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    • dunstonh
    • By dunstonh 1st Aug 17, 10:41 AM
    • 93,368 Posts
    • 60,874 Thanks
    dunstonh
    Hi,

    I appealed to my bank a few years ago re a mis-sold bank account (NatWest). I then forgot about it as I didn't get a reply. I tried to this again last year and was told to appeal to the Financial Ombudsman. However, as I had already complained the year earlier, I was told that my time to appeal had gone and I was unable to make the appeal to the ombudsman and couldn't open a new case as it had already been looked at by the bank who rejected the initial case.

    How can I open a new case (for the same account) so I can make my appeal to the ombudsman where I am sue, based on others stories, I have a very good chance of winning?

    Thanks in advance for any suggestions.
    Originally posted by matti128
    This thread is not about packaged bank accounts.

    However, in answer to your question, you do not get to open a new case. Its game over.

    Also, you do not have a strong chance at the ombudsman. They reject most packaged bank account complaints. Indeed, the uphold rate is running at around just 16%.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • angel_whip
    • By angel_whip 9th Aug 17, 8:43 PM
    • 31 Posts
    • 488 Thanks
    angel_whip
    Resolver?
    Hi

    Helping my OH sort out his finances - he's still on a debt management plan and makes goodwill payments to other lenders (setup before DMP) but now back on top of mortgage (until recently 3 months behind).

    Having just used Resolver for PPI elements (awaiting results) wondering if any way can do this for bank charges?

    Thanks in advance
    • Nearlyold
    • By Nearlyold 9th Aug 17, 9:57 PM
    • 1,088 Posts
    • 918 Thanks
    Nearlyold
    Your OH should talk to his bank and see if they can help (if he has not already done so), if he is currently in financial hardship they may be willing to make a goodwill gesture by waiving charges for a period or similar. Sending in a complaint about past bank charges unless they were incorrectly applied will get him nowhere, (unless you are talking about packaged account fees).
    • jmjames1234
    • By jmjames1234 15th Aug 17, 10:16 AM
    • 1 Posts
    • 0 Thanks
    jmjames1234
    can i still reclaim?
    Hi all
    Been tidying up some age old paperwork, and discovered old statements from my wifes accounts before we were married, the accounts were closed n 2006 . The charges on them are crazy so I followed the steps on MSE to ask for the charges back. I've got a letter back from Lloyds basically saying they won't give me anything as it is beyond 6 years, they also state that the ombudsmen would agree.
    Is this worth pursuing? and if so how do I answer the bank?
    thats
    J
    • dunstonh
    • By dunstonh 15th Aug 17, 10:36 AM
    • 93,368 Posts
    • 60,874 Thanks
    dunstonh
    Hi all
    Been tidying up some age old paperwork, and discovered old statements from my wifes accounts before we were married, the accounts were closed n 2006 . The charges on them are crazy so I followed the steps on MSE to ask for the charges back. I've got a letter back from Lloyds basically saying they won't give me anything as it is beyond 6 years, they also state that the ombudsmen would agree.
    Is this worth pursuing? and if so how do I answer the bank?
    thats
    J
    Originally posted by jmjames1234
    No. The banks won the unfair charges case back in 2009. There hasnt been any claiming back of unfair charges since then.

    The only thing they or the FOS look at now are current hardship cases where goodwill refunds may be given. However, that will not apply in your case, even if you are in hardship, as you are not a current customer of theirs.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Moneyineptitude
    • By Moneyineptitude 15th Aug 17, 11:35 AM
    • 20,607 Posts
    • 11,461 Thanks
    Moneyineptitude
    I've got a letter back from Lloyds basically saying they won't give me anything as it is beyond 6 years, they also state that the ombudsmen would agree.
    Originally posted by jmjames1234
    Even if it had been more recently than six years ago you still wouldn't have received a refund of your wife's bank charges.
    Nowadays, only people in the Bank's definition of CURRENT hardship are sometimes granted such refunds.

    Your wife no longer even has an account with this bank and her charges are therefore historical.

