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Bank Charges Reclaiming Guide discussion

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  • ollyit
    ollyit Posts: 5 Forumite
    edited 25 February 2010 at 12:36PM
    I've been out of the country for a month with work - came back to this horrible letter from halifax saying they wont be upholding your complaint after the court ruling,- saying Ive got eight weeks to reply or they closes my fees complaint -

    scanned letter below copy and paste address and out http:// in front

    img94.imageshack.us/img94/3971/letterlarge.jpg

    How do I go about trying again please? - I started this back in 2006!! just want my money back now I'm fed up of licing on the bread line :(

    many thanks in advance regards
  • A much more detailed letter is required, ie what happened to your income to become insufficient to cover outgoings, what you did about this, what your creditors did and the effect the charges currently have. This has to be precise and concise and not simply say, I am in hardship according to the Lending Code because my first reaction to that would be, why?
    You have to explain your individual circumstances to them, ok?
    I did that in both my previous letters. Basically my marriage broke down in September 2007 meaning I had to move out of the house for the sake of the kids. This meant I incurred additional living costs as I still paid the mortgage and had to rent a flat. IT was not long after this charges started being applied to my account. Then I managed to patch things up in the March with my wife and we got back together. Then in the April my mother in law died which meant we had to find all the funeral and burial costs (my wife is an only child). More costs, more charges, further into debt. Then without discussing it, Nationwide reduced my overdraft limit. Again this caused more charges.

    They had all this in writing but still threw it out.
  • just read the new info and copied this from it

    The date range that can be used for this is not as wide as the previous law. This piece of law applies to all new charges from 6 April 2007, and to people who had charges before April 2007 providing the borrowing was still outstanding on 6 April 2008. It also may not apply to accounts closed before April 2007
    would this mean i'm out of the running then as my charges were all from 2002-2004, what does the highlighted section mean?
  • markdsmith wrote: »
    I did that in both my previous letters. Basically my marriage broke down in September 2007 meaning I had to move out of the house for the sake of the kids. This meant I incurred additional living costs as I still paid the mortgage and had to rent a flat. IT was not long after this charges started being applied to my account. Then I managed to patch things up in the March with my wife and we got back together. Then in the April my mother in law died which meant we had to find all the funeral and burial costs (my wife is an only child). More costs, more charges, further into debt. Then without discussing it, Nationwide reduced my overdraft limit. Again this caused more charges.

    They had all this in writing but still threw it out.

    This may seem an odd question but did you contact the bank during that time with regards to your situation and any of the creditors where the arrears built up?
    Do you have utility arrears and mortgage arrears?
    Did you speak with the funeral home with regards to paying off part of the balance in monthly payments?(yes, I know it can be done but not sure if you had that option open to you?)
    I think my gut reaction is that you need to take this to the ombudsman which I believe you are doing.
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
  • 285741
    285741 Posts: 13 Forumite
    hi
    i recently tried to reclaim more credit card charges from 2 credit card companies, i had already claimed charges back from both 2 years ago but have since accrued more charges, 1at one was with MBNA who gave me back my full cliam of £112, next one was with Egg who say they have already paid me for previous charges and therefore say they are not paying me back for this cuurrent claim, is there anything else i can do
  • This may seem an odd question but did you contact the bank during that time with regards to your situation and any of the creditors where the arrears built up?
    Do you have utility arrears and mortgage arrears?
    Did you speak with the funeral home with regards to paying off part of the balance in monthly payments?(yes, I know it can be done but not sure if you had that option open to you?)
    I think my gut reaction is that you need to take this to the ombudsman which I believe you are doing.
    I did contact the bank by letter in June 2008 explaining my situation and asking if they could stop the charges because it was causing me problems. All I got back was a letter with their lst of charges saying I was expected to run my account better in effect. Regarding the Funeral, my income was deemed to be above the levels for benefits. The funeral company were good however and allowed me to pay over three months, but this was still money we didn't budget for, as was my separation.
  • I have to re-do my hardship expenditure and income.
    How can I find out how they judge it?
  • esmerellda
    esmerellda Posts: 2,237 Forumite
    how come you have to re-do it ? The judge it in same was as the debt companies and people like CCCS etc. Priority debts and essential living costs then see what the left over is (if any).
    LegalBeagles
  • basically the answer is YES

    Um, Yes you can claim them back or yes you still have to be in hardship?
  • yes you can claim them back
    I have not worked for NatWest Bank since February 2009

    This username is no longer active.
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