Bank Charges Reclaiming Guide discussion

lucia85

Premier wrote: »

Good luck! ... but I honestly don't think you'll need any.

I feel confident the ombudsman will ensure the bank provides an explanation for the charges they have made

Did you raise a formal complaint with the bank over this matter? If not, all the FOS will do at best at this time is pass your complaint to the bank. If you did, I am really surprised that the formal response was that they could not explain the recent charges on the account, yet didn't remove them either.

I really do hope so,yes i complained to them (lloyds) on more then one occasion but got the same reply from them and on times iv been in the bank questioning something i seen a message on my account saying i met the terms for Financial hardship but still no help so hope this works. will keep all updated.

Bridgev

Good guide thanks, don't think I would meet financial hardship criteria but was wondering if it's worth a try since;

I had well over enough money to cover the overdrawn amount in a linked saver account.
I didn't transfer the money across because of family illness.
I have been a customer for many many yrs and have not incurred bank charges before.
I persuaded my Husband to join the bank as well and he has been a good customer
I have an overdraft set up on my second current account which wasn't overdrawn.
Thanks

Premier_2

Bridgev wrote: »

...I have been a customer for many many yrs and have not incurred bank charges before....

...If you’re reading this after a one-off recent bank charge, just call up the bank and see if it’ll wipe it...

http://www.moneysavingexpert.com/reclaim/bank-charges

Premier_2

matt_h wrote: »

Hi

I went through the procedure on this site, using the human argument/ financial hardship for my girlfriend. The charges were from 2006-2009.

We filled in the income/outcome form for barclays, and there response was confusing. It appeared to be a template letter that someone had forgotten to edit -

It said the complaint was now rejected because we hadnt returned the form, then went to say "thanks for returning the form"? ??

Any ideas on what to do next?
Can we take that as a rejection or not?

I dont want to ring them because the customer service is rubbish and want to get it all in writing.

I'm thinking of writing a letter with a photocopy of the income/outcome form and the original confusing letter from them but is that basically inviting them to reject us?

Thanks

Writing back to them asking to explain further is a good idea.

I'm not sure why you think that is inviting them to reject you :huh:

Bridgev

Thanks, Premier, for your quick and helpful answer. I did ring them and they took off £25 from the original £100 charge. I still think £75 just before Christmas is pretty sadistic of them in the circumstances, but couldn't get them to knock any more off. I've made an official email complaint with all my reasons laid out politely so watch this space.......

Moneyclaimback

Hi

Back in 2007 I tried to claim my bank charges on the 14th of June I filed in a county claims for all my charges to be refunded.

Can I still claim? can I still get my money back?

Can someone explain what i need to write on the letter?

Premier_2

Moneyclaimback wrote: »

Hi

Back in 2007 I tried to claim my bank charges on the 14th of June I filed in a county claims for all my charges to be refunded.

Can I still claim? can I still get my money back?

Can someone explain what i need to write on the letter?

Have you read the guide linked to in the OP? :huh:

becsblade

hi hope someone can help. I have tried to claim bank charges back on behalf of my brother from 2005 onwards amounting to approx £1500. At the time he just muddled along and paid the charges but has recently lost his job and suffered with his health. I have gone down the hardship route but the bank has said they will not consider his claim as at the time of the bank charges he was not suffering financial hardship. At the moment he has no money and is struggling to pay basic bills but it doesnt show in his bank as I am supporting him finacially and keeping the bank charges at bay. Is it worth carrying on and asking the FSO to look into his case. Thanks

zppp

becsblade wrote: »

hi hope someone can help. I have tried to claim bank charges back on behalf of my brother from 2005 onwards amounting to approx £1500. At the time he just muddled along and paid the charges but has recently lost his job and suffered with his health. I have gone down the hardship route but the bank has said they will not consider his claim as at the time of the bank charges he was not suffering financial hardship. At the moment he has no money and is struggling to pay basic bills but it doesnt show in his bank as I am supporting him finacially and keeping the bank charges at bay. Is it worth carrying on and asking the FSO to look into his case. Thanks

You can refer the case to the FOS. However, even if the FOS agree that your brother is in harship, they will not make a ruling on charges, because banks don't have to refund charges when financial hardship is proven. I would say though, unless you have either had a final response or 8 weeks have passed since your original complaint, you cannot refer to the Ombudsman.

You may also want to have a look a the financial hardship resources thread at the top of this forum.

Premier_2

becsblade wrote: »

hi hope someone can help. I have tried to claim bank charges back on behalf of my brother from 2005 onwards amounting to approx £1500. At the time he just muddled along and paid the charges but has recently lost his job and suffered with his health. I have gone down the hardship route but the bank has said they will not consider his claim as at the time of the bank charges he was not suffering financial hardship. At the moment he has no money and is struggling to pay basic bills but it doesnt show in his bank as I am supporting him finacially and keeping the bank charges at bay. Is it worth carrying on and asking the FSO to look into his case. Thanks

Historical charges are not something that are banked to be reclaimed later on a rainy day.

The charges incurred in the past are not adversely affecting his current financial hardship you say he is in. For that reason the bank have refdused to refund them on the basis of financial hardship. It's unlikley the FOS will change this.