Reclaim Unfair Bank Charges article discussion Part II

gbhxu

A thought should banks win the test case.

Should they be allowed to charge unauthorized overdraft charges when there's no way to bring your bank account into credit?

e.g. If you go overdrawn on a Friday.

There's no way to deposit money to clear the unauthorized overdraft until Monday because the bank is not open (some branched do open on a Saturday, but mine doesn't) or there are no facilities to make a deposit via a cash machine.

fedupwiththeworry

A thought should banks win the test case.

Should they be allowed to charge unauthorized overdraft charges when there's no way to bring your bank account into credit?

e.g. If you go overdrawn on a Friday.

There's no way to deposit money to clear the unauthorized overdraft until Monday because the bank is not open (some branched do open on a Saturday, but mine doesn't) or there are no facilities to make a deposit via a cash machine.

With some banks it doesn't matter even if they ARE open on a Sat.

Example: On Fri it shows account will go overdrawn on Monday due to DD or SO so Sat pay cash in (didn't have the cash on the Friday).

On the online banking it shows cash rec'd into account and enough credit for the DD or SO.

Monday the cash is not shown as not being paid in until Mon......wait for it.....AFTER the DD or SO has needed to be paid, so it is bounced and a £35.00 charge ensues, which of course they pay to themselves even though it would take you overdrawn (if you hadn't paid the cash in).

If you phone to query the reply is that "Sat is not a banking day for us"

Go figure.....

Edinburghlass_2

ausencia63 wrote: »

Hi

I am new to the money saver site, I would like to start claiming back my bank charges from 4 years ago. My account was originally with the Woolwich, which has now been taken over by Barclays.

Can I still make a claim....Sorry if this question may have been asked before, but I did do a small search on the site beforehand.

Any assistance would be great.

Thanks

Yes you can, send off the letter to Barclays but if you had a different account number with the Woolwich then make sure you quote that number too.

Edinburghlass_2

rakingston wrote: »

Hi I wondered if anyone could help - I want to claim back bank charges and credit card charges - both of which are with nationwide. When requesting my last 6 years of charges can I do both at the same time as they are both with nationwide (and only pay one £10) . I realise that bank charges reclaim is on hold but can i still get these charges now so I can start the process and ensure that the last 6 years are taken into account. Thanks in advance for any advice. Richard

The SAR request, the first letter asking for your information/statements, should cover all accounts held by you at the Nationwide so put in the details of both your credit card and current account and enclose one £10 cheque. And yes get your claim started now.

leereni

Please can anyone give me some advice please.

I requested information from halifax bank last year 24 april. I stated they had 40 days to reply, based on data protection law, but they sent me the reply 29 june 2007, over two months later. After which the test case was announced and a block put on any claims going in front of the court. I would like to know what the situation is now? Do you think a court will look into this based on the fact the bank took longer than the 40 days they were supposed to.

BigBadMerlin

Agnes wrote: »

I have to say I am gobsmacked Congratulations on your success! but I am so confused, how strange this is, since we have all been told they are not paying out any claims til after the OFT case. I have followed the whole procedure, all the letters you mention, plus 200 x 3, pages of evidence in my court bundle and an hour in court, still my claim is stayed.

Hi Agnes, I just wrote to the bulk claims court at Northampton after I received a letter saying the case was stayed, requesting my claim was herd due to financial hardship (partly caused by the banks excessive charges anyway) The case was then transfered to my local court and whilst waiting for the case to be herd I got an offer of £4800, as acording to the bank my figures were wrong, I wrote back saying my figures were worked out from a printout supplied to me by the bank, but to settle the case quickly I would accept £5000 + £100 court costs, the reply to that shocked me, OK we will pay your claim in full, every last penny which amounted to £5434 and a few pence, so long as I signed a letter of secrecy and wrote to the court droping my claim, that was last Wednesday and I was again shocked to find the money was in my account last Friday. YAHOO! So if you are claiming and don't want to wait for the outcome of "The Court Case" write to the court and get you case transfered to you local court on grounds of financial hardship as I did. Whatever you decide stick with it and don't give up. BigBadMerlin

a11waysindebt

Concratulations....:T :T

Lee_Winstanley

I always destroy my statements so how can i work out how many charges ive had over last 6 years please???????

will it cost me to get copies from my bank

do they keep records this long?

nickmack

Lee_Winstanley wrote: »

I always destroy my statements so how can i work out how many charges ive had over last 6 years please???????

Please see Martin's article for this information, links in my signature.

holiieboly

hi there i over drawn on my bank card halifax charging me 28 pond each tranaction on my debit card , i over drawn 180 pound and thy now charing me nealy 800 pond back , thy froozed my current card account till i paid the money what i was told 545 , i paid it n then my card still froozen had 2 open me another bank account els where , halifax still saying i owe 300 , no way the adding just dont seem right , and im wondering if u could help me xxx