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

Optikal

That's bloody disgraceful! I can't claim anything back until this court farce is settled, but the bank can still dip in and whip out £38 everytime i go a couple of quid overdrawn?! How in the hell is that helping the consumer?

denise070

I reclaimed my bank charges successfully last year and got £1500 return to my bank account.

I have now paid out at least £500 in bank charges again since last year, can i reclaim that back or not as i have already had successful claim.
Thanks
Den

contired

I am new to this chat forum, so hope I've posted this thread in the right way and in the right place.

Along with millions of others, I am tired of being conned, banks, energy companies, insurance, etc. etc. etc., hence chat name. Why do we put with it? Because we don't have a choice, not from from my search and research anyway. I've been looking for a new business bank account and energy company and checked out a variety of customers reviews in the process and there isn't a decent one to be found, not one,........

The business account I could find won't allow me an overdraft facility and will charge me every time I go overdrawn, even by 1p (and as I write I notice they haven't revealed the charge for this in their schedule of charges), and emails have gone unanswered. Surely some bright spark has the vision to compete and give consumers a fair deal, and retain customers.

.......so what can we do?

Names of decent energy suppliers would be greatly appreciated, but pehaps this is for another thread.

My bank was gracious enough to repay my bank charges before the OFT test case went to court, so I am one of the lucky ones, but I have gone overdrawn twice in the last year and they are still continuing to make these charges in the name of an 'arrangement fee' and I would like to claim these back. I've no doubt banks are still doing this to everyone else who has already been successful in reclaiming their charges thus far, so does anyone know if we make a second claim, and if so what the procedure is and if there is a letter template for this situation?

Any advice and guidance will be greaty appreciated.

Thanks.

Smasher

Ignore the above post.

If you are going to start a claim, you need to do it now, don't wait until the case is over.
This is why..http://forums.moneysavingexpert.com/showthread.html?t=721985

You do the claim just as you did before, there is no special procedure if it is a second claim.
I'm assuming by the "arrangement fee" description, it is HSBC that you are claiming from. There is a great POC available at the CAG site.
http://www.consumeractiongroup.co.uk/forum/show-post/post-1036008.html

You might have to register to see it, but its worth it.

contired

Smasher, many thanks for your reply and advice and links. I'll give it a go, and yes it's HSBC's First Direct bank, who very good apart from making these charges.

All the Best.

nataleigh112

Hey,
Can someone please help, i reclaimed bank charges January 2007 of nearly £500.
In the final letter back for the Halifax they said could i confirm that i have accepted this as a full and final payment of this complaint and all future charges will stand and they reserve the right to close my account.
Since then i have had a further £780 of bank charge from the Halifax. I want to reclaim this. I dont care if they close my account but can i reclaim these even if i have reclaimed once before??

Thanks
Nat

Orford

Yes, as you say the worst they can do is close the a/c so get a parachute a/c elsewhere

subcultureukNI

i successfully made a claim against the halifax for approx £800 about 12 months ago

this month they have charged me over £200, at £35 a time for transactions on my debit card totalling between 5 and 10 quid each :mad:

my question is... can i claim again once the test case is decided (if it is in thew consumers favour)??

also, am i likely to have my account closed for a second claim? is this legal, and would it affect my credit card that i also hold with them but have never had a problem with?

thanks in advance for any advice given

chambta

You didn't learn then!

To answer your question I think it's yes, providing they didn't get you to sign any waiver to future claims.

Smasher

It doesn't matter if he signed a waiver. Such an agreement would breach the same UTCCRs as the contract that permitted the charges.