Can I do it too?

C1aire

Throughout my years as a student, I was forever being charged by my bank (Halifax) for going over my overdraft. Can I still reclaim those charges if I am still in the process of paying back the overdraft. Also, what evidence of these charges do I need to provide?

Sorry if this is repeating other threads, but can anyone put me in the know?

Thank you

Cx

Noz

yes you can, follow Martin's article (http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,)

C1aire

Thank you. I'm just printing off the letter requesting my account information now and I can't wait to send it off. This is also the bank that cancelled my overdraft without warning in the middle of my finals because they 'thought I'd graduated' so it feels like a fitting revenge for all that stress and panic, not to mention a diet of soup for three years because of all the charges.

Hurrah!

Sunshine_and_Roses

I have been a good girl (!) for the last couple of years, and have not incurred any charges. Prior to that, I honestly can't remember if I have been charged or not.

I moved in with my OH 18 months ago, and took charge of all the finances. He used to go overdrawn on his account, but unsure if or how much he was charged.

Typically, we have thrown all bank statements away that date before 2005.

I have been trying to read through all the posts, and if I am correct my first job is to send the Data Protection letter with £10 for each account (is that right?)

Do you think it is worth me giving it a go? Any help would be appreciated.

C1aire

Why not?

What could you possibly have to lose?

Yes, the first step is the letter and a tenner asking for account information - there's a template one in the stage-by-stage instructions.

Good luck x

Edinburghlass_2

The new article is up on the Main Site now, same link as before

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632

Sunshine_and_Roses

I have got the letter ready and cheque written for my OH's account.

Do I need to set him up a new bank account before I send the letter off?

We have a joint account and I have a current account with A&L, his current account is with HSBC at the moment. I know I cannot refer him as a 'friend' as we already have the joint account, but can I set him up a new A7L account via Quidco and get £50?

Is there an account with A&L that sends statements through the post, or is it internet only?

Thanks

nads

clareski wrote:

Do I need to set him up a new bank account before I send the letter off?

Definately! Just to be on the safe side reallty. But I think you already know that!

clareski wrote:

We have a joint account and I have a current account with A&L, his current account is with HSBC at the moment. I know I cannot refer him as a 'friend' as we already have the joint account, but can I set him up a new A7L account via Quidco and get £50?

I think so, get him to go through quidco and then you guys need to fill in the following form:

http://www.alliance-leicester.co.uk/currentaccounts/CA2312.pdf

clareski wrote:

Is there an account with A&L that sends statements through the post, or is it internet only?

Thanks

If you want the cashback, the OH has sign up for a Premier Direct Current Account or a Premier Current Account which are Internet Only - though statements can be downloaded and for £5 you can get one through the post . They do have a current account - very originally called Current Account which appears to send postal statements but I can't find anything online on the account.

Sunshine_and_Roses

Well I have now applied for an A&L Premier Current Account for OH via Quidco, the cheque and letter are on their way to HSBC.

Wish me luck, and watch this space!

C1aire

I think I might have fallen at the first fence.



I sent the request for data to my local branch - the one that opened the account. Is this wrong? Will they redirect it or will they just ignore it?

Rex_Mundi

C1aire wrote:

I think I might have fallen at the first fence.



I sent the request for data to my local branch - the one that opened the account. Is this wrong? Will they redirect it or will they just ignore it?

I'm dealing with four banks for different people. I've sent every letter to the persons own branch. This has been fine.