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Is it possible to claim these bank charges now?
Okydoky25
Posts: 1,139 Forumite
Off the back of a thread I just read I'm now wondering if I am able to claim my overdraft charges Back. I was made redundant last year and I bank with Halifax. As I have an £1150 overdraft I get charged £1 a day however with little money going in now I get charged £30 a month for which I have to then find to pay each month and so on, occasionally not finding it in time and then getting charged daily £5. Am I able to reclaim these under the Hardship clause or not because charges are now not classed as excessive?
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Comments
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As I have an £1150 overdraft I get charged £1 a day however with little money going in now I get charged £30 a month for which I have to then find to pay each month and so on, occasionally not finding it in time and then getting charged daily £5. Am I able to reclaim these under the Hardship clause or not because charges are now not classed as excessive?
They are certainly not excessive. Although that argument has failed anyway.
You may be able to ask the bank to review your charges under financial hardship criteria. Hardship typically covers people with priority arrears (council tax, utilities etc). It doesnt cover those struggling but just about managing to make ends meet. However, if you tell them your position, they may still offer a goodwill refund of some of the charges.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
They are certainly not excessive. Although that argument has failed anyway.
You may be able to ask the bank to review your charges under financial hardship criteria. Hardship typically covers people with priority arrears (council tax, utilities etc). It doesnt cover those struggling but just about managing to make ends meet. However, if you tell them your position, they may still offer a goodwill refund of some of the charges.
They are agreed overdraft charges, so the hardship provisions may not strictly apply.
However they are required to deal sympathetically with financial difficulties.urs sinserly,
~~joosy jeezus~~0 -
Tbh I'd be grateful if they agreed to could just stop charging them for now so guess wouldn't hurt to pop in and see what they can do0
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