Is this illegal? Can she claim?

seven-day-weekend

About five years ago, my son's girlfriend had a student bank account and overdraft with Natwest. She then opened another of the same with Lloyds. She has since been told (by yet another bank) that this was illegal and that Lloyds should not have let her have one. She got in a terrible mess with bank charges on this account (all debt paid back now). Is it illegal to have two student accounts and is it too late for her to claim?

Thanks.

noh

No it's not illegal.
It may be contrary to a banks policy.
Did she tell Llyods she already had a student account elsewhere?
I can't see any basis for a claim. She got herself into debt not the bank.

seven-day-weekend

noh wrote: »

No it's not illegal.
It may be contrary to a banks policy.
Did she tell Llyods she already had a student account elsewhere?
I can't see any basis for a claim. She got herself into debt not the bank.

Thanks.

It's a bit awkward getting the right info as she has Aspergers' Syndrome and can't always explain things properly. This is also why she got into debt, she did not understand how the overdraft worked. She has paid it all back now (and closed the account), but she was just wondering whether she could reclaim the Bank Charges.

She said she was told it was illegal by (another) bank when trying to open a third student account (because she did not understand properly ). She says the info about the other two accounts was on the other bank's computer and that was when she was told it was illegal. I don't know whether she told Lloyd's about the other account, I think she's assuming that because it was on the third bank's computer that it would be on theirs.

She didn't deliberately get into debt and has now got out of it entirely by her own efforts on a minimum wage job. She was just enquiring.

Could you explain to me why she is not able to claim back the charges?

Thanks.

Aquamania

seven-day-weekend wrote: »

Thanks.

It's a bit awkward getting the right info as she has Aspergers' Syndrome and can't always explain things properly. This is also why she got into debt, she did not understand how the overdraft worked. She has paid it all back now (and closed the account), but she was just wondering whether she could reclaim the Bank Charges.

She said she was told it was illegal by (another) bank when trying to open a third student account (because she did not understand properly ). She says the info about the other two accounts was on the other bank's computer and that was when she was told it was illegal. I don't know whether she told Lloyd's about the other account, I think she's assuming that because it was on the third bank's computer that it would be on theirs.

She didn't deliberately get into debt and has now got out of it entirely by her own efforts on a minimum wage job. She was just enquiring.

Could you explain to me why she is not able to claim back the charges?

Thanks.

Have you read the MSE guide to reclaiming bank charges?
It explains the basis for reclaiming now open (and even then, for the main one there is no obligation on the bank to refund charges). I too see nothing in your posts to suggest your son's girlfriend qualifies on any basis.

seven-day-weekend

I must admit I haven't read them recently, although I have in the past. I thought you could reclaim them. Things have obviously changed! I will do so now.

Thanks .