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Can I reclaim any of these charges????
sitcom321
Posts: 386 Forumite
I bank with Lloyds and although I am now getting in a position where I am getting my debt under control, I have been charged over £425 this year by Lloyds, if I wrote to them what are the chances of getting any of these fees back or would I be wasting my time. is there any kind of template I could use
charges as per below UNPLANNED O/D FEES
CHG
80.00
UNPLANNED O/D FEES
CHG
65.00
UNPLANNED O/D FEES
CHG
70.00
UNPLANNED O/D FEES
CHG
30.00
UNPLANNED O/D FEES
CHG
50.00
UNPLANNED O/D FEES
CHG
15.00
01 May 12
UNPLANNED O/D FEES
CHG
55.00
01 Feb 12
UNPLANNED O/D FEES
CHG
30.00
UNPLANNED O/D FEES
CHG
30.00
charges as per below UNPLANNED O/D FEES
CHG
80.00
01 Oct 12
CHG
65.00
03 Sep 12
CHG
70.00
01 Aug 12
CHG
30.00
02 Jul 12
CHG
50.00
01 Jun 12
CHG
15.00
UNPLANNED O/D FEES
CHG
55.00
UNPLANNED O/D FEES
CHG
30.00
03 Jan 12
CHG
30.00
0
Comments
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You can ask them and they can say yes or no. You have no right to get the money back. You are reliant on their goodwill. So to answer your question, no you cannot reclaim them. However, you can ask them to look at your charges with a view to reducing them.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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Thanks Dunstonh that is actually what I meant to say, can I ask for them and do the banks have any goodwill? Is there any kind of template that I could use?0
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Dont use a template letter. You want the complaints handler at the bank to look at your case sympathetically. Using a template letter that they have seen hundreds of times before will just irritate the complaints handler. Especially if it is template known to be used by dodgy complaints. Even the FOS say they prefer to read complaints in your own words and not on a template.
You dont need to write much. Just give your case in a few sentences. Don't mention the charges being unfair or unjustified (auto rejection if you do). Just tell them that you have struggled but are getting over it but are finding it hard to get on top of things with the amount of charges that have been levied and ask them if they could refund some of them.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Excellent advice from dunstonh.make the most of it, we are only here for the weekend.
and we will never, ever return.0 -
Have you read the MSE guide to reclaiming bank charges?
http://www.moneysavingexpert.com/reclaim/bank-charges0
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