We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
old bank charges
Hi just a quick question, before the old bank charges claiming stopped, husband had racked up lots of charges 2006-2010 approx, we tried claiming bit was refused, can't remember what date refusal was, anyway he now has a ADHD and Impulse control disorder diagnosis within last 10 months (explains a lot) wondering if this would open a doorway to see if the bank would reconsider?
Thank everyone
Comments
-
IMO Not a chance - concentrate on his health rather than a dream.
1 -
If you've already complained and the complaint was rejected you can't go back for a second bite of the cherry.
1 -
It was just a thought as at time didn't know about his condition, and yes we are working on his health and looking at his options for the future
0 -
What he needs to do is get his health professional to complete a Debt and Mental Health Evidence Form. See the link here:
Should he be told that he needs to pay for this being completed he should state that the British Medical Association doesn't allow a charge to be made for completing this - this is true for England but might this might persuade the surgery if they think otherwise.
Once the form has been completed it should be sent to the bank with a covering letter to state the diagnosis explains why the charges were run up. This may be sufficient to get them to review the situation for him.
If you need more help with this or other debts you might want to post on the debtfree wannabe board in the future.
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
Check your state pension on: Check your State Pension forecast - GOV.UK
"Never retract, never explain, never apologise; get things done and let them howl.” Nellie McClung
⭐️🏅😇🏅🏅🏅🏅🏅0 -
I don't wish to be unkind, but surely if you were unaware of his condition until relatively recently, it would make it difficult to argue that it had a meaningful role in running up significant charges 20 years ago, or is there a history of seeking diagnosis over all or most of that time?
0 -
Once you have the final answer you either go back to the bank with any other evidence or go to the FOS. If not, after a while it gets closed and time barred and cannot be re-opened nor can you open a new one and try and angle it differently when it's the same complaint.
Note also that the banks won the "unfair" charges case and these sort of complaints rarely suceeded
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
0
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.1K Banking & Borrowing
- 254.7K Reduce Debt & Boost Income
- 455.8K Spending & Discounts
- 247.9K Work, Benefits & Business
- 605K Mortgages, Homes & Bills
- 178.8K Life & Family
- 262.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards