I'm a bit lost with all this!! Are we claiming now or waiting??

jonnywoods

Hi, I claimed before several years ago and was paid off nicely by HSBC. Unfortunately I have had charges since and am therefore hoping I can claim again. Are we waiting for further instruction at the moment or carrying on with it? I haven't started this claim yet, should I do so at the moment? I won't qualify for financial hardship, but could really do with the money.

custardy

jonnywoods wrote: »

Hi, I claimed before several years ago and was paid off nicely by HSBC. Unfortunately I have had charges since and am therefore hoping I can claim again. Are we waiting for further instruction at the moment or carrying on with it? I haven't started this claim yet, should I do so at the moment? I won't qualify for financial hardship, but could really do with the money.

isnt this the perfect argument against reclaiming for the banks?

jonnywoods

Wow isn't it lovely how judgemental people can be without even knowing somebody!? Yes I messed up a second time under some very difficult circumstances. Maybe I don't deserve any money back. Sorry for asking a simple question.

custardy

jonnywoods wrote: »

Wow isn't it lovely how judgemental people can be without even knowing somebody!? Yes I messed up a second time under some very difficult circumstances. Maybe I don't deserve any money back. Sorry for asking a simple question.

and you think others dont have problems?
the fact is by getting your charges back then doing it all over again its adds weight to the banks side of things

ilesmark

Wow indeed - I'm with the OP on this one.

All he did was ask a simple question - on a forum that's meant to be for people helping each other to get bank charges back, for god's sake - and instead he got his throat jumped down by people seemingly on the side of the banks.

Yes the easiest way to avoid charges is not to incur them in the first place, but that can be a bit simplistic at times. Would you be happy if you had stopped for 10 seconds to post a letter and got ticketed by a traffic warden who had been hiding around the corner ready to pounce as soon as he saw anyone stopping, so as to up his ticket quota? No you wouldn't - yet this is how banks make their money from charges. THEY DESERVE TO BE CHALLENGED!

custardy

ilesmark wrote: »

Wow indeed - I'm with the OP on this one.

All he did was ask a simple question - on a forum that's meant to be for people helping each other to get bank charges back, for god's sake - and instead he got his throat jumped down by people seemingly on the side of the banks.

Yes the easiest way to avoid charges is not to incur them in the first place, but that can be a bit simplistic at times. Would you be happy if you had stopped for 10 seconds to post a letter and got ticketed by a traffic warden who had been hiding around the corner ready to pounce as soon as he saw anyone stopping, so as to up his ticket quota? No you wouldn't - yet this is how banks make their money from charges.

they dont make a penny from me now
i learned the hard way

natweststaffmember

Premier wrote: »

Is that the royal we?
For the love of God, come on, stop being so petty(you were doing so well ).
Because if not, I'm not reclaiming now nor plan to reclaim in the future. That's because I try to follow Martin's advice on this which is that the best way to avoid incurring bank charges is to not get them in the first place.
He also says be nice to new members of the forum which alas you appear to have forgotten briefly(albeit you did at least respond ).
It's a shame you didn't learn from the last claim you made, especially if as you say you could really do with the money. The good times are over, I'm afraid, especially as you can't claim based on financial hardship.

Take a look at the MSE guide to reclaiming based on legal grounds if you want to try.
http://www.moneysavingexpert.com/reclaim/oft-bank-charges
Note the risks involved and that the suggestions given are totally unproven and untested.

There are cases going through the county court system and sherriff court(in scotland) which are testing those legal arguments. I would say that if the newer charges have been made within the last 6 years that patience might be worth it or you will need to read the guide to reclaiming thoroughly and understand it.

Premier_2

natweststaffmember wrote: »

He also says be nice to new members of the forum which alas you appear to have forgotten briefly(albeit you did at least respond ).

I was being nice. I was responding to the question posed by the OP.

Sadly, the response given doesn't appear to contain the words that the OP wanted to hear. Life's tough like that, innit? When you pose a question on an open forum like this, you can't expect the responses to match your desires. The responses offer advice that answers the question posed.

Here's another bit I'd remind people of if they think the response was not nice:
If you spot a spam, illegal, offensive, racist, libellous post or PM please email [EMAIL="abuse@moneysavingexpert.com"]!!!!!![/EMAIL]

Whilst I'm at it, here's some more words from Martin regarding attempting to reclaim bank fees based on legal arguments in court:

Prior to the bank charges test case, many found going to court was the easy route, you put in a claim, the bank didn’t defend, you won by default and got the cash.

That’s extremely unlikely to happen now. Going to court is unlikely to be easy and frankly most people shouldn’t attempt it. To do so you may need to write a bespoke legal complaint, ensure you understand what are new and untested complex legal arguments and maybe even go up against the banks barristers.

There is no guarantee of success, lose and you could lose court fees of £100s, and in extreme examples, if your case wasn’t dealt with by the small claims system, risk having to pay the banks costs.

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


And in regards my earlier comment, here you go:

combat bank charges yourself with three quick steps. Step 1: Avoid 'em. The best way to fight them is not to get them, do a budget and constantly check your statements.

http://www.moneysavingexpert.com/tips/17-03-2010/

Sounds like some people just don't like comments that are not aligned to their own opinions,... even when it is uttered by the owner of this site

natweststaffmember

As clearly we are both having problems today then here is how I, if I was the username Premier, would answer the question. They still wouldn't have liked it but the informative style might have stopped them having to tell you how you made them feel.
If you can't see that now then I can let you borrow my glasses if you haven't had your eyes checked recently(I did and it was specsavers---please don't suggest I get a refund btw )

EDIT: !!!!!! Premier with the editing. It is not WHAT you say but the manner in which you say it. Surely you understand that bid as well?

jonnywoods wrote: »

Hi, I claimed before several years ago and was paid off nicely by HSBC. Unfortunately I have had charges since and am therefore hoping I can claim again. Are we waiting for further instruction at the moment or carrying on with it?
have you read the guide(Insert link to it)
I haven't started this claim yet, should I do so at the moment?
Premier's cautious approach based on what the guide says.
I won't qualify for financial hardship, but could really do with the money.

Again, your style is that court decided blah blah blah, read Martin's guide carefully before deciding what to do.

Premier_2

natweststaffmember wrote: »

As clearly we are both having problems today ...

I think you must be confused; I'm not having any problems thank you

natweststaffmember wrote: »

EDIT: !!!!!! Premier with the editing. It is not WHAT you say but the manner in which you say it. Surely you understand that bid as well?

Eh?

Here you go. Compare & contrast. I know which I find more abrupt (and it isn't mine, sorry if you don't agree)

Premier wrote:

... I'm not reclaiming now nor plan to reclaim in the future. That's because I try to follow Martin's advice on this which is that the best way to avoid incurring bank charges is to not get them in the first place...

_MSE_Martin wrote:

combat bank charges yourself with three quick steps. Step 1: Avoid 'em. The best way to fight them is not to get them, do a budget and constantly check your statements.

mikeandrach_2

i disagree with what premier says most of the time, but why the attitude? you have a right to your view, but your attitude is horrendous. why can't you accept that there are some people less perfect than you? i'm very pleased you manage your finances to perfection, congratulations and well done, have a beer on me.
believe it or not, some of us dont enjoy being in debt, we dont enjoy getting charges, but through our own mistakes it happens, i hope your pedestal breaks soon.
if you ever incur a charge, please tell us, i could do with a laugh