Reclaim Unfair Bank Charges article discussion Part II

holiieboly

holiieboly wrote: »

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

holiieboly

can you help me with my bank charges please

smily_leah

please can someone tell me what would happen if i claimed on my old hsbc joint account which is now close down as my husband an i have split up. If i won what would happen to the money would it be paid in to my account with just my name on it.

dewin

What is ment by "Total charges" in what you can claim back,


"Total charges (HSBC personal accounts only, not business accounts)"

Does it mean you cannot claim back all the charges on a business accout ?

Edinburghlass_2

You need to check with HSBC what they term as total charges but as regards a business account you can't reclaim the charges for having a business account such as for paying in cheques/cash, receiving change, annual overdraft review.

Edinburghlass_2

smily_leah wrote: »

please can someone tell me what would happen if i claimed on my old hsbc joint account which is now close down as my husband an i have split up. If i won what would happen to the money would it be paid in to my account with just my name on it.

You need to be careful with this as there has been a case of a user who started and completed the claim and all the monies ended up in the ex's account and they weren't prepared to hand over half!

Make sure your current address is on all correspondence and make it clear from the start which account you would like any monies reclaimed put into. Have a read of this thread...

http://forums.moneysavingexpert.com/showthread.html?t=310783

LucyToons

Hi,
I would suggest requesting all your bank statements for the last 6 years, phone them and ask them how much it would cost to receive statements for your account for the 6 years (or since accoutn was open if less than this) then write to them (including a cheque for the amount they've stated) asking them to send you a copy of you statements, when you get this go through and make a list of any charges that have ben taken including the type of charge (late payment fee, unauthorised overdraft charge) date and amount and if the charge has been paid back note this next to appropriate charge with the date it was paid.

Then total up how much it is and minus the charges already paid back. Then put in a claim to financial ombudsman for that amount using the form that Martin did which can be found here
http://www.moneysavingexpert.com/reclaim/bank-charges.

Phone them and tell them that you would like them to explain why they are asking for £800 in the first place and why you still owe £300 when you have paid £545 of the £800.

Hope this is of some help, other people may also be able to help more.

holiieboly wrote: »

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

Edinburghlass_2

If you ask for all statements the bank will more than likely you charge you per statement, you must put in a SAR request using the first letter in Martin's article here and send them a cheque for £10 under the DPA rules.

http://www.moneysavingexpert.com/reclaim/bank-charges#step2

or for a credit card claim this article

http://www.moneysavingexpert.com/reclaim/credit-card-charges#step1

carl01_2

Hi all, need some advice on if i can claim bank and credit card charges after i had to declaire bankrupt feb 07. I was dis charged in aug 07. How do i stand with this? many thanks

SUFC

Hi, does anyone know whats happening with the test case in court. It all seems to have gone quiet, no updates or anything. Thanks.