Reclaim your bank charges
 

I dont know if this works as i've just seen it myself

buttttttttt

it does look promising and the forum i found it on a few of the hardcore users were vouching for this

The law is plain: any charges banks levy on their customers must be proportional to the actual costs they incur. The simple question is, ‘does it really cost £35 to send an automated letter when someone’s gone 1p over the limit?’
Thus write to your bank asking for a list of your last six years’ charges, add interest on top and ask for a full refund. When it refuses inform it you’ll go to court under the small claims system. In most cases, the bank will simply pay out; one person received £17,500.
Yet this isn’t an official process like getting Missold Endowment Compensation; it's about challenging the big beasts of the banking world and threatening them with court action. Push it to its limit and you may find yourself in a real fight, so do your preparation and research and take this seriously. There’s no guarantee of winning, but so far the majority of people have.



http://www.moneysavingexpert.com/cgi...41050760,24632,

Re: Reclaim your bank charges
 

Yes it's all true. Ginger picks a fella up in his taxi that works for a company that will fight for your charges back.....I did have his number somewhere. A lot of people are actually doing it now....and winning their money back that they have lost due to banks charging £30-£35 for sending a letter out when you are something like £2:00 over your limit, and the bank is aware that money goes into the account regularly.:(


Good luck to anyone who claims it back...... bleeding banks.

Re: Reclaim your bank charges
 

This thread was on last year
http://www.accringtonweb.com/forum/s...t=bank+charges

Re: Reclaim your bank charges
 

they've bloody ripped the entire wallet outta my pocket the ******

payback is comin....

Re: Reclaim your bank charges
 

they will normally make you an offer as opposed to the full amount.

Never ever bother with these companies that claim it back for you. They charge an extorianate rate for effectively writing 3 letters. YOu really can do this yourself

Re: Reclaim your bank charges
 

There seems to be a few people at work claiming back their bank charges..... have to agree that some charges are a real rip off. I left my last bank because they wouldn't admit to charging when they shouldn't have done. Back then it had to go to the banking ombudsman but I still won my case and they lost a custome. Thank fully have had no charges from current bank :)

Re: Reclaim your bank charges
 

just be sure to have another account open IF you go ahead and claim them back as once your bank does pay out they close said account..

Re: Reclaim your bank charges
 

Yes as G.G.,be wary report in the paper state banks have closed accounts of claimees!

Re: Reclaim your bank charges
 

A businessman from Norfolk has recovered a record £35,987.94 from NatWest after accusing it of charging him unlawful overdraft fees.

The man, who wishes to remain anonymous, had challenged the fees that the bank had levied for bouncing cheques from his company.

NatWest said it was settling the case only because its legal costs were becoming too high.

It is just the latest example of a bank repaying such penalty charges.

http://news.bbc.co.uk/1/hi/business/6559673.stm

Re: Reclaim your bank charges
 

I wonder if i could get my money back from yorkshire bank:confused: . I have not been with them for 3 years and they took an absolute fortune off me, in one week they took £150 and that was the first week in january!:mad: :mad:

I now bank with halifax and have had a couple of charges but wouldn't want them to close my account for the sake of only a few quid.

Re: Reclaim your bank charges
 

worth a shot y not?

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Re: Reclaim your bank charges
 

can and do they actually close the account, can they really do this?

Re: Reclaim your bank charges
 

yes they can and quite often do!!

Re: Reclaim your bank charges
 

Well I said I would keep you posted...

I sent the Daily Mails template letter to the Halifax to reclaim the charges and a few weeks later (after a number of letters from them imbetween saying they were investigating etc) I got a letter back basically saying "no - I agreed to charges when I signed up for the account etc etc".

So I then downloaded a copy of a complaint form from the Financial Ombudsman Website (http://www.financial-ombudsman.org.uk/consumer/complaints.htm). It is now in their hands, so will see how it goes from here.

I will attach templates from the two letters to send to the bank and hope these will help people who have fines reclaim their charges. If anyone needs any help with this I dont mind assisting.

Re: Reclaim your bank charges
 

Boyfriends trying to do this at the moment. He's owed around £800.

Re: Reclaim your bank charges
 

Re: Reclaim your bank charges
 

Halifax and he's been charged around £800. He's on his final letter to them to ask for his money back I think.

I saw something not so long back though in the times about a change in the law about recovering bank charges, I wish i'd read it properly now. I'm sure it said a bill had been past so that banks had more rights to charge people. Think alot of reclaims probably take up court time but I really cant remember.

Anyway I know he hasn't been offered his money back yet :mad:

Re: Reclaim your bank charges
 

Check this out:
BBC NEWS | Business | Judge slams bank payout delays

Re: Reclaim your bank charges
 

Ah maybe I'm thinking of something else then. I don't read BBC news so I don't see these articles.

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Re: Reclaim your bank charges
 

I don't know whether he's going to carry it on. Halifax recently demanded he started paying more money into his account but you can imagine why he doesn't want to pay off an overdraft when the money just gets took out again via charges.

I need to open a new bank account soon for my student card but all the hassle he's had with halifax has really put me off, even though i've never had a problem with them myself. I think i'll be going with RBS but no doubt they will be just as bad aswell.

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Re: Reclaim your bank charges
 

If he has an agreed overdraft there aren't any real charges, normally its just a small interest charge. If its unauthorised then hes still responsible for all charges irrespective of him paying his money in . If he's in teh latter camp then I would HIGHLY recommend going down and talking to them, get them to agree an overdraft and agree a repayment plan that suits his budget, burying his head in the sand is not the way forward when it comes to debt.

you will normally find all teh banks clammouring for your account when you go to uni, sit back, collect the info then make a reasoned choice as to whose set of benefits suis you the best.

Re: Reclaim your bank charges
 

just visited a top website with loads of information on how to claim back all your charges + interest !! with all the procedures + template letters that you can download. address is :

moneysavingexpert.com/bankcharges

lots of helpfull info on how to get back your hard earned ! :)

Re: Reclaim your bank charges
 

He has paid £800 in charges from going over the overdraft accidently. Normally by a few pence. I've done my research on banks, I'm just a bit put off by the possibilities of going over the overdraft and getting charges that amount to such an amount. However I'm more sensible with my money than him so I dont have too much to worry about I guess.

As for him getting his money back, he can do his own research :p

Re: Reclaim your bank charges
 

Good for you..........Look at this one:

BBC NEWS | Business | Bailiffs to go in at Abbey branch

Re: Reclaim your bank charges
 

Re: Reclaim your bank charges
 

excellant kisser


did u get all the amount u claimed for?

Re: Reclaim your bank charges
 

My daughter has just been offered refund of £1060.40 by Barclays Bank. She started the claim 6 weeks ago and she will have the money within the next 2 weeks. There was no arguing by the bank, she obtained a list from them of all the charges and sent in an itemised claim. They agreed all but £200 of it.

Re: Reclaim your bank charges
 

Mistakes and accidents are the banks priviledge not the customers blayzey, they are 'allowed' to have accidents customers are not.;)

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well done liz :)

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I think Barclays were very good with my daughter but it's probably less hassle for them to do that than argue about it. I've heard from other people that Halifax can be a bit difficult.

Re: Reclaim your bank charges