Claimed & Won.... now need to claim again..

LozBingley

Go again - but I doubt the person that has just made you the last offer will be interested in a new claim! BARCLAYS will only pay out in full once you get a court date and will not talk to you until that time, so you have to start all over again!

laura55_2

Hello!

I'm a new poster, so hello to everyone!

I have had success in re-claiming my bank charges from HSBC, however a few months later our joint account has been hit by a £125 overdraft charge again, for going over the limit!

Maybe stupidly, I assumed these charges would stop after they paid them back before? Should I contact my bank about claiming back any more charges I get? I'm confused, surely they are admitting the charges are wrong when they paid them back, so how can they continue to charge?

Thanks for any advise!
Laura xx

Stephen_Leak

laura55 wrote: »

Hello!

I'm a new poster, so hello to everyone!

I have had success in re-claiming my bank charges from HSBC, however a few months later our joint account has been hit by a £125 overdraft charge again, for going over the limit!

Maybe stupidly, I assumed these charges would stop after they paid them back before? Should I contact my bank about claiming back any more charges I get? I'm confused, surely they are admitting the charges are wrong when they paid them back, so how can they continue to charge?

Thanks for any advise!
Laura xx

Whilst I appreciate that it can be difficult, if you are reclaiming charges you really should do everything possible to avoid being charged in future.

They do have every right to charge if you go overdrawn or pay late. The problem is the amount they charge.

Claims in the small claims courts do not set legal precedents.

And most importantly, did the previous settlement have any conditions, like not claiming again? However, I do not believe that you can make someone sign away their rights under the law.

If not, its back to square one, I'm afraid.

Rutlandblue

Hi
Spoke to Nat West today and she said to put on the bottom of the acceptance form the new charges that have occurred since claiming and NAT WEST SHOULD put them onto the money already owing, which they say will go back into account. The lady at NAT WEST was extremely pleasant and understanding and she tells me that at this present time that it is Nat Wests policy to pay the full amount owing to customers, so have done that and sent it recorded Delivery as i do all letters like this. So I can just wait.

Good luck Rutlandblue

jaynemealing

:idea: I'm still getting charges since starting this process beginning of march (very skint thanks to halifax), has anyone claimed back charges again after getting their money back? halifax have been so unsympathetic to me over the last 20 odd years that i feel like carrying on - and on and on - especially as they keep trying to get me to apply for loans etc (which i can't get due to bad credit history!) i know they will eventually get sick of me and close my account but i'm in a fighting mood, p.s. this site is fantastic!

LozBingley

jaynemealing wrote: »

:idea: I'm still getting charges since starting this process beginning of march (very skint thanks to halifax), has anyone claimed back charges again after getting their money back? halifax have been so unsympathetic to me over the last 20 odd years that i feel like carrying on - and on and on - especially as they keep trying to get me to apply for loans etc (which i can't get due to bad credit history!) i know they will eventually get sick of me and close my account but i'm in a fighting mood, p.s. this site is fantastic!

Just because you have claimed, it does not change the fact that their charges are still unlawful. So go get um!

maxibonlover

Can anyone give me some advise?

I have recently had a pay out from HSBC for my bank charges over the last 6 years. Now my only winge is, and I'm well aware that if I stopped going over my over draft I wouldn't be getting charged but having a new baby, pants maternity pay and a self employed partner its hard not to at the moment. Anyway they are still charging me huge charges and I don't even get a letter or phone call telling me I'm getting close to my overdraft. I wouldn't mind too much if it was £20-£30 but I'm getting charged £150!!

My question being should I make another claim?

Any feedback is gratefully received.

Thanks
maxibonlover

Stephen_Leak

It looks like you are going to have to. However, were there any countervailing conditions to the settlement of your previous claim?

bomcullen

Hi, we have already claimed back charges from the Halifax but have had a bad couple of months and have ended up with some more charges!! Are we able to re claim and has anyone else ever tried this ???? Thank you.

beckied

I wonder if anyone can help me? I am currantly waiting to hear from lloyds about my claim with them but since i have incurred more charges in my account. Can i claim these charges back? Even though i already have a claim ongoing with them. Will i need to do a differant claim with them if i win this one? Does anyone know if you win do you have to SIGN the agreement of terms and conditions before they give you your money.
Thanks in advance.
Beckie