Reclaim Unfair Bank Charges Discussion Area

Edinburghlass_2

emma_c82 wrote:

I need some help. I have just got my bank charges back from the halifax £927. I'm now going for the credit cards. I called them today asking for my statements etc and was advised by the operator that i would be charged £5 for each one. In total £200. Is this correct? I said i'd look into it and get back to them. Can anybody help?

This is because you asked for statements and the banks/credit card companies are entitled to charge for copy statement. Either write using the letter in the link below or phone them quoting the letter "Ask for charge details", they are entitled to charge you £10 for this.

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

Idiophreak

nickmack wrote:

If it transpires that people who run their accounts well, pay far less than those who mis-manage, it makes me wonder what some people who believe they fall into the first camp are concerned about in this thread.

So, I go to a shop and they charge me £30 for a bottle of water.

I say "that's a bit expensive"
They say "well, that guy over there, we charged *him* £700, so think yourself lucky".

Just because people who look after their accounts pay much less, doesn't mean they're not paying more than they should.

krisskross

It would be interesting to know what % of folks with a bank account are claiming back charges. Those of us opposed to the possible end of free banking on the back of this particular tidal wave are very much the minority on this thread, but surely that couldn't be the case in Britain as a whole? Surely there must be more who play the game/keep solvent/do not incur charges than don't?

nickmack

Idiophreak wrote:

Just because people who look after their accounts pay much less, doesn't mean they're not paying more than they should.

By this I guess you mean, people who run their accounts 'well' should pay nothing. I agree, but it's not my decision.

In reality I think we'll find *if* banks do introduce charges for everyday banking, it will not be across the board, it will only be for those who don't meet certain criteria with regards to deposits or useage.

cooperbob

krisskross wrote:

It would be interesting to know what % of folks with a bank account are claiming back charges. Those of us opposed to the possible end of free banking on the back of this particular tidal wave are very much the minority on this thread, but surely that couldn't be the case in Britain as a whole? Surely there must be more who play the game/keep solvent/do not incur charges than don't?

Free banking? I still have to pay a monthly fee to the yorkshire
I am claiming back over 2.5k because

A/ I trusted my wife
B/ I trusted my bank to keep me informed of how much debt I was in.
C/ We are all hamstrung with terms and conditions either pay up or have no account
D/ The charges are unlawful.

Greggie

Hi,

I got letters returned by Cap One including my 10 fee which I paid for in cash saying they don't accept cash can I resend 20 pounds via cheque or postal order!!!!!

Just phoned Freephone number at top of page and spoke to Darren who said statements will take up to 40 days as stated in stat etc......Then he started an argument with me over my account how he doesn't agree with our DMC and said you will have to speak with them, he said no I will speak to you, after tooing and froing for some time, I said I look forward to receiving the statements.

Not convinced Darren will process this action for me rang again and spoke to Issac who told me they would take between 7 and 10 working days to arrive and no hassle!! Bless him

Lets see if I get them and for free too.....!!

:mad:

sarah1975uk

Need_More_Money wrote:

Sure. I would agree with you. BUT there will still be case where someone can't get another job for whatever reason

Unless of ill health etc i can see no reason why somebody cannot get a job. I would get a job doing anything if it meant putting food on the table and keeping a roof over my kids head! there just is no excuse!

krisskross

cooperbob wrote:

Free banking? I still have to pay a monthly fee to the yorkshire
I am claiming back over 2.5k because

A/ I trusted my wife
B/ I trusted my bank to keep me informed of how much debt I was in.
C/ We are all hamstrung with terms and conditions either pay up or have no account
D/ The charges are unlawful.

So nothing to do with you at all

mustrum_ridcully

nickmack wrote:

It doesn't matter whether mistakes were made or people deliberately incurred charges. The penalty charge is unlawful and cannot be enforced. Yes, some people need to manage their money better, but many claimants have genuine problems with money that are not necessarily their fault.

IIRC the OFT said they believe the charges to be unlawful - there has been no judgement made in a court of law as to whether they are lawful or unlawful.

Innocent until proven guilty anyone?

cooperbob

krisskross wrote:

So nothing to do with you at all

Not quite nothing, I provided all the money :P