Smile adding more charges while claim is ongoing!

Beate

The OP asked a question, I answered with a fact. Get over it. I am not discussing this anymore.

crazyworld_2

In other words, no you are not psychic Beate, and you don't know their personal circumstances. Therefore you have not replied with the facts, purely your take on the situation. That's a fact, you can't accept that, that's your problem, you don't even wish to acknowledge the above, then that is your problem also.

djmunch

Like i said in my first post, i started reclaming the bank charges after they charged me for being 35p over my limit, ie £500.35. I then paid in enough money to take it back below the £500, then sent a letter on 21 May (used the template on here) disputing these charges, but a few days later they charged me £5 in interest for the month which resulted in the balance reverting to £502. They then added a further £110 in charges.

I can understand them charging a fee for me being overdrawn, but when i dont get any letter, email or phone call advising me that i am overdrawn, what costs are they exactly incurring? Certainly not £110 of that i am certain.

bengal-stripe

djmunch wrote: »

Like i said in my first post, i started reclaming the bank charges after they charged me for being 35p over my limit, ie £500.35.

Did you jump into the process of reclaiming with both feet, all guns blazing?

Presuming you do not habitually breach your OD limit (and that doesn’t seem to be the case, as apparently there were no other, older charges to reclaim), ‘gently-gently-does-it’ might have been a much better approach. Did you contact them, apologized for the oversight, promised it would never happen again and asked for the charge to be cancelled? In all probability that would have happened. Most banks are willing to cancel a ‘first offence’.

If you did not contact them, do you still think your Rambo-style operation was the best way of action?

TraceyV_2

Hi,
I feel sorry for the starter of this thread who asked a simple question and the answer to ring them and tell them the account is now indispute and to not charge anymore was a good answer I did not realize you could do this and I am ringing my bank tomorrow to do just this.
I still am being charged for going silly pence over and I'm sure if asked most people on here have been charged at least once for doing so or having a cheque or DD bounce since starting there claim after all isn't that what we are all on here for in the first place.
Of course the answer is to not go over drawn again but easier said that done.
Good luck everyone x

crazyworld_2

Hi Tracey, I think it would be better to write to them stating the account is now in dispute and that you'd strongly advise them not to debit from your account any further charges while the claim is ongoing.

That way, you have everything in writing which can be proven easier than any telephone calls.

Best wishes to you.

bengal-stripe

crazyworld wrote: »

Hi Tracey, I think it would be better to write to them stating the account is now in dispute and that you'd strongly advise them not to debit from your account any further charges while the claim is ongoing.

The entire account might get frozen, no monies going in, no monies going out.
Do not do that, before you have opened a new account elsewhere.

TraceyV_2

Thanks for the advice Crazyworld and begal-strip I have opened an account at HSBC and am going to see them tomorrow to see if I can transfer my account and overdraft to them do you think that is a good move? Will it have any affect on my case?
Thank you so much for your advice and hope your cases are going well
Tracey x

crazyworld_2

Indeed Bengal Stripe, I had presumed (perhaps I should not have done so, apologies I should have asked if you'd already opened a new account Tracey) that the advice had already been followed to open another account first before proceeding down the road of claiming money back. I certainly did that before I began the whole process.

Am not sure about transferring your overdraft as well Tracey though, I haven't personally transferred an overdraft because at present I didn't feel that I could afford to do so, but depending on your own financial circumstances, you have to do what you feel is right.

I don't think that opening another account will have an impact on the case personally, in fact, you've obviously felt it necessary to do so as you do not feel your present provider is acting lawfully.

I have quite a few complaints, so i've gone down the Ombudsman route personally Tracey, the case is now awaiting allocation to an adjudication officer.

Best wishes

djmunch

bengal-stripe wrote: »

Did you jump into the process of reclaiming with both feet, all guns blazing?

Presuming you do not habitually breach your OD limit (and that doesn’t seem to be the case, as apparently there were no other, older charges to reclaim), ‘gently-gently-does-it’ might have been a much better approach. Did you contact them, apologized for the oversight, promised it would never happen again and asked for the charge to be cancelled? In all probability that would have happened. Most banks are willing to cancel a ‘first offence’.

If you did not contact them, do you still think your Rambo-style operation was the best way of action?

No, i have had charges before. The amount i am reclaiming is just over £300 in total including the latest £110. I tried the softly softly approach the first time it happened, but i got the reply "our charges are as per the t&c" and they wouldnt budge. This time when i asked about them they said "make sure this does not happen again or we will request the return of your debit card" which i thought was rather rude. Obviously a standard line as i have never used the card once in any transaction since the account has been open. (i only used it for the odd ebay transaction as a link to my paypal account).