Bank Charges Reclaiming Guide discussion

chants1981

moaninminnie wrote: »

Has ANYONE had ANY success with Lloyds TSB? Please can SOMEONE offer me ANY hope of ever getting these charges back!!

:eek: Please c my previous post and i shall keep you up2date...Lloyds are a terrible company..honestly...go down the Ombsman route

natweststaffmember

deanag wrote: »

can you please tell me if i can still claim bank charges if i did not repley back to the bank within the eight week period

Yes you most certainly can.

xmickeyx

I have sent my letter to rbs for 1400 not including intrest worth or charges my ovedraft with them is 500 so hoping to at least clear that would be a help I am payin a 100 a month to reduce it. my partner just got a letter from halifax he is getting his payment protection on his loan back in a few weeks he only sent one letter to them didnt even have to argue with him!

anyone else been succesful with rbs bank charges?????

thanks

wagandmag

hi wonder could you help, i was deemed to be in financial hardship due to loss of job and a marraig breakup leaveing me with 2 kids to bring up im with hsbc they made me a payment of 680 pounds as a good will gesture stateing that it was 320 pounds per mounth liveing allowance and to reapply in 2 mounthe time we had a joint account and therefor i need my ex to sign for the money they then offerd 140 pounds as a good will gesture after the court ruleing however she (bless her) will not sign for the money i want to know if A I CAN PROCEED WITH THE CLAIM AS I WAS RULED TO BE IN FINANCIAL HARDSHIP BEFORE THE SUPREAM COURT RULING AND B. CAN I ACCESS THE MONEY WITHOUT HER SIGNATURE can anyone help please thanks henry

g-unit_2

Got a letter from LloydsTSB this morning, they are still hiding behind the Supreme Court ruling. Even after 2 years of waiting I have still not had anything from them, not even the financial expenditure form for claiming hardship. My direct debit charges of £385, and £245 cannot be judged by fairness even though the letter I got today clearly states that they charged £35 for a returned direct debit. Surely they must be breaching some sort of terms and conditions if they say charges are a certain amount and then take 10 times that amount, they might as well just nick my wallet as well.

Rusty78

Hi,
Not sure if I can go anywhere with this, hence me writing on here for your help and guidance.

I have a £2000 overdraft limit with Natwest and I went over that limit once. Even after that miscaculation I've always stayed within my limit. Yet, the bank still charges me £31 in charges and £13 in interest - every month. Do I have a case of maybe taking this further?

Thanks for your time in reading this.

natweststaffmember

wagandmag wrote: »

hi wonder could you help, i was deemed to be in financial hardship due to loss of job and a marraig breakup leaveing me with 2 kids to bring up im with hsbc they made me a payment of 680 pounds as a good will gesture stateing that it was 320 pounds per mounth liveing allowance and to reapply in 2 mounthe time we had a joint account and therefor i need my ex to sign for the money they then offerd 140 pounds as a good will gesture after the court ruleing however she (bless her) will not sign for the money i want to know if A I CAN PROCEED WITH THE CLAIM AS I WAS RULED TO BE IN FINANCIAL HARDSHIP BEFORE THE SUPREAM COURT RULING AND B. CAN I ACCESS THE MONEY WITHOUT HER SIGNATURE can anyone help please thanks henry

Is the joint account still open or is the account noted as being in dispute?
Furthermore, will they agree to £70.00 as the money realistically should be split 50/50 and that would be reasonable under the circumstances?

natweststaffmember

g-unit wrote: »

Got a letter from LloydsTSB this morning, they are still hiding behind the Supreme Court ruling. Even after 2 years of waiting I have still not had anything from them, not even the financial expenditure form for claiming hardship. My direct debit charges of £385, and £245 cannot be judged by fairness even though the letter I got today clearly states that they charged £35 for a returned direct debit. Surely they must be breaching some sort of terms and conditions if they say charges are a certain amount and then take 10 times that amount, they might as well just nick my wallet as well.

Charges do not have to be the cost to the banks to be fair. Are you in financial hardship?

natweststaffmember

Rusty78 wrote: »

Hi,
Not sure if I can go anywhere with this, hence me writing on here for your help and guidance.

I have a £2000 overdraft limit with Natwest and I went over that limit once. Even after that miscaculation I've always stayed within my limit. Yet, the bank still charges me £31 in charges and £13 in interest - every month. Do I have a case of maybe taking this further?

Thanks for your time in reading this.

Ok, I think the_insider was asking you on your thread. I think the account might be either (a) a graduate account or (b) a former graduate account and it may even have the packaged account of Advantage Gold on it as well....
Need a bit more info as to type of account and when you graduated if it is a grad account.

chants1981

g-unit wrote: »

Got a letter from LloydsTSB this morning, they are still hiding behind the Supreme Court ruling. Even after 2 years of waiting I have still not had anything from them, not even the financial expenditure form for claiming hardship. My direct debit charges of £385, and £245 cannot be judged by fairness even though the letter I got today clearly states that they charged £35 for a returned direct debit. Surely they must be breaching some sort of terms and conditions if they say charges are a certain amount and then take 10 times that amount, they might as well just nick my wallet as well.

:eek: go straight to the Ombusman and register you complaint like i did. They are very helpful and will take your details and send you papers to sign and send back. 0845 080 1800 good luck