    The MSE article does point all this out, but many still seem to follow the steps regardless.
    • Barry Napierski
    • By Barry Napierski 16th Feb 18, 2:12 PM
    • 8 Posts
    • 0 Thanks
    Barry Napierski
    Hi,
    Im not in financial hardship, but i know years ago i did get some charges from my old bank account. can i still claim?
    • zx81
    • By zx81 16th Feb 18, 2:13 PM
    • 17,665 Posts
    • 18,801 Thanks
    zx81
    No. .
    • dunstonh
    • By dunstonh 16th Feb 18, 3:26 PM
    • 93,368 Posts
    • 60,874 Thanks
    dunstonh
    Hi,
    Im not in financial hardship, but i know years ago i did get some charges from my old bank account. can i still claim?
    Originally posted by Barry Napierski
    No. You are 9 years too late.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Barry Napierski
    • By Barry Napierski 16th Feb 18, 3:29 PM
    • 8 Posts
    • 0 Thanks
    Barry Napierski
    No. You are 9 years too late.
    Originally posted by dunstonh
    story of my life lol
    • zx81
    • By zx81 18th Feb 18, 11:30 AM
    • 17,665 Posts
    • 18,801 Thanks
    zx81
    What is the benefit of the doubt you were expecting? At the start you said you were 'guilty'. There doesn't seem to be any doubt.
    • dunstonh
    • By dunstonh 18th Feb 18, 12:01 PM
    • 93,368 Posts
    • 60,874 Thanks
    dunstonh
    Experiencing my first ever overdraft fee with Ulster Bank - 20. I am guilty, but looking to get this corrected. I called the 0800 number I found on the Ulster customer service page - seems legit as I only needed to wait a few minutes but they denied helping me out. I claimed and was told 20 is standard on all overdrafts, and the agent said if it happens again, maybe they can consider a claim refund. They advised me to set up warnings via text or email to prevent this from happening again. The one time, literally, this has ever happened to me and I am not being given a benefit of the doubt. I am pretty livid. What do I do?
    Originally posted by Barbara Lowing
    There is nothing to gain at being livid at yourself for your money management mistake. Instead, learn from the experience and do not make the mistake again.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Moneyineptitude
    • By Moneyineptitude 18th Feb 18, 12:02 PM
    • 20,607 Posts
    • 11,461 Thanks
    Moneyineptitude
    The one time, literally, this has ever happened to me and I am not being given a benefit of the doubt. I am pretty livid. What do I do?
    Originally posted by Barbara Lowing
    You need to understand that the Bank are not obliged to refund any charges. When they do, it's generally in response to someone in financial hardship caught in a spiral of repeat charges, not simply a one-off charge.

    Is 20 so much to you? If so, you could ask the bank to examine your account and see if there are ways they can help you to manage your finances better.
    • kainzow
    • By kainzow 22nd Feb 18, 10:37 AM
    • 9 Posts
    • 0 Thanks
    kainzow
    Claiming Unfair charges, Should i do it?
    Hi, I recently put a complaint to the bank about a packaged account. i am currently waiting on a final decision in regards to this...
    I am also considering making a complaint to the bank about unfair over draft charges and other charges.
    I have gone through all my statements and basically just added up all my charges over the last 7 years (when i opened account)
    Below is a copy past from my calculator of my last 7 years charges


    5 + 1.34 + 5 + 4.07 + 3.78 + 5 + 4.04 + 5 + 3.93 + 5 + 3.6 + 5 + 3.9 + 5 + 3.82 + 15 + 5 + 2.15 + 2.31 + 20 + 5 + 3.25 + 80 + 6 + 3.59 + 15 + 20 + 6 + 3.4 + 20 + 6 + 2.92 + 40 + 10 + 6 + 3.47 + 20 + 6 + 2.92 + 40 + 10 + 6 + 2.27 + 25 + 10 + 6 + 2.73 + 70 + 10 + 6 + 2.97 + 80 + 26 + 3.11 + 80 + 26 + 2.04 + 10 + 26 + 4.01 + 106 + 5.09 + 10 + 0.35 + 2.45 + 71 + 3.91 + 70 + 66 + 5.2 + 40 + 20 + 10 + 6 + 4.72 + 80 + 20 + 6 + 4.02 + 80 + 20 + 20 + 6 + 354 + 86 + 4.01 + 76 + 364 + 80 + 30 + 6 + 2.45 + 70 + 10 + 6 + 3.48 + 106 + 2.16 + 6 + 2.57 + 56 + 2.81 + 106 + 2.87 + 106 + 3.5 + 26 + 4.46 + 20 + 6 + 4.67 + 86 + 4.43 + 86 + 5.89 + 80 + 20 + 10 + 6 + 6.78 + 96 + 50.67 + 1.8 + 11 + 29.19 + 18.05 + 16 + 70.5 + 38.38 + 36 + 3.72 + 15 + 30 + 6 + 61.05 + 1.37 + 6 + 6 + 7.53 + 7.53 + 1.83 + 21 + 1.47 + 6 + 7.14 + 6 + 7.57 + 6 + 6.64 + 60 + 6 + 6 + 12.77 + 46 + 5.87 + 22.1 + 11 + 66 + 7.44 + 0.92 + 0.29 + 0.29 + 0.26 + 0.83 + 0.86 + 0.91 + 0.82 + 0.91 + 0.92 + 0.92 + 0.92 + 0.92 + 0.53 + 0.53 + 1.7 + 0.78 + 0.81 + 0.06 + 0.49 + 0.73 + 0.88 + 1.87 + 6 + 0.82 + 0.77 + 0.77 + 0.32 + 0.47 + 0.52 + 0.62 + 0.66 + 0.32 - 0.43 + 0.65 + 0.78 + 0.91 + 0.68 + 0.68 + 0.69 + 0.69 + 0.26 + 0.46 + 0.3 + 0.43 + 0.57 + 0.6 + 0.63 + 1.84 + 0.92 + 0.59 + 0.68 + 0.68 + 0.78 + 0.8 + 0.2 + 0.46 + 0.34 + 0.67 + 0.73 + 0.83 + 1.81 + 0.62 + 0.64 + 0.67 + 0.91 + 0.92 + 0.88 + 0.9 + 0.62 + 1.26 + 0.73 + 0.87 + 0.88 + 0.9 + 1.42 + 0.78 + 0.87 + 0.92 + 0.91 + 0.92 + 1.84 + 0.61 + 0.65 + 0.77 + 0.84 + 0.81 + 0.92
    TOTAL 4214.77 (Around 50 a month when averaged out)

