Reclaim Unfair Bank Charges article discussion Part II

amartin123

please can you help me i am going to claim bank charges back on my current account ive done out my template letter but i also want to claim back my visa overcharges too can i do this on the same letter or a separate one? hope you can help

kitty187uk

can anyone help,
i recieved a letter from halifax this morning acknowledging i am in financial difficulty but no offer of refund just that it will have their money management team be in contact with me soon! is this standard or should i take this further! thanks

Stu_LTT

I can't help but notice that there seem to be very few success stories with Lloyds TSB... are Lloyds notoriously difficult? I am trying to claim back around £200 of bank charges, but all I get is the same letter over and over telling me I have to wait until the court case concludes before I can claim. That could be years it seems, and as a student about to go out into the world with massive debt I could really do with it back!

I can't really take it to court as I don't have the money, is there a way to get around this?

Thanks

Stu

Nick_Cooper_3

Does anyone know what happened in the courts about overdraft fees? Is it still worth pursuing?
Last summer I asked HSBC for my last 6 years of statements but they refused. Should I try again?

Dornoch_Guy

Hi
In Martins latest news letter it says;

"Some are STILL being paid out. The hold DOESN’T apply to those in financial hardship; anything from struggling to pay your bills to having £500+ of charges in the last year "

I have paid more than £500 in the last year, can someone please point me to the info on claiming now because of this?
I have been turned down on the hardship front, so would like to try again if this is another opportunity!

Thanks to Martin and everyone else that makes this such a great place!!

mumof5boys

hi can anyone give me some advice, claimed 6400 from abbey, today paid me 2400, but not given me opportunity to accept or not - so should i go back to them saying want more, as need more to cover debts?

Neptune76

Hi Everyone,

Just wondering if anyone knows the telephone number or email for the department of Lloyds that deals with the charges claim? I have sent final letters of to the and want to chase them up with a call.


Thanks

minxy77

hi i am with the halifax and have sent letters since june 2007 the first reply was that i was not entitled to anything the second letter they reckon they received was june 2008 saying the claim had been closed sent about another 4 since then including one with court action but nothing i eventually rang them 2 weeks ago saying i was going through the financail hardship criteria and apparantely has been put in the wrong queue am waiting till thursday they said to ring back and find out what is happening but do u think i have done enough please can someone help me thanks

hazel09

I have been offered more than one account from the RBS when I was with them. These accounts include

1. overdraft interest charges
2. maintenance charges
3. referral fee/charges

I have been with the RBS since 1993. The bank initially offered me a basic account. This was later upgraded by a member of staff when she called me at home. I was made an appointment to see her in the branch. As I went to see her at the branch, she told me that I always have maintained my account and I always have kept my account in credit. She said she can offer me a cheque guarantee current account with a £100 debit card facility. The interest paying account had changed my finance completely. Every month I was paying RBS service charge for that! I have the bank monthly statement to prove it which date back to 1997.
The RBS then offered me Royalties Gold account in 1998 which did not make much difference than the "interest paying account". I was still occurring the "service" charges every month on this account. The bank put me back onto the "interest paying account” on or around 2002 again. I did not understand these charges and am still baffled on this subject.
I also took a personal loan from RBS in jul-2002 which had occurred a compulsory charge of "insurance loan repayments" of £49.59 a month. I made two months repayments in months of jul02 and Aug02.

I paid it all back to RBS on OCT-2002 after taking a cheaper Loan from the EGG. In this process I had been subject to early-repayment penalty which means I lost two months of payments to RSB.

Later on, I had to apply for a little more loan from EGG again to re-consolidate the debt and this time my repayments were hitting the roof. I was making£290.00 every month to EGG. It did have the so-called insurance which was sold to me as "must" have to have it!!
Can anyone help me to understand these charges or anyone has had similar experience! I wish to know if I stand any chance of re-imbursement of these unlawful charges!!

Thank you

kitty187uk

minxy77 wrote: »

hi i am with the halifax and have sent letters since june 2007 the first reply was that i was not entitled to anything the second letter they reckon they received was june 2008 saying the claim had been closed sent about another 4 since then including one with court action but nothing i eventually rang them 2 weeks ago saying i was going through the financail hardship criteria and apparantely has been put in the wrong queue am waiting till thursday they said to ring back and find out what is happening but do u think i have done enough please can someone help me thanks

hi,this is exactly what happened to me , finally received a letter offering nothing just saying the money mnagement team would be in touch, i phoned them they agreed i was in financial hardship, but not with them so would not be paying out, they told me to take it to the financial ombudsman which io have! i would suggest you do the same!