Reclaim Unfair Bank Charges article discussion Part II

livelyred

Hi can any one tell me the latest with the high court ? I have been trying to get my bank charges back since dec 2006 and still nothing like everyone its on hold,does any one know the latest ? Or can i have the link please.

grouperbobby_2

I received nearly 2 weeks ago now a letter from the Halifax saying that they are going to repay £5017 but it will take 14 working days. Does anyone know if this can be speeded up? I don't see why they need 14 working days to credit my account!! I need the money now but with Christmas and New Year I've been told it could be mid January.

crazynoor

Hi everyone - hope you all had a lovely warm christmas.

I would really like some advice - like most in the country, the last month has been financially very difficult for me. I am a full time student and my sister got married on christmas day, so it put a massive strain on the £'s. I have just had a look at my bank details online yesterday and found out that Halifax have charged me 8 times for going over an overdraft!! (one for paying a £3 parking fee!!)

So i called them and after speaking to them for about an hour, they agreed to waiver 6 of the right charges. But to be totally honest, i can't afford to pay even the 2. i dipped into my small savings account and put all the money in to get me back into the overdraft.

This morning i have checked my e-mail to find out they have charged me another 2 times! so thats 10 times in the last week!!!!!!!

I want to close me account with halifax - as this is totally ridiculous. I've been banking with them for 14 years and feel that this behaviour is totally unaceptable.

So my rant is over, my question is... if i pay off my overdraft so i am on 0, can i close my account? i know they will chase me for the fees (as they have not been taken out of my account yet), but can i not just write to them explaining that they can go jump?

Or should i let them take the money (from money i don't have) and chase them to get the money back?

Any advice would be greatly appreciated. Thanks xx

catmiaow

grouperbobby wrote: »

I received nearly 2 weeks ago now a letter from the Halifax saying that they are going to repay £5017 but it will take 14 working days. Does anyone know if this can be speeded up? I don't see why they need 14 working days to credit my account!! I need the money now but with Christmas and New Year I've been told it could be mid January.

Least your getting it, I started my claim in Aug heard nothing. FSA no help. So be grateful your getting it soon. I am fed up, a lot of people on here getting their money. Good for them, but why have I heard nothing :mad:

Becki-Boo_2

Becki-Boo wrote: »

Barclays
Amount claimed £1500
Amount paid £300!!!!(under duress)

Wrote to barclays under hardship rules mid October 2008 (genuine real hardship). Sent proof of mortgage payments arrears, court letters from three utilities and council tax. Explained I have lost my part-time job (one of my three jobs;one full time, one part-time, one seasonal) due to cut backs. I am also the only provider for two children. They offered to pay half of my charges over the past year (£195), after calling and pleading my case for 20 minutes or so, this was increased to £300 of which I am still waiting to receive.

The person I spoke to was unsypathetic, abrubt and actually...quite rude. Unlike customer relations at Natwest, who were fantastic, reasonable and understanding.

Forgot to mention, since August Barclays introduced a new penalty by offering a 'reserve' and charging £22 every 7 days for using the facility. I have been charged over £400 since they introduced this 'service'. Although they did write to inform customers before they introduced it in August, I did not see the tick box at the bottom of the letter to opt out of this 'service'. I have now cancelled the 'reserve' by going into my bank. Not as 'clear and transparent' as they claim!!

moonflower_2

Natwest claim forms
I have just completed a claim for for natwest,I am on benefits and unable to work due to disability.

I have arrears of approx 2,000(mortgage) and some fuel bills.

Do you know what consitutes as hardship? The customer service person was very helpful and also suggested that I mention that if I were successful to ask them to consider my 2 other claims.
Please help,with defination of hardship.Thanks

[EMAIL="abuse@moneysavingexpert.com?subject=Reporting post http://forums.moneysavingexpert.com/showpost.html?p=17156469"][/EMAIL]

d2vuk

catmiaow wrote: »

Least your getting it, I started my claim in Aug heard nothing. FSA no help. So be grateful your getting it soon. I am fed up, a lot of people on here getting their money. Good for them, but why have I heard nothing :mad:

TO SPEED THINGS UP WITH THE HALIFAX IF YOU HAVE ANY LETTERS PROVING YOUR FINANCIAL HARDSHIP E.G DEFAULT NOTICES,BALIFFS OR ANYTHING LIKE THAT IF YOU HAVE ACCESS TO A FAX MACHINE FAX IT TO CUSTOMER RELATIONS OR TAKE IT TO YOUR LOCAL BRANCH AND TELL THEM TO FAX IT THROUGH PLEASE WRITE YOUR REF.. NO ON THE LETTERS TO BE FAXED AND ALSO MARK AS URGENT..THIS INFO CAME FROM A CUSTOMER RELATIONS MANAGER AFTER I WAS MESSED AROUND FOR AGES...............

catmiaow

d2vuk wrote: »

TO SPEED THINGS UP WITH THE HALIFAX IF YOU HAVE ANY LETTERS PROVING YOUR FINANCIAL HARDSHIP E.G DEFAULT NOTICES,BALIFFS OR ANYTHING LIKE THAT IF YOU HAVE ACCESS TO A FAX MACHINE FAX IT TO CUSTOMER RELATIONS OR TAKE IT TO YOUR LOCAL BRANCH AND TELL THEM TO FAX IT THROUGH PLEASE WRITE YOUR REF.. NO ON THE LETTERS TO BE FAXED AND ALSO MARK AS URGENT..THIS INFO CAME FROM A CUSTOMER RELATIONS MANAGER AFTER I WAS MESSED AROUND FOR AGES...............

Thanks, but already done that and posted special delivery as they said they didnt receive the faxes. They make me sick :mad:

catmiaow

missemsy wrote: »

I have managaed a sucessful claim under the finanical hardship claim allowance. I have only tried 1 of my 3 bank accounts, but the 1 i tried the bank had previously dismissed my claim when the reclaiming first came about.

Bank: Halifax plc
Claim: £627.00
Received £637.00

They did take their time responding to me, in 1 phone call 2 months after they received my completed form i was on the phone to them for 27 mins mainly on hold and was told somebody would ring me back - they never did but a month later i did get a letter with the offer which i accepted as it was the total charges + calculated interest and an extra £10.00.

Im still to do battle with HSBC and Natwest, but this result has given me a positive attitude.

Ive claimed under financial hardship, whilst i have debts, I work about 24/32 hours a week at a rate above minimum wage p.h. I do not have my own home, i live with my parents. I do not always live on the bread line. What im saying is: try it see if you can claim under financial hardship you may be suprised

I am confused why you are in hardship? Surely people with a home and debts, should take more priorary in this case?!:mad:

polaroid

i am not trying to be patronising but have you been ringing them to chase it up? if you have applied through financial hardship then surely they should have replied by now. i sent my letters to customer services and to the complaints department address that was given on here. i then phoned to make sure they had received and then rang weekly.
i am sorry you havnt heard anything, keep with it, good luck x