daniellej168 wrote: »
Hi, when your saying that your claiming money back from your bank...it is over draft charges isn't it?
My boyfriend has lived in his over draft for over 10 years and pays £40 a month to have it. He's stuck in a vicious circle now and can't get out of it. He's resulted in payday loans and credit cards. He doesn't have any household bills to pay as he's back with his parents now. But he has debts to pay off.
Do you think he has a chance to claim some money back? Or at the very least stop the £40 a month for a bit so he can try to get back on his feet?
whammy wrote: »
I was wondering before I dig any further if I can claim back my monthly business bank account charges on an account I've held since 2010. I have had no overdraft facility throughout this time, and the charges are for the day to day running of the account. I am on the brink of closing down, and am looking for a way to get me over this hurdle.
BryanWal wrote: »
I have had current accounts for years! getting little useless bits n bobs as incentives to have the accounts.
but not till recently did I realise that there is a free option.
I always thought I had to pay!
The current account I'm using now I get full road side assistance with free flag n travel insurance I have used these and its worth while as the numbers add up price for price so I don't want to loose these.
but can I clam for the old Current accounts (all with natwest bank)
savo456 wrote: »
hi all, first post for me but long time reader of Martin's emails...
I have recently become aware of the wife's difficulties with her bank (from before we met and married) so have been trying help her out.
In the last 6 years (only data available) she's had some £3,200 in bank charges. This is for returned DD's, being overdrawn and using a reserve facility in the overdraft. This overdraft is £3,000 with the reserve being £500 of this.
In that same period she had to take out other forms of credit to make ends meet. These loans totalled over £13,700 - she made the minimum on all these and has cleared these successfully. She also has had two credit cards with a value of £10,700 and again made at least the minimum on these. the cards have now been cleared as I have helped her out. Obviously, there's a lot of interest paid on these credit agreements too...
So the question is this; can this situation be considered hardship and should the FOS agree with us or the bank? Is it worth mentioning that the same bank has already paid out on mis-sold packaged account fees (ineligible for insurance/cover) as well as PPI?
Any thoughts gratefully received!
So the question is this; can this situation be considered hardship and should the FOS agree with us or the bank?
Is it worth mentioning that the same bank has already paid out on mis-sold packaged account fees (ineligible for insurance/cover) as well as PPI?
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