Reclaim Unfair Bank Charges article discussion Part II

The_Salesman

I've just taken a close look at my bank account from Feb '03, when I was a NatWest employee. In the intervening period, I have received charges of £9,629.35!

A record? Probably not!

What do people think my chances of recovering any/all of these charges?

Good Luck to all !

The Salesman

CRAZY:HORSE_2

I have allready claimed my bank charges back but over the last 2 years i have been charged more, can i make a second claim?

CRAZY:HORSE_2

Also i want to claim back charges from MBNA for my credit card i had from them but they have since sold the debt to someone else because i missed 1 months payment, who do i claim off ?

cinders13

i am currently four years into paying an iva and have another two years to go because of house equity, my question is, am i still able to claim from the bank in question for bank charges and also to the cc companies for the ppi becase of the iva?? i will be totally debt free in two year time, it has been a hard struggle because of handing out so much money every month for six years, but to know i owe nothing will be well worth it and never will i have an more credit....ever!!

thanking you in anticipation of yor reply.:beer:

sadie680

I reclaimed my bank charges in 2007, didn't get it all back, but i was happy with the outcome.
Since then, they have stripped me of my visa card and given me a solo debit card instead. Im not really bothered about that, but since i reclaimed my charges, they charge me for the smallest amount, the smallest amount i went overdrawn was 23p, i was charged £28 for that, which took me to -£28.23, now beacuse i was overdrawn by that much, i was charged another £35 at the end of the month.
what really gets my goat was, that when the £35.00 was charged to my account, i was then left with -£4.00, which i then incurred another £28.00 charges.
It seems to be ongoing, and i can't win.

Since i made my claim, i have become a single parent and disabled due to a degenerative disease, they know im on benefits, as ive phoned them a few times in tears as my benefit money has been swallowed up by charges, they really don't give a dam.
I know i can't claim my charges back again, as i had to sign a disclaimer when i claimed the last lot, im just at my wits end on what to do for the best, i really try hard, but its getting beyond a joke now, for silly little amounts

ksurfbenny

hi there i have my letter ready to send to the bank ive just becom unemployed will they still deal with it sooner?

does nebody know which address of lloydstsb i need to send it to!?

also i have an overdraft that i never asked for they kept raising it so they cu keep charging me do the bank have to refund my overdraft aswell !!! my total claim of charges? thanks

Hopeful1

CRAZY:HORSE wrote: »

Also i want to claim back charges from MBNA for my credit card i had from them but they have since sold the debt to someone else because i missed 1 months payment, who do i claim off ?

Send a S.A.R to MBNA. You need to write to the debt collector to say the account is in dispute as you do not agree with the outstanding balance. It may be worth sending a credit agreement request to the debt collector, 'casue without that they are not entitled to chase you for money anyway.

Hopeful1

sadie680 wrote: »

I reclaimed my bank charges in 2007, didn't get it all back, but i was happy with the outcome.
Since then, they have stripped me of my visa card and given me a solo debit card instead. Im not really bothered about that, but since i reclaimed my charges, they charge me for the smallest amount, the smallest amount i went overdrawn was 23p, i was charged £28 for that, which took me to -£28.23, now beacuse i was overdrawn by that much, i was charged another £35 at the end of the month.
what really gets my goat was, that when the £35.00 was charged to my account, i was then left with -£4.00, which i then incurred another £28.00 charges.
It seems to be ongoing, and i can't win.

Since i made my claim, i have become a single parent and disabled due to a degenerative disease, they know im on benefits, as ive phoned them a few times in tears as my benefit money has been swallowed up by charges, they really don't give a dam.
I know i can't claim my charges back again, as i had to sign a disclaimer when i claimed the last lot, im just at my wits end on what to do for the best, i really try hard, but its getting beyond a joke now, for silly little amounts

You need to write to them and appeal to their better nature. I would be clear it is a formal complaint. If they do not respond empathetically i would make a complaint to FOS. I would seriously consider opening an alternative account to have your benefits paid into.

Hopeful1

cinders13 wrote: »

i am currently four years into paying an iva and have another two years to go because of house equity, my question is, am i still able to claim from the bank in question for bank charges and also to the cc companies for the ppi becase of the iva?? i will be totally debt free in two year time, it has been a hard struggle because of handing out so much money every month for six years, but to know i owe nothing will be well worth it and never will i have an more credit....ever!!

thanking you in anticipation of yor reply.:beer:

Have a look here, there's links to organisations who could advise you on that matter

Hopeful1

ksurfbenny wrote: »

hi there i have my letter ready to send to the bank ive just becom unemployed will they still deal with it sooner?

does nebody know which address of lloydstsb i need to send it to!?

also i have an overdraft that i never asked for they kept raising it so they cu keep charging me do the bank have to refund my overdraft aswell !!! my total claim of charges? thanks

Have a look at this post here for info regarding hardship claims.