When charges are ongoing during a claim.

cloudmalone

Using the master letter on here, after nearly two months of waiting, my bank has offered to give me back £2000 of the £2923 claimed.

Since putting in this claim, there have been further charges on my account - the bank have refused to help in any way despite my having a clear credit history, they simply tell me I am at the maximum of my borrowing limit.

My question is this: If I accept this offer, which would get rid of the overdraft and stop further charges, will I still be able to claim back charges that have been made since writing the initial letter?

Thank you for any advice on this you can give.

Chalky87

Hello,

I claimed my bank charges back from NatWest early this year after going through the advised steps on the various boards. However, I have unfortunately yet again been charged for going overdrawn (£38 fee).

When the bank refunded the original charge amounts a few months ago, they did state that they would not entertain future requests for charge refunds. So I am left wondering whether I can write to them again for charging me for going overdrawn, and try to reclaim this unlawful charge.

Any advice would be helpful. I went overdrawn by a total of £34, for 3 days.

Thanks

whitey

Helen_Samuels

This is quite a long one but will appreciate advice(s) please.

I have a credit card with barclaycard and have a balance of about £10,000, been unable to make paymemts constantly and so the intrests have been rising and rising. I do make payments as oftenm as possible though.

Can I make a claim on the intrests or will it backfire cos I think they may say I have not been making my minium payments and so they are right to charge me.


One other issue is regarding my mortgage. My property was valued 3 years ago by the bank's valuers before approving my mortgage (GMAC) and I got £237,500 mortgage *(interest only)for a property of £250,000. However, due to financial difficulties my total repayment is now £248,000 as I have missed a few payments plus charges on missed payments, etc

Can I claim these charges back and also my property is now been valued at £210,000 to my utter disbelief. Can I hold GMAC liable for this as their valuer valued the property for £250,000 3 years ago; please advise urgently.

Edinburghlass_2

Post already answered in this thread...

http://forums.moneysavingexpert.com/showthread.html?p=3580247#post3580247

Chalky87

Thanks to 'Helen Samuels' for stealing the thread, but going back to my original post if anybody could inform me of whether or not I can/should claim back the charge again...would help me out.

Thanks

Rex_Mundi

whitey1987 wrote:

Thanks to 'Helen Samuels' for stealing the thread, but going back to my original post if anybody could inform me of whether or not I can/should claim back the charge again...would help me out.

Thanks

It depends on what you agreed to when you accepted the banks offer. On one account I'm claiming for, the bank have offered £254, £1300, £1700 on a claim for £2600. All of these offers have come with conditions like.....we are not liable for any future charges, and if you accept this you cannot make this deal public.

We have informed the bank that only the full amount with no condtions attached will be acceptable.

So many times I've seen people post that conditions are attached to offers. It's up to the individual whther they accept the conditions or not (I wouldn't).

Chalky87

Well, they basically just sent me a letter back with the refund, I didn't actually sign anything and send it back to them in order to gain the refund of charges, but it did say something about them not being willing to listen to any future matters regarding charges.

nickmack

When you get your refund, if it's through court proceedings, then do not sign any sort of agreement. Some banks have tried to 'gag' customers and also make them sign to say they won't try and reclaim again.

HSBC tried this with me, I told them where to go. I did have another bank charge after I made my big claim. I phoned them up and told them I'd like it refunded. They refused, I then told them that I would take them to court again and that it would cost them more for their solicitor to write a letter than to refund what I was asking. The chap went away and within 5 mins the charges were refunded again!

bengal-stripe

nickmack wrote:

I did have another bank charge after I made my big claim. I phoned them up and told them I'd like it refunded. They refused,

Of course, it would be totally unreasonable for a bank to expect customers, to run their accounts properly.

Rex_Mundi

bengal-stripe wrote:

Of course, it would be totally unreasonable for a bank to expect customers, to run their accounts properly.

Is it also totally unreasonable to expect big multinational companies (the banks) to conduct thier business within the law?

medward

nickmack wrote:

When you get your refund, if it's through court proceedings, then do not sign any sort of agreement. Some banks have tried to 'gag' customers and also make them sign to say they won't try and reclaim again.

HSBC tried this with me, I told them where to go. I did have another bank charge after I made my big claim. I phoned them up and told them I'd like it refunded. They refused, I then told them that I would take them to court again and that it would cost them more for their solicitor to write a letter than to refund what I was asking. The chap went away and within 5 mins the charges were refunded again!

i read your post with some interest. i successfully got HSBC to refund all my bank charges over the last 6 years (£1,270 in total) but have discovered that since my initial claim, another £375 of charges have been applied to my account. perhaps unwisely, i signed a letter effectively saying i wouldn't make any future claims. but i'm now questioning the legality of this letter, bearing in mind the charges that they've levied on my account are themselves illegal anyway. do you think i should press ahead with another claim to obtain the £375?