Advice of reclaiming bank charges

[Deleted User]

Hi
I would like to advice on where to start. I have a large amount of debt across many different creditors (loans, credit cards, PDL etc). I am on a DMP but believe that several of these have added on unfair/illegal charges. I have claimed back my PPI but would like to know what else to do in terms of- claiming back bank charges (overdraft fees/ missing SO and DD) and this new refunds that banks are supposed to be making on illegal charges.

Thanks

-taff

Banks are not amking new refunds on illegal charges, because they can charge you for unauthorised overdrafts etc. The only reason they would waive charges is if you are in finacial hardship, and are still being charged them.
Historic charges are unlikely to be refunded.

bengal-stripe

Maddy78 wrote: »

.......believe that several of these have added on unfair/illegal charges.

You might believe bank charges are unfair/illegal. In 2009, the Supreme Court did not agree with you. Since then, the issue is dead and buried.

http://news.bbc.co.uk/1/hi/8376906.stm

dunstonh

I am on a DMP but believe that several of these have added on unfair/illegal charges.

What unfair or illegal charges are you referring to?

and this new refunds that banks are supposed to be making on illegal charges.

what are these illegal charges?

brown1950

bengal-stripe wrote: »

You might believe bank charges are unfair/illegal. In 2009, the Supreme Court did not agree with you. Since then, the issue is dead and buried.

http://news.bbc.co.uk/1/hi/8376906.stm

You could be in for a surprise regarding your dead and buried comment.
Google 'Govan Law Centre' and just perhaps one of many legal cases
they have brought might just might get to the Appeal Court. As they say
'Watch this space'

bengal-stripe

brown1950 wrote: »

Google 'Govan Law Centre' and just perhaps one of many legal cases they have brought might just might get to the Appeal Court.

As they say 'Watch this space'

Govan Law Centre (nor anyone else) hasn't had a single refund of bank charges after the judgement. In particular not one where the charges are claimed to be unfair and/or illegal. (Nobody has ever argued bank charges were 'illegal', but 'unlawful'.)

There was only one case where the court ruled on a refund of the charges and that was a rather absurd case, involving some 'unlawful detention' (locking-in) of the claimant by the bank.

101problems

may i suggest you contact your bank and express finacial difficulty as these are the only cases being upheld with fos at the moment (cases of genuine FD where the bank has not considered also charges caused by charges but less likely to succed)