Is there a time limit for claiming unfair charges from 2005 - 2009?

goatelope16

Halifax are saying I can only claim for the last 6 years of unfair charges

Conveniently, they changed the overdraft charges in 2009 so they are saying I have no right to complain about anything prior to that?

[Deleted User]

You can't claim for any "unfair" charges. The banks won their court case on "unfair" charges in 2009.

Nowadays, only customers in current financial hardship are likely to have charges refunded, typically the last six months.

I'm guessing you've completely misunderstood what Halifax have apparently told you..

goatelope16

Moneyineptitude wrote: »

You can't claim for any "unfair" charges. The banks won their court case on "unfair" charges in 2009.

Nowadays, only customers in current financial hardship are likely to have charges refunded, typically the last six months.

I'm guessing you've completely misunderstood what Halifax have apparently told you..

No, I didnt completely misunderstandd and yes, the charges were very unfair. Thanks for that needlessly judgemental reply!

[Deleted User]

goatelope16 wrote: »

No, I didnt completely misunderstandd and yes, the charges were very unfair. Thanks for that needlessly judgemental reply!

As I said, the banks won their court case on "unfair" bank charges in 2009. Historical bank charges are not recoverable and any mention of the word "unfair" will result in an automatic rejection of your complaint.

I still maintain that Halifax won't have told you any different. What exactly have they said and in reply to what?

dunstonh

goatelope16 wrote: »

No, I didnt completely misunderstandd and yes, the charges were very unfair. Thanks for that needlessly judgemental reply!

The charges are not unfair. The banks won the "unfair" bank charges court case in 2009. They no longer consider complaints about "unfair" bank charges. Nor do the FOS.

They do consider cases where charges are made where the person is in current financial hardship. However, they have a limited period for going back on these and you have to be banking with them currently. These cases are goodwill gestures on the part of the bank.

You have missed the boat on this.

Nasqueron

goatelope16 wrote: »

No, I didnt completely misunderstandd and yes, the charges were very unfair. Thanks for that needlessly judgemental reply!

As per above posts, the "unfair" charges case was won by the banks, the courts ruled the charges were NOT unfair (as in the legal framework definition of unfair) - so while they may have seemed unfair to you, you cannot take on "unfair charges" cases any more.

If you are in CURRENT financial hardship you can indeed try and ask for help (banks may offer solutions such as refund of recent charges, interest freezes etc) however, you cannot "claim back" charges for historical periods as they were ruled to be acceptable