Reclaim Bank Charges Unpaid

edited 30 November -1 at 1:00AM in Reclaim Bank & Credit Card Charges
4 replies 1.3K views
hobbsonhobbson Forumite
3 Posts
edited 30 November -1 at 1:00AM in Reclaim Bank & Credit Card Charges
Hi,

Wondered if anybody could help. 4 years ago before, when I was 18 I had a bank account with Halifax, which gave me a £100 overdraft. I one day went over this overdraft by about £3, which I then refused to pay the charge. I think it was about £30? maybe more. I then went to uni and didn't think much of it. Now I have checked my credit file and see I have an outstanding bank charge with Halifax of over £800. Below I have posted a copy of how my balance has increased.

These are just charges that have made the balance to increase. I now want to sort my credit rating out, now I have finished uni and would like a mortgage in about 8 years time, so need to sort it out asap, as I know these defaults will stay on my account.

I see people always claiming back bank charges but my question is can I claim back "unpaid" bank charges, just so they are wiped off my credit report? £800 will take me ages to repay. I do believe that these are unfair charges and wondered if anybody had any advice? I don't think I have access to my online account or have my debit cards, so I can barely remember my bank details. Just that I have a £800 bill to pay :(

Any advice guys?


Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec
2013 814 814 814 814 814
2012 814 814 814 814 814 814 814 814 814 814 814 814
2011 813 813 813 813 813 813 813 813 814 814 814 814
2010 603 758 828 813 813 813 813 813 813 813 813 813
2009 0 97 50 0 82 111 143

Replies

  • dunstonhdunstonh Forumite
    106.7K Posts
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    ✭✭✭✭✭✭
    I see people always claiming back bank charges

    Not since the banks won the court case. You are many years out of date there.
    my question is can I claim back "unpaid" bank charges

    No. You can ask the bank to make a goodwill gesture to lower them. However, by doing that, you would effectively be reactivating the debt and that may cost you more than letting it drop off naturally if they havent made any attempt to collect it from you.
    I do believe that these are unfair charges and wondered if anybody had any advice?

    The banks won the court case. If you make a complaint on that basis then it is an automatic rejection.
    Just that I have a £800 bill to pay

    And when was that bill sent?
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • WywthWywth Forumite
    5.1K Posts
    ✭✭✭✭
    dunstonh wrote: »
    ...

    And when was that bill sent?

    Banks don't usually send a bill as such (unless perhaps the account is suspended,etc)

    What is more normal is to be advised of charges as they occur or perhaps on a monthly basis and then they get added to the account balance.

    I think what the OP means is they are now in the red to the sum of £800.
  • edited 23 July 2013 at 11:34AM
    WywthWywth Forumite
    5.1K Posts
    ✭✭✭✭
    edited 23 July 2013 at 11:34AM
    hobbson wrote: »
    Hi,

    Wondered if anybody could help. 4 years ago before, when I was 18 I had a bank account with Halifax, which gave me a £100 overdraft. I one day went over this overdraft by about £3, which I then refused to pay the charge. I think it was about £30? maybe more. I then went to uni and didn't think much of it. Now I have checked my credit file and see I have an outstanding bank charge with Halifax of over £800. Below I have posted a copy of how my balance has increased.

    These are just charges that have made the balance to increase. I now want to sort my credit rating out, now I have finished uni and would like a mortgage in about 8 years time, so need to sort it out asap, as I know these defaults will stay on my account.

    I see people always claiming back bank charges but my question is can I claim back "unpaid" bank charges, just so they are wiped off my credit report? £800 will take me ages to repay. I do believe that these are unfair charges and wondered if anybody had any advice? I don't think I have access to my online account or have my debit cards, so I can barely remember my bank details. Just that I have a £800 bill to pay :(

    Any advice guys?


    Jan Feb Mar Apr May Jun Jul Aug Sept Oct Nov Dec
    2013 814 814 814 814 814
    2012 814 814 814 814 814 814 814 814 814 814 814 814
    2011 813 813 813 813 813 813 813 813 814 814 814 814
    2010 603 758 828 813 813 813 813 813 813 813 813 813
    2009 0 97 50 0 82 111 143

    I guess many people who are in genuine financial hardship have unpaid charges on their bank account.

    However, you say you didn't pay because you didn't want to.

    Debts don't just disappear by ignoring them ...
  • TheMoneyTheMoney Forumite
    104 Posts
    Halifax write to you to confirm any charges they apply to your account well in advance. If you don't pay the charge and you are still overdrawn, of course more charges will result. Burying your head in the sand doesn't work, it may seem to eradicate the problem short term, but long term your credit file is screwed, and you have a bigger debt to pay
This discussion has been closed.
Latest MSE News and Guides

Students - apply for uni funding NOW

If you plan to get a place via 'clearing'

MSE News

A guide to council tax bands

Lower your band & save £1,000s

MSE Guides