What charges you can claim

mavric

i got a company to do my leg work up to now ive worked out my bank nationwide owes me about £4000 for the last 6years but ive forgot the name of the company dealing with it i phoned the bank and asked who they gave my account info to and they said they dont know i think they are just spinning me a yarn and laughing behind my back i wouldnt mind the charges so much if they acually paid the bill but they dont its like there saying were not going to pay it and for the privilage of telling you were still going to have your money for not paying it im getting rather p????? off with this now :mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad: PS THEY WONT GIVE ME AN OVERDRAFT TO STOP THIS SO THATS A DOUBLE KICK IN THE TEETH!!!!!!!!!!!!!!!!!!!!!!!!!!!

natweststaffmember

mavric wrote: »

i got a company to do my leg work up to now ive worked out my bank nationwide owes me about £4000 for the last 6years but ive forgot the name of the company dealing with it i phoned the bank and asked who they gave my account info to and they said they dont know i think they are just spinning me a yarn and laughing behind my back i wouldnt mind the charges so much if they acually paid the bill but they dont its like there saying were not going to pay it and for the privilage of telling you were still going to have your money for not paying it im getting rather p????? off with this now :mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad::mad: PS THEY WONT GIVE ME AN OVERDRAFT TO STOP THIS SO THATS A DOUBLE KICK IN THE TEETH!!!!!!!!!!!!!!!!!!!!!!!!!!!

Then you will have to do a Subject Access Request and ask for everything that the bank holds on you(not statements) and those letters should then be sent to you.
Furthermore if you are talking to them then you may be talking to a department that will not hold that information.

fredted40x

Last year i tried to pay for something with paypal, but it failed and halifax then charged me £30. Will i be able to claim that back?

natweststaffmember

fredted40x wrote: »

Last year i tried to pay for something with paypal, but it failed and halifax then charged me £30. Will i be able to claim that back?

Absolutely you can.

jojo1964

ILOVEBARKLEES wrote: »

I was in Barclays today, and the personal adviser told me to hang tight with my overdraft being stuck in reserve as I could claim back the Reserve Usage 'Fees' after the test case had gone through court.
Anyone know how true this is?

EDIT: He also said he thought they were a disgrace, which I had to agree with.

I closed my Barclays account after going into a DMP, but they are adding £88 per month in reserve usage fees, 4 x £22 per month, plus account fee, and interest, they refused to accept the offer from the DMP company, am i able to claim any of this back?

natweststaffmember

jojo1964 wrote: »

I closed my Barclays account after going into a DMP, but they are adding £88 per month in reserve usage fees, 4 x £22 per month, plus account fee, and interest, they refused to accept the offer from the DMP company, am i able to claim any of this back?

Yes and ask them to remove the reserve from your account.

jojo1964

natweststaffmember wrote: »

Yes and ask them to remove the reserve from your account.

How do i do that if i have closed the account, and are still in the reserve part of the overdraft? i assumed they would continue to levy the usage fee until i had reduced the overdraft to below the level that triggers the usage fee.

natweststaffmember

jojo1964 wrote: »

How do i do that if i have closed the account, and are still in the reserve part of the overdraft? i assumed they would continue to levy the usage fee until i had reduced the overdraft to below the level that triggers the usage fee.

Telephone banking can take it off. If the account is closed it wouldn't incur charges so it is open.

ZZR

Forgive me if you ve read this on another thread am new to all this interweb thingy!

A few years ago a HSBC Personal loan was taken out by my ex wife (who was on disability benefits at the time)for £10,000 with the payments coming out of our then HSBC joint account. We had an overdraft of £1000
We got into financial difficulty and cancelled all direct debits with the bank on the advice of the CCCS. This included my wife’s Personal loan payment to them. They refused to cancel it and continued to try and withdraw payments from this account causing an £800 overdraft escalate to £ 2,500 in charges on the account and a further £1,000 of missed payments charges on the loan.

We have now separated, the original personal loan is still in my ex wife’s name. My question is are these charges legal when we requested the to stop all direct debits?, and the overdraft debt ( now sold on to a debt collection agency) for £2,198.83 (which I have been paying at a £1 per month on the advice of the CCCS as up until recently was in receipt of jobseekers’ allowance.) am I fully liable for this amount as it was the payments for her personal loan that caused the problem in the first place.

Incidentally most of my ex wife’s debt was done without my knowledge as all the benefits were in her name, until it was too late. Despite only being in receipt of benefits manage to get nearly £35,000 worth of credit. with an income of then £0 (as my wife claimed for me) I was unable to be included on this loan.

The financial institutions were more than willing to loan her the money on the strength of these benefits but it seems unable to recover them as they cannot be included as income for recovery purposes. She is also trying to get me to be responable for ALL her debts as I have now started work.

MadMummyof2

Sorry if I am repeating PP, but I am lost in a minefield of info that is way over my head.
We bank with HSBC and for the past few years, have paid £25 for the Arrangement Fee of the agreed Overdraft
I have now had a letter saying they are charging us £75 for going over the agreed amount and £25 for Additional Services. Can I claim this back?
We Internet Bank and i check the accounts most days, so if we have gone over the overdraft limit, it has been for no more than 48hours. And we're not talking huge amounts, possibly £50-£60.
Can anyone help?
Thank you