Reclaim Unfair Bank Charges Discussion Area

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flameboy wrote: »

can I claim on my current account, just had letter back saying they would give me no money as it is for creditcards only, is this correct?

You can claim on a current account and this but one attempt the banks usually make to wriggle out of paying. Follow the process and send the template letters sticking to the timescales. There is little point entering into the various arguements they will produce so save yourself the stress. They will pay whine and protest but always pay up eventually. Good luck

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LittleLady wrote: »

Hi, I'd really appreciate any advice on my situation.
I bank with HSBC and have £700 overdraft limit. Got paid monthly wages, then didn't realise I had gone over my overdraft (I'm now -£900). So, got charged £150.
But HSBC charged me while I was still overdrawn, so gone further over my OD.

Now, got paid again this month but my wages wasn't enough (because of charge). Now, had phonecalls from HSBC to say I'm being charged ANOTHER £150 this month. Told them not to take it coz it'll send me OVER my overdraft even more. They will not listen.

It's like a vicious cycle, I'm overdrawn because they charged me, so they charge me AGAIN the next month, so I go even more overdrawn.
I can see this happening for a few months. But had letter demanding full payment, or face closure of account.
I'm really scared about this. They're guna keep charging me and I dont have enough money to pay the charges. I can't borrow from anyone. I've applied for second jobs n bars etc to try pay the charges.

My situation at present; aged 21, work full-time but going to Uni in Sept. Live with parents, only outgoings are car payments (£167), insurance (40), rent to parents (100), phone bill (40) and odd things. Have cut down A LOT!

What can I do? PLEASE help.xx

First thing to do is stop your wages going into that account and dont pay any more charges. It will take a couple of weeks to open a basic bank account but probably before its time to be paid again. It might be an idea to speak to your employer to see if there is another way you can be paid just until you get another account running.

Start reclaiming now and if you have been charged before you need the details of this. HSBC have 6 years statements available to view online if you have internet banking with them. Follow the templates and timescales laid out in the main article and any help you need along the way ask here in the forum. there will be someone who has been there and done it and the HSBC thread is here for information and support.

http://forums.moneysavingexpert.com/showthread.html?t=400981

Dont worry about repayment of the overdraft and inform them that you will not arrange payment until the charges are refunded since the account is currently in dispute. Repayment of the overdraft can eventually be arranged based on your incomings and outgoings. If they close your account it is no great loss as you can always get another one for payment of wages and any essential direct debits.

I realise this is probably very scary for you right now but please dont worry too much . The situation can be resolved and you will be better off in the long run. Dont stress yourself looking for another job to pay bank charges. They will threaten and bully but ultimately there isnt much they can actually do to you. You are entitled to them back and it is only a matter of time before you get them.
Good luck

sfinch_3

hi just wondering my daughter who is 16 has recently opened a bank account and natwest have allowed her to go overdrawn by £7 is it true that under 18s are not allowed an overdraft??????

sfinch_3

also another question i have now received notice of transfer of proceedings from my local court i have sent my statements to natwests solicitor as requested and i have now received the same letters back and are asking for an allocation questionaire so i send the same forms to my court now as requested. many thanks for all your help so far i think i would have given up a lng time ago otherwise

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sfinch wrote: »

hi just wondering my daughter who is 16 has recently opened a bank account and natwest have allowed her to go overdrawn by £7 is it true that under 18s are not allowed an overdraft??????

A bit of information on under-18s and banking here:
http://www.adviceguide.org.uk/index/your_world/consumer_affairs/young_people_money_and_consumer_rights.htm#banking_credit_and_borrowing_money

sfinch_3

hi just wondering if any one has a copy or link to the n149 allocation questionnaire , i have tried to download it from cag but can seem to open it thanks 2 u all

Thor92

Hi all, I sent my first letter of to Citicards on reclaiming my late payments and i got my reply yesterday saying on the 5th April 06 OFT reasoned that there charges where to high so thet lowered their charges to £12 in June 06. They also go on to say that when challenged in court the cases have all resulted in the claims being dismissed and the courts have implicitly held that the policy is fair and the charges reasonable, being in line with both the OFT guidance and common law principles of damage for breach of contract.

What do i do now? As i'm from N Ireland i'm a little worried about the case that they defended in N Ireland.

grimreaper

callyh21 wrote: »

Lloyds have put in a defence to my claim stating that they wish to defend all of my claim for £1220 inc int and court charge. That was a week ago, any ideas on what will happen next? Do i just have to wait for a court date?
Thanks

the bank has 28 days from when claim was served they get an extra 14 days for acknowledging claim

totaling 28 days

almond

hi lloyds bank
need advice
sent letter asking for statements 23rd march at same time sent asking for money back on charges I could check on line.
sent second letter before court no reply date was up 14th april
now got a letter with breakdown of charges for the last six years do I just start again or do two claims to the court.
from letter received
please find enclosed details of charges going back to the date you opened
your account, or 1st september 2001, whichever date is the most recent.
at the bottom
* please send any remaining statements prior to 1st september 2001
anybody else had this?

Mandy1980_2

Hi
Claiming over £600 back from Capital One and they have offered £168.00 and state that it is the difference between the £20 and £12 charge. I am not happy with this, can i claim back the full amount? Also i want to state in my next letter, if you didnt charge me so much i would never be in the situation i am in now. They have sent it to a debt collection agency