s helpful as maybe they are sending it somewhere else . 

Yes this is a financial hardship case . He lost his job and Natwest charges became about £90 a month so his unemployment payments were being taken up majorly by bank charges. He lost so much weight as he couldn’t afford to eat . So I think he should get something back - I sent his statements to show us and friends sending him money here and there so he could buy food and help him not go over his massive overdraft. Also showed all the charges etc. 
Hopefully he will get something back

[Deleted User]

Moogles44 said:

dunstonh said:

 Natwest were sent my sons letter 19 days ago and heard nothing and it wasn’t 

Was it a PO Box address?  if so, you shouldn't use signed for mail with a PO Box.  It will either not be signed by the bank but signed by the post office or it will be pulled out of the address it needs to go to and passed on to a different address and they may take their time getting it to the right place or may not even know where the right place is.

Also, this thread is about bank charges reclaim and that has pretty much been a dead subject for over a decade now.   It is only current hardship cases they consider nowadays.  

dunstonh said:

 Natwest were sent my sons letter 19 days ago and heard nothing and it wasn’t signed for ( I sent it signed for) the the card services address that was given on here. 

Was it a PO Box address?  if so, you shouldn't use signed for mail with a PO Box.  It will either not be signed by the bank but signed by the post office or it will be pulled out of the address it needs to go to and passed on to a different address and they may take their time getting it to the right place or may not even know where the right place is.

Also, this thread is about bank charges reclaim and that has pretty much been a dead subject for over a decade now.   It is only current hardship cases they consider nowadays.

Hi
thanks. No it wasn’t a PO Box address. That’s helpful as maybe they are sending it somewhere else . 

Yes this is a financial hardship case . He lost his job and Natwest charges became about £90 a month so his unemployment payments were being taken up majorly by bank charges. He lost so much weight as he couldn’t afford to eat . So I think he should get something back - I sent his statements to show us and friends sending him money here and there so he could buy food and help him not go over his massive overdraft. Also showed all the charges etc. 
Hopefully he will get something back

Do you mean it's a current hardship case or are you trying to retrospectively put in a hardship case? Did he talk to the bank at the time? How long ago was this?

Moogles44

Deleted_User said:

Moogles44 said:

dunstonh said:

 Natwest were sent my sons letter 19 days ago and heard nothing and it wasn’t 

Was it a PO Box address?  if so, you shouldn't use signed for mail with a PO Box.  It will either not be signed by the bank but signed by the post office or it will be pulled out of the address it needs to go to and passed on to a different address and they may take their time getting it to the right place or may not even know where the right place is.

Also, this thread is about bank charges reclaim and that has pretty much been a dead subject for over a decade now.   It is only current hardship cases they consider nowadays.  

dunstonh said:

 Natwest were sent my sons letter 19 days ago and heard nothing and it wasn’t signed for ( I sent it signed for) the the card services address that was given on here. 

Was it a PO Box address?  if so, you shouldn't use signed for mail with a PO Box.  It will either not be signed by the bank but signed by the post office or it will be pulled out of the address it needs to go to and passed on to a different address and they may take their time getting it to the right place or may not even know where the right place is.

Also, this thread is about bank charges reclaim and that has pretty much been a dead subject for over a decade now.   It is only current hardship cases they consider nowadays.

Hi
thanks. No it wasn’t a PO Box address. That’s helpful as maybe they are sending it somewhere else . 

Yes this is a financial hardship case . He lost his job and Natwest charges became about £90 a month so his unemployment payments were being taken up majorly by bank charges. He lost so much weight as he couldn’t afford to eat . So I think he should get something back - I sent his statements to show us and friends sending him money here and there so he could buy food and help him not go over his massive overdraft. Also showed all the charges etc. 
Hopefully he will get something back

Do you mean it's a current hardship case or are you trying to retrospectively put in a hardship case? Did he talk to the bank at the time? How long ago was this?

yes it’s a current hardship case but it has been going on 3 years with these charges and his situation became so bad that he no longer could afford his rent as was so badly in arrears and has recently had to move out. I did get him to ring the bank during that time but they didn’t help at all. I don’t know what exactly was said as he does need help with things like this and cannot remember what people say or how to talk to people .