Bank Charges Reclaiming Guide discussion

moonflower_2

I applied for return of my HSC

moonflower_2

Sorry,
I applied for the return of HSBC bank charges in 2008? I was offered £4000 they owed me far more and I

declined their offer. However at a later date I contacted them again and they will refund the charges as I

refused the offer.I did however say that I would accept their offer as part payment.I did refer this to the

ombudsman at the time and they upheld the HSBC decision. I was then and am now in financial hardship.

Is there anything that I can do?Please help

soontobesensible

Wondered if any of you people out there could please help me?
I am in Hardship at the moment and I have been told that i could possibly try and reclaim bank charges because of it with Lloyds TSB? This would be great if I could as it would mean I could pay off my outstanding overdraft with them. Just wanted to know if this was so and how far back i could claim?
Thank You!

Little_Mo_70

moonflower wrote: »

Sorry,
I applied for the return of HSBC bank charges in 2008? I was offered £4000 they owed me far more and I

declined their offer. However at a later date I contacted them again and they will refund the charges as I

refused the offer.I did however say that I would accept their offer as part payment.I did refer this to the

ombudsman at the time and they upheld the HSBC decision. I was then and am now in financial hardship.

Is there anything that I can do?Please help

I presume you meant that they would not refund the charges as you refused the offer?

If you have been to the FOS and failed your only other recourse would be to go to court but check very carefully on the reasons why the FOS upheld the HSBC decision. Perhaps, another letter to them first though or phone the FOS for advice? You have nothing to lose.

gippa1973

Hello to you all on this fantastic forum.
Just a quick question with regards to bank charges claims on hold, i am one of many who has to wait and see what develops, but a thought occured to me the other day that my bank has been sold( Northern rock) and would the new owners(virgin money) be liable for any charges should they be paid out at any time soon?

anyone have any thoughts on this please?

Kind regards and best wishes for 2012!:D

sammie09_2

Hi everyone,I have severe learning disabilities and I'm getting charges on charges every month on my current and key account with the rbs and I've been trying to readabout what to do on hear for the past four months and still don't know what to do,I probably sound really thick but the words and numbers just look jumbled up to me is there any way I can get help to claim my bank charges if anyone knows of any as I'm stuck in a rut and I don't work and just loosing money all the time and going without my son is writing this for me as I tell him what to say please help many thanks

claypath

Hi
Hope someone can give advice
I am on a DMP at present and would like to reclaim my overdraught charges from the above bank. The interest for a number of months is over £30 plus a £5 usage fee per month. Is it possible to reclaim these charges back or is it the norm what they charge
Thanks in advance for any replies
Claypath

Princess_Cutie_Pie

Hi All,
I am wanting to contact Natwest with regards to charges dating back several years. I also have an overdraft on the same account which I am trying to clear. I would be more than happy to use any money they gave me back to clear some of the overdraft. Should I mention this in the letter to them or see what their response is first?
Many Thanks

Little_Mo_70

Princess_Cutie_Pie wrote: »

Hi All,
I am wanting to contact Natwest with regards to charges dating back several years. I also have an overdraft on the same account which I am trying to clear. I would be more than happy to use any money they gave me back to clear some of the overdraft. Should I mention this in the letter to them or see what their response is first?
Many Thanks

If it were me, I would treat it as a separate issue and not mention it.

Little_Mo_70

sammie09 wrote: »

Hi everyone,I have severe learning disabilities and I'm getting charges on charges every month on my current and key account with the rbs and I've been trying to readabout what to do on hear for the past four months and still don't know what to do,I probably sound really thick but the words and numbers just look jumbled up to me is there any way I can get help to claim my bank charges if anyone knows of any as I'm stuck in a rut and I don't work and just loosing money all the time and going without my son is writing this for me as I tell him what to say please help many thanks

Hello sammie09.

Why not contact your local Council's Welfare Rights Officer. These people provide free and confidential information and assistance on benefits, housing and debt issues.

They should be able to offer you the appropriate advice on how to manage your finances to prevent you getting into any more difficulties. and hopefully advise on how to approach the problem of dealing with the spiralling bank charges. Mention this site too and see if they feel whether the hardship rule applies and ask if they would be able to help you claim back your charges. Good luck