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

Graham_Devon

tifo wrote: »

NO! He is definately wrong!

you only accepted full and final settlement of the claim you were making at the time and only for the period in your schedule.

there is no way they can make you give up future rights.

any charges other than that can still be claimed back, though now with the OFT test case you have to wait.

He signed a full and FINAL settlement stating he would not reclaim again. Therefore, he has an obligation not to claim again. Simple.

nickmack

terrymc wrote: »

he said the conditions of the successful claim was that all future charges stand and cannot be re-claimed. Is this true?

What did the letter you signed say?

lindilou39

tifo wrote: »

NO! He is definately wrong!

you only accepted full and final settlement of the claim you were making at the time and only for the period in your schedule.

there is no way they can make you give up future rights.

any charges other than that can still be claimed back, though now with the OFT test case you have to wait.

NO he is right....if you wrote back acceptin the amount as full and final settlement then that is that...it is only claims now that are being settled that the banks cannot offer it as full and final......!

Sugarplumfairy_2

MSE_Martin wrote: »

As i say in the article' the best way to avoid bank charges is not to have them in the first place.

Every day I get scores of emails from people telling me that reclaiming charges has given them a fresh lease of life, and they'll never be charged again. Like all things, some people don't learn their lesson.

In others, people's finances are already so messed up catching back is impossible and they need to seek help.

As for providing the info on how to do it properly. That's what every article on the site, barring the reclaiming articles, are all about. The vast majority of the editorial on this site is about how to manage your money properly. It's all covered. Yet we're about providing the information; hoping to empower them; not about dictating how people behave or what they do.

Martin

OOPS

Get the impression I was being told off by Martin :eek:

Will hang my head in shame

hunnybugs1

We received almost £2000 last year in reclaimed bank charges. Then, due to unforseen circumstances, we have since been charged about the same again since then. What I want to know is, can we claim for the most recent charges, even though the bank has stated that they only refunded the first lot as a "goodwill" gesture and would not consider doing it again?
Thanks in anticipation

samfrench32

You should be grateful you got you pay out many of us myself included are totally powerless to get ours.
Sam

Jonni2bad

Or, to actually answer your question, YES - you can reclaim any charges since the the last one that was claimed - even if you settled on the basis of it being a one-time only offer, or even if you had signed to say that you would not claim again since you cannot 'waive' your right in such a manner (it is not more than a scare tactic, or ploy, from the bank to make you think that is the end of the matter).

hunnybugs1

Jonni2bad wrote: »

Or, to actually answer your question, YES - you can reclaim any charges since the the last one that was claimed - even if you settled on the basis of it being a one-time only offer, or even if you had signed to say that you would not claim again since you cannot 'waive' your right in such a manner (it is not more than a scare tactic, or ploy, from the bank to make you think that is the end of the matter).

Aww, cheers for that! Much appreciated, thank you!
:beer: :T

ellersb

Hi,
i won against HSBC last year some time (I think!) - since this OFT case started and they've been allowed to stop proceedings on new claims, they've started charging me again. Not masses i.e. £25 for each transaction over my O/D , but this totals £100 now and it doesn't help when you're trying to get your finances back on track!
Can I start a new claim for these charges? I know it'll be ignored for now and everything, but is there anything saying I can't claim a second time?
Thanks,
Ellie

zena2105

I think it depends on how you won last time, if you signed a settlement agreement, it would have usually included a clause saying you had to accept future charges......otherwise I would put in a claim for any more charges, and hopefully the OFT will win and you will get them back....