Bank Charges Test Case Article discussion

KATTY

Junovo wrote: »

I guess thats why customers incurr charges.!!

I inncured charges after I prostested to TSB for £3 over draw and charge £90. I got the charges back after paying it and complaining ,Then charged again for an extra £6 aday for the £90 and so it goes on.

You think thats fair I dont

Katty:eek:

mikey_boy

Hi im new to all this computer crack so forgive me if in wrong place. My story is the classic bank applied for a stay im not in financial hardship but money would be very helpful as im getting married next year is ther anything i can do?
Advice welcome as my brain isnt the best in the world

natweststaffmember

mikey_boy wrote: »

Hi im new to all this computer crack so forgive me if in wrong place. My story is the classic bank applied for a stay im not in financial hardship but money would be very helpful as im getting married next year is ther anything i can do?
Advice welcome as my brain isnt the best in the world

Is the claimed stayed in the County Court or is it with the Bank?
Do you have any priority debt arrears(mortgage/rent, council tax, utilities)?

mikey_boy

I put it through county court and the bank applied for a stay and bank sent me a letter telling me that they wont make a decision til basically they are forced to by the oft case. I have no arrears but would like the money to help for wedding as there are things we cant buy that we would like to. I started the process in 2007 but it was slightly too late as banks stopped paying people out. I bank with NATIONWIDE if hat helps any.
Am I right in thinking if they are paying people out in financial hardship cases that is an admission that they are at fault. I cant see any other reason for them paying out.

natweststaffmember

mikey_boy wrote: »

I put it through county court and the bank applied for a stay and bank sent me a letter telling me that they wont make a decision til basically they are forced to by the oft case. I have no arrears but would like the money to help for wedding as there are things we cant buy that we would like to. I started the process in 2007 but it was slightly too late as banks stopped paying people out. I bank with NATIONWIDE if hat helps any.
Am I right in thinking if they are paying people out in financial hardship cases that is an admission that they are at fault. I cant see any other reason for them paying out.

You are totally wrong, Banks are paying out on the basis that a lifestyle issue for example loss of employment and subsequently the loss of income has caused charges and that those charges have meant that people are unable to meet their basic outgoing like priority debts. So in reality "Serious Financial hardship", not skint, not a little brassic but in serious financial hardship which might cause them to be living on the streets or in a tent.
Apologies, but with no arrears the court will stay the claim and its a wait and see. If you get more charges then the process begins again.

mikey_boy

Cheers not what I wanted to hear ha but glad somebody could clear it up for me like I said im no brainbox, thanks again and good luck to everyone reclaiming.

simmyd_2

HI all, i started to reclaim my bank charges from halifax about 18 months ago and i got the usual reply "we have to wait until the test case" etc,
i have moved house twice since i started to reclaim and have changed address with my bank but do i have to change address with a different dept regarding the charges as i dont have a number etc!!
any advice would be greatly appreciated.
Thanks

Junovo

KATTY wrote: »

I inncured charges after I prostested to TSB for £3 over draw and charge £90. I got the charges back after paying it and complaining ,Then charged again for an extra £6 aday for the £90 and so it goes on.

You think thats fair I dont

Katty:eek:

Yes agree £90.00 is over the top. A charge of some value proportionate to the amount overdrawn should have been applied.

natweststaffmember

simmyd wrote: »

HI all, i started to reclaim my bank charges from halifax about 18 months ago and i got the usual reply "we have to wait until the test case" etc,
i have moved house twice since i started to reclaim and have changed address with my bank but do i have to change address with a different dept regarding the charges as i dont have a number etc!!
any advice would be greatly appreciated.
Thanks

Have responded to you on your other thread here.

smifffy56

just like to know where to go now I claimed £1700 from the halifax about 6 months after going on a payment plan with my creditors. The bank accepted I was in financial hardship and offered me £85 pound. I then went to the Ombudsman and even though he agrees I am in financial hardship the adjudicator says he is 'persuaded' the bank have done enough under the banking code of practise and does not think my case should go forward. I of course disagree but have to reply to hm by the 2nd september,any suggestions.