Re-claiming overdraft fees-am I too late?

djawye

Evening all.

I was wondering if I could ask the forum for some help? I have searched the forum but nothing obvious turned up.

Several years ago when I was much less financially savvy I fell into the overdraft trap, one month I would go over my overdraft limit and the following month the charge would send me straight back over the OD limit again and so forth. I was being charged horrendous amounts!! This was back in around 2007 ish.

Basically can I still claim? As you can tell I'm not up to speed on this at all and I apologise up front for probably asking a question that's been asked a million times!!

Thanks

Dan

dunstonh

Basically can I still claim?

No. The banks won the court case in 2009.

hannahkaty

http://www.moneysavingexpert.com/reclaim/bank-charges?_ga=1.159486393.587192934.1453415250 according to this you can still claim..

dunstonh

hannahkaty wrote: »

http://www.moneysavingexpert.com/reclaim/bank-charges?_ga=1.159486393.587192934.1453415250 according to this you can still claim..

Take a read and you will see that you cant unless it is incorrect application of charges (ie charged the wrong amount) or CURRENT financial hardship. Not historic.

The OP mentioned historic. So, they have no basis.

[Deleted User]

hannahkaty wrote: »

http://www.moneysavingexpert.com/reclaim/bank-charges?_ga=1.159486393.587192934.1453415250 according to this you can still claim..

Have you linked to that without actually reading it? The OP 's situation is such that any complaint he makes will be rejected because it is historic. Only current financial hardship qualifies and, even then, the Bank are under no obligation to refund anything at all..

hannahkaty

I had, but misinterpreted. My mistake - i'll get my coat!