Bank charges

Goober456

Can I claim bank charges if I already been turned down by bank and ombudsman . They basically saying if I can afford to shop at next I not in hardship . ???

McKneff

I'm with them, anyone in tru hardship either woundnt be buying new clothes anywhere and be trawling charity shops and car boot sales.

dunstonh

They basically saying if I can afford to shop at next I not in hardship . ???

Which is fair enough. Your spending is analysed and they look for luxury and non-essential spending (such as mobile phones, pay tv and Next).

pooch

Goober456 wrote: »

Can I claim bank charges if I already been turned down by bank and ombudsman . .... ???

No. The ombudsman is the end of the line I'm afraid.

maxzorin_2

Goober456 wrote: »

Can I claim bank charges if I already been turned down by bank and ombudsman . They basically saying if I can afford to shop at next I not in hardship . ???

A bit harsh, you can get some really cheap deals at Next, they must expect you to walk around like a tramp.

Your only option left would be to take them to small claim court, all depends on how the charges were applied.
Have a look at this it might help: -

http://www.bbc.co.uk/news/business-19511542

meer53

There are cheaper clothes shops than Next.

societys_child

maxzorin wrote: »

A bit harsh, you can get some really cheap deals at Next, they must expect you to walk around like a tramp.

That's not the point though is it. We don't know how much was spent etc, it could be any clothing store. Depends how much was blown on clothes, when you're supposedly in financial hardship ie unable to pay your existing bills!

maxzorin_2

societys_child wrote: »

That's not the point though is it. We don't know how much was spent etc, it could be any clothing store. Depends how much was blown on clothes, when you're supposedly in financial hardship ie unable to pay your existing bills!

We also don't know what condition their old clothes were in - if they had holes in or were torn etc then with the colder weather approaching it could be damaging to their health to not have adequate warm clothing on.

Without proper clothing to keep warm a person can become ill.

jacques_chirac

maxzorin wrote: »

A bit harsh, you can get some really cheap deals at Next, they must expect you to walk around like a tramp.

Your only option left would be to take them to small claim court, all depends on how the charges were applied.
Have a look at this it might help: -

http://www.bbc.co.uk/news/business-19511542

Are you suggesting that those who go to charity shops look like 'tramps'?

[Deleted User]

I think the clothing argument is entirely separate to the OP's dilemma.
Regardless, the OP's complaint is at an end if he/she has been rejected by both the Bank and the Ombudsman. I'm rather surprised the OP went to the Ombudsman, given that Bank charges are not routinely refunded and that Banks are only persuaded otherwise in hardship cases. Obviously the OP's definition of "hardship" is different to the Bank's.