Reclaim Unfair Bank Charges article discussion Part II

kirstylaine

natweststaffmember wrote: »

How much is the total amount of the charges you are claiming?

My husband claimed for the amount already paid which is the £370 they are offering but he asked for the overdrawn amount to be wiped clean as like i say they are bank charges but they just ignored his request.

natweststaffmember

kirstylaine wrote: »

My husband claimed for the amount already paid which is the £370 they are offering but he asked for the overdrawn amount to be wiped clean as like i say they are bank charges but they just ignored his request.

If he has claimed £370.00 and they have offered £370.00 then I don't understand why the bank should zero his account?
You sure he has claimed everything?

kirstylaine

natweststaffmember wrote: »

If he has claimed £370.00 and they have offered £370.00 then I don't understand why the bank should zero his account?
You sure he has claimed everything?

Yes as far as i am aware he has. The £370 are charges already paid where as the £430 are charges he hasnt paid.

I dont know alot in regards to bank charges, I thought that any bank charges paid are reclaimable. So to me i would think that once the £430 is paid then he would be able to reclaim them?

natweststaffmember

kirstylaine wrote: »

Yes as far as i am aware he has. The £370 are charges already paid where as the £430 are charges he hasnt paid.

I dont know alot in regards to bank charges, I thought that any bank charges paid are reclaimable. So to me i would think that once the £430 is paid then he would be able to reclaim them?

Bank charges are for unpaid items, referral fees, default fees, they are for overlimit fees(you can claim interest on them which is explained by Martin's guide).

kirstylaine

natweststaffmember wrote: »

Bank charges are for unpaid items, referral fees, default fees, they are for overlimit fees(you can claim interest on them which is explained by Martin's guide).

Sorry if im been a pain but just to check, overlimit fees cant be reclaimed?

natweststaffmember

kirstylaine wrote: »

Sorry if im been a pain but just to check, overlimit fees cant be reclaimed?

they CAN be reclaimed, ie excceeding the overdraft.

kirstylaine

natweststaffmember wrote: »

they CAN be reclaimed, ie excceeding the overdraft.

Okay then, Thank you. He shall reclaim the amount later then.

Can anyone see where i am coming from when i say i am a little confused and annoyed at how this is going to work.

As, if my husband paid the £450 overdrawn amount off without the £370 they are reclaiming then he would be entitled to £720 but instead they are reclaiming £370, paying it back in to the overdrawn amount (£450) and then if he reclaims hes going to receive the £430(hopefully) he will be losing out. Hes just giving them his money in a sense.

Can you see what i mean?

wayne.g

hi my girlfriend has recently been charged again by abbey for being overdrawn they have done this many times in the last 7 years totaling to around £1100 we both use her account for income and outgoings and have now opened a new account with barclays were both on benifits now and have a new baby on the way do you think we might be eligble for a hardship claim and if so is there a guide on the site like there is with the normal reclaim guides or can anyone help us get started.


kindest regards

Wayne

natweststaffmember

wayne.g wrote: »

hi my girlfriend has recently been charged again by abbey for being overdrawn they have done this many times in the last 7 years totaling to around £1100 we both use her account for income and outgoings and have now opened a new account with barclays were both on benifits now and have a new baby on the way do you think we might be eligble for a hardship claim and if so is there a guide on the site like there is with the normal reclaim guides or can anyone help us get started.


kindest regards

Wayne

http://www.moneysavingexpert.com/reclaim/bank-charges-hardship
The above is the guide.

Orford

kirstylaine wrote: »

if my husband paid the £450 overdrawn amount off without the £370 they are reclaiming then he would be entitled to £720 but instead they are reclaiming £370, paying it back in to the overdrawn amount (£450) and then if he reclaims hes going to receive the £430(hopefully) he will be losing out. Hes just giving them his money in a sense.

OK,sorry I misunderstood. Can we just start again:

1. Have you made a list of all the charges you've incurred since July 2001?

2. How much is that total?

3. When you wrote to the bank, how much did you claim for?