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Bank Charges Reclaiming Guide discussion
Comments
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I've now got my head above the water and debt free
Would I be able to approach my bank to ask for the credit card charges back, or do I not have a case
Your post indicates that you are not in financial hardship.
Sorry.0 -
The reason I own a Sky subscription (which I managed to get a good deal on after a bit of haggling) is because my partner and I rarely -if ever- go out - we can't afford to, so that's our only form of entertainment. Secondly, my partner needs it for work and I need it so I can do things like search for jobs (yes I am already working but trying to improve my prospects) and ask questions on this forum. No sky, no internet. I don't really consider this a "luxury item" if you need it for work. I do consider myself in hardship, given that I'm trying to pay off an overdraft and finding it impossible with snowballing charges.0
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"Otherwise, you will get the automatic response quoting the supreme court outcome."
- what does this mean?0 -
"Otherwise, you will get the automatic response quoting the supreme court outcome."
- what does this mean?
If you complain about unfair charges or old bank charges, the bank will simply point you to the 2009 supreme court case that the banks won on charges.Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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The reason I own a Sky subscription (which I managed to get a good deal on after a bit of haggling) is because my partner and I rarely -if ever- go out - we can't afford to, so that's our only form of entertainment. Secondly, my partner needs it for work and I need it so I can do things like search for jobs (yes I am already working but trying to improve my prospects) and ask questions on this forum. No sky, no internet. I don't really consider this a "luxury item" if you need it for work. I do consider myself in hardship, given that I'm trying to pay off an overdraft and finding it impossible with snowballing charges.
With "luxury" items, an internet connection is not an issue, however, like it or not, an expensive TV package is - someone in genuine hardship would be using freeview basic package and sacrifice sky tv to save money. They also will look at things like spending on clothes (Primark good, Selfridges bad sort of thing), shopping at say M&S vs Aldi etc
Go to the debt free wannabe forum for advice on cutting debts, you may well be wasting money that you don't realise. Spending time on old charges which you won't get back won't get you anywhere. The bank need to be asked to judge current financial hardship and may agree a refund, may freeze future charges etcSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I don't really consider this a "luxury item" if you need it for work. I do consider myself in hardship, given that I'm trying to pay off an overdraft and finding it impossible with snowballing charges.No Sky no internet
If you request your Bank to refund charges on the basis of current Financial Hardship your account will be scrutinised by a specialist team. They will examine your statements and if they find you are paying for subscription TV, an expensive mobile phone contract and doing your shopping at the dearer supermarkets etc this will all count against you.
Finally, any reason why you've left it over a month since your original posting to respond? If you are truly struggling financially time is of the essence, so get yourself over to the "Debt-Free Wannabe" section of this forum and post your Statement Of Affairs (SOA). There are people posting over there with vast experience of dealing with debt and who are more than willing to guide you.
https://forums.moneysavingexpert.com/forumdisplay.php?f=760 -
I read the "Reclaim Bank Charges" here: https://www.moneysavingexpert.com/reclaim/bank-charges/
I wanted to know if reclaiming bank charges worked only for overdrafts on current accounts or if I could use this method to reclaim charges on credit cards, store cards/accounts
thanks a lot0 -
hate-banks wrote: »I read the "Reclaim Bank Charges" here: https://www.moneysavingexpert.com/reclaim/bank-charges/0
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Moneyineptitude wrote: »Read this thread, even just a few pages, and you will be far better informed.
It would have taken less time to just answer the question compared to your useless message.0 -
hate-banks wrote: »It would have taken less time to just answer the question compared to your useless message.
You don't need to read anywhere near 85 pages of this thread to appreciate this.
Sorry my response was "useless", but I sometimes get tired of repeating the same information over and over.0
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