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Reclaim Your Bank Charges - Free

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FOUND BY: neilmonk 11 months, 3 weeks ago

Ok, not really a "Hot Deal", but some people STILL don't know about this.

Ok, if you've ever had a bank charge for going over your overdraft, having a cheque bounce, etc, you can claim these back, for free.

There's a lot of "no win, no fee" companies that have appeared recently, that take sometimes more than half of the money back when they get it for you.

Many many many people have done this themselves, for free, with the help of various sites on the internet, one of these is the Consumer Action Group. Perhaps not the best site for everyone, but it is [generally] a pretty good site with lots of helpful resources.

There are other sites, but this is the main one I've looked at as well as www.moneysavingexpert.com , but some of the info on MSE isn't quite correct, or rather wasn't last time I looked.

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#2

15-07-2007, 13:48
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If you claim back your charges dont they then close your account?
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#3

15-07-2007, 13:49
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They may or may not - it's a gamble.
I did it and they didnt close my accounts!
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#4

15-07-2007, 13:52
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They generally don't if it's your first claim, but if you keep incurring charges after they paid you back, then yes, they may close it, therefore, you are advised to open another bank account prior to starting the process, just in case.
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#5

15-07-2007, 14:01
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They didnt close mine but it was only 200 quid of charges which took about 5 weeks in total . I think if its a bigger amount they may consider it .
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#6

15-07-2007, 14:03
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I claimed c2.5k from First Direct and they didn't until I uncurred charges twice more. Which is fair enough because I really did take the urine!
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#7

15-07-2007, 15:36
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For what it's worth, this is best off in the CAG website, not here... But the summary is correct, don't go near the people helping, and don't worry about them closing your account, you should be able to open another and once they've been deemed as having broken the rules by doing that too, you never know, you might squeeze more money out of the cheats.
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#8

15-07-2007, 17:28
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Hi, do you still have to have the account open and running ?
and how far can you go back ?
Its just my husband had an account about 7-8 years back which is now closed that he had charges on

thanks
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#9

15-07-2007, 17:38
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The simple solution is not to go overdrawn or over your credit limit in the first place.
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#10

15-07-2007, 17:40
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newme2006:
Hi, do you still have to have the account open and running ?
and how far can you go back ?
Its just my husband had an account about 7-8 years back which is now closed that he had charges on

thanks
I think the limit is the last 6 years.
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#11

15-07-2007, 17:42
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you can only claim charges for the last six years!!
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#12

15-07-2007, 17:47
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NewOrder:
The simple solution is not to go overdrawn or over your credit limit in the first place.
Thanks for that little gem!

What about the fact that banks deal with debits before credits.

So, if your balance is £0.00 on the 1st June, but on the 2nd you have a DD going out for £200. Your wages of £500 are going in one the 2nd June.

You would almost certainly face a penalty charge.

So, it's not just as cut and dry and you seem to think is it...?!
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#13

15-07-2007, 17:48
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The simple answer is 6 years. The more complicated answer is "as long as you want". People have sucessfully claimed back more than 6 years' worth of charges, but it is more complex. Read the CAG site for help.
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#14

15-07-2007, 17:50
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NewOrder:
The simple solution is not to go overdrawn or over your credit limit in the first place.
obviously. but alot of the time it's small businesses who had initial cash flow probs that are now reclaiming. there's many different reasons why someone could go over their limit, i imagine people spending for no reason is a rare reason.
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#15

15-07-2007, 17:51
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NewOrder:
The simple solution is not to go overdrawn or over your credit limit in the first place.
This board needs more like you. Very helpful.
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