    Im not sure if i would qualify to claim or not.
    i have been in my overdraft for 78 out of the 84 months
    i have been over planned over draft at least 48 times
    it was often charges from previous months that would put me over my planned over draft limit causing charges.


    I would also like to know if it would be better to wait to pursue a complaint until the Packaged account complaint is settled?
    Any help or input would be greatly appreciated
    • Moneyineptitude
    • By Moneyineptitude 22nd Feb 18, 12:09 PM
    • 20,607 Posts
    • 11,461 Thanks
    Moneyineptitude
    I have gone through all my statements and basically just added up all my charges over the last 7 years (when i opened account)
    Originally posted by kainzow
    Answered on your duplicate thread here;
    http://forums.moneysavingexpert.com/showthread.php?p=73919642
    • Anniee88
    • By Anniee88 20th Mar 18, 9:15 AM
    • 81 Posts
    • 158 Thanks
    Anniee88
    Has any one had success who is in current financial hardship? Me and my husband are trying to tackle our debts now. We looked on his statements last night and he!!!8217;s paid 2500 in !!!8216;over overdraft!!!8217; fees over the last 6 years. He has taken out various pay day loan over the last 5 years and has always been short as paying lots of debt off and getting nowhere on a minimum wage.

    Fast forward to now; he has 2 defaults, 3 outstanding pay day loans, one about to default catalogue debt and this overdraft. We have rang to freeze interest and charges and have to call back in 60 days to talk about a repayment plan.

    Do we stand a chance at trying to reclaim the charges? He has never been out of his over draft, always at the max or over every month for the last 6 years
    2018 determined to drive down this debt
    • Moneyineptitude
    • By Moneyineptitude 20th Mar 18, 10:21 AM
    • 20,607 Posts
    • 11,461 Thanks
    Moneyineptitude
    and this overdraft. We have rang to freeze interest and charges and have to call back in 60 days to talk about a repayment plan.

    Do we stand a chance at trying to reclaim the charges?
    Originally posted by Anniee88
    If the Bank have already agreed to freeze interest and current charges, it sounds like the Bank are already assisting you with your hardship.

    You can put your case to the Bank that the charges have contributed to your situation, but don't expect years of charges to be refunded. Banks typically refund only the most recent charges and they have already frozen the interest for you. However, you may get a "goodwill" refund of (some) charges.
    Last edited by Moneyineptitude; 20-03-2018 at 10:24 AM.
    • dunstonh
    • By dunstonh 20th Mar 18, 10:35 AM
    • 93,368 Posts
    • 60,874 Thanks
    dunstonh
    Has any one had success who is in current financial hardship?
    Yes they have.

    We have rang to freeze interest and charges and have to call back in 60 days to talk about a repayment plan.

    Do we stand a chance at trying to reclaim the charges?
    Sounds like the bank is already on your case. Financial hardship cases have multiple options open to them. Refund of some of the recent charges is one option. However, suspending future charges and/or interest for a period or debt repayment plans are another. The latter sometimes involves some write off.

    There is nothing that requires them to refund any charges. They just have to be seen to consider your scenario and help you get out of it. If they can do that without a refund of recent charges then that option may not be offered.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Anniee88
    • By Anniee88 20th Mar 18, 11:54 AM
    • 81 Posts
    • 158 Thanks
    Anniee88
    Okay thanks for your replies. They know we can!!!8217;t afford to repay more than 1 a month so I guess it will be up to them if they want to reduce the amount owed or want to try and recover it which will inevitably end up with a DC and we will continue to pay 1 PM for the next 20 years or so
    2018 determined to drive down this debt
    • Moneyineptitude
    • By Moneyineptitude 20th Mar 18, 12:04 PM
    • 20,607 Posts
    • 11,461 Thanks
    Moneyineptitude
    They know we can't afford to repay more than 1 a month so I guess it will be up to them if they want to reduce the amount owed or want to try and recover it
    Originally posted by Anniee88
    From what you say, it sounds as if you are way past the Financial Hardship stage and are actually heading for insolvency.
    You might want to head over to the Bankruptcy Board for more informed help and advice about your situation.
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