Bank Charges Test Case Article discussion

Nathan_Spleen

''Aaahaa, not the same.. if the pizza man had a sign up saying....''

''ok ok i can 100% see that with a sign...''

I get the sneaking impression you're making this up as you go along.

ajnicho

Hi.
First post here so be easy.

I moved in to my new house about a year ago and advised my creditors of change of address. New Look failed to action this and sent all my statements to my previous address. I completely forgot about this until recently and contacted New Look.

They advised me that because no payment has been received I was charged £20 a month in late payment fees. This took me over my agreed limit and was also being charged £30 for this. So a bill of £30 has now become £260.

I asked for copies of my statements to be sent out and they said it would cost me £6 per statement. Is this correct? Also, am I entitled to argue the fact that these charges are illegal? Can I request under the Freedom on Information Act, the actual costs incurred for going over my agreed limit/late payments?

Thanks

Orford

I asked for copies of my statements to be sent out and they said it would cost me £6 per statement. Is this correct?
No under the Data Protection Act an |SAR costs amaximum of £10
Also, am I entitled to argue the fact that these charges are illegal?
Yes
Can I request under the Freedom on Information Act, the actual costs incurred for going over my agreed limit/late payments?
No, they are not a public/government organisation . FOI doesn't apply to them

caro8392

Hi,
can anyone tell me if i can claim bank charges back !
i have an advantage gold account with nat west. i pay a monthly fee which gives me an overdraft facility. although not yet gone through this limit i do get charged bank charges as well ( on monthly basis)
can i claim these back ????????/

Orford

Charges - yes. AVGD monthly fee - no

bengal-stripe

Orford wrote: »

Also, am I entitled to argue the fact that these charges are illegal?
Yes

Someone's jumping the gun a bit.

Bankcharges are not illegal at this point in time, they are (presumed) unlawful and unfair, but that has not been decided (yet).

bengal-stripe

caro8392 wrote: »

i pay a monthly fee which gives me an overdraft facility. although not yet gone through this limit i do get charged bank charges as well ( on monthly basis)
can i claim these back ????????/

You might be talking about interest here. Unless the overdraft is 'interest-free',
any monies used will occur interest, at the rate specified in your account.

If your interest rate is 16% and you are £500 overdrawn, that will cost you about 22 pence per day.

You cannot claim that back.

MABLE

JAMESEVANS25.

Your an Idiot. If the banks do implement charges for banking it will be a gimmick to trick selfish people like you with no social conscience on to their side.<!-- / message -->

stefm31

Nathan_Spleen wrote: »

It has not been decided the the charges are unfair, only that the OFT have the power to decide if they are.

Start your court claim now. Even if it is stayed, it means you don't loose out on the six year limitation rule and also should speed up the process of any refund.

thanx nathan spleen, :beer:

hope you could give me one more piece of advice as you seem to be very clued up .....
how do i go about starting court action, dont have credit debit card to use online .. where do i go to start the action and what if any forms do i need ????

Drinker_2

Hi, can someone help - I submitted a claim to Lloyds bank. Received a response stating that all cases had been put on hold.

What do i do now? Do i wait for a further response from the bank or take the next step? If so, whats the next step?
Regards