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

bigrob2

I have just received an email from Halifax stating that due to 2 payments going out of my account I am being charged 2 x £30. On the same day I had £90 deducted from my account for previous charges. Initially I wasnt going to argue over the charges however it is these charges that are now costing me a further £60.

I just wondered if this situation has happened to anyone else and what the result was if you tried to claim.

fidgetgreen

i have previously claimed back charges from abbey and it took a while to receive them. I have been charged again this month with a total of £92 comin out of my account. is it worth writing in again to get the money back.?

GadgetsDS

just claim it back like you did last time m8, dont let them take your money

ernie-money

Hi, I have read some of the thread and understand that if you have signed an agreement that you wouldn't claim again, then you haven't got a leg to stand on. Apparently I signed one of those (stupidly didn't read it properly, as the covering letter just told me to sign it in order to release the payment) after claiming a minute amount, something like £60, which is all I had been charged in the previous 6 years. now I have just accidentally gone overdrawn again, just for one day, as our phoneline went down after the storms over the weekend and I couldn't get on the internet, or phonebank to transfer money, and as a result I have been charged £35 for going over the arranged overdraft and £28 for a direct debit that the bank paid even if we were overdrawn. I transferred the money into the account on the next working day and contacted the bank to ask if they would waiver at least one of the charges, as this evidently was a one off, but they said that as I had signed the disclaimer, I now have to just grin and bear it, no matter what charges are levied on the account.
I just do not understand - I thought the reason the charges were refunded in the first place was becasue the bank admitted that they were excessive and do not relate to the charges incurred by the bank by us going overdrawn. If so, how can they now just carry on charging the same charges and we have no come back? I realise that I've shot myself in the foot by signing the agreement, but will this ever change? If the test case is settled, will this have any effect on the amounts they are allowed to charge, or am I just trapped now unless we change banks? I most certainly do not plan to go overdrawn on a regular basis, but things do happen, and on rare occasions I might, and to be charged £63 for being overdrawn one day seems way over the top to me!
Grateful for any advice!

nickmack

ernie-money wrote: »

I just do not understand - I thought the reason the charges were refunded in the first place was becasue the bank admitted that they were excessive and do not relate to the charges incurred by the bank by us going overdrawn. If so, how can they now just carry on charging the same charges and we have no come back?

The charges will have been refunded as a gesture of good will. To my knowledge no bank in any case has admitted they were excessive.

I realise that I've shot myself in the foot by signing the agreement, but will this ever change? If the test case is settled, will this have any effect on the amounts they are allowed to charge, or am I just trapped now unless we change banks? I most certainly do not plan to go overdrawn on a regular basis, but things do happen, and on rare occasions I might, and to be charged £63 for being overdrawn one day seems way over the top to me!

You need to check the exact wording of what you signed. You may be able to make a further claim, but it will depend on what you agreed to.

avalon23

Hi,
My wife and I have 5 accounts with Halifax / Bank of Scotland . She has a business account with them, and 9k in an ISA (like to think we're good customers!)

Last month, we got charged £35 for every 9 transactions while we were over our £400 overdraft limit (we didn't realise we were overdrawn, checks took time to clear)

After haggling with the bank manager, I managed to get 7 of these back but still had to pay £70, so I was still very annoyed.

Now yesterday, I got a letter saying I had gone over my limit on my personal account (again a delayed cheque) and I would have to pay £30 for the1 transaction while I was overdrawn and £28 for being overdrawn in the first place. This seems unfair! That £60 was for my wife's christmas present! The charges will take me over my limit again.

One thing's for sure, I will do my utmost to stay away from limits in the future. I am doing a one year uni course and money is obviously v tight - these charges are so draining and seem incredibly unfair.What I was wondering is, do I have a chance of recovering the £120 I have been charged overall, or does the fact that I already claimed back £245 mean that I won't be able to claim the rest?

Any advice woyld be very welcome!

Cheers!

Olly

bob838

Greetings one and all, and Happy New Year,

I am after some advice, having already claimed back some charges from my bank in May 07, I find they still insist on charging me, £225, for Novemeber and December alone, my question is this can I make a further claim, or is it just a one off,

Cheers Bob838

Smasher

Well, here's a little tongue in cheek explanation..
http://forums.moneysavingexpert.com/showthread.html?p=7357841#post7357841

**Amy**

I claimed the charges from my bank over 16 months ago, and I want to relcaim again (nearly £700 worth of charges again grrrr).

Anyway, any HSBC customers done it twice? Did anyone sign something when you got the refund the first time? I have a horrid feeling i did and it said i couldnt claim again???

Thanks

x

Imran

I successfully managed to relciam charges from my bank HSBC for the past 6 years. Was about £1200. This was in august time. Since then been keeping a tight reign on spending and overdraft limit, but still gone over the limit on a few occasions. The bank has charged me a whopping £75 in one month alone since August. My question is, can I reclaim the 'new' charges back even though I have reclaimed some charges back already.