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bank charges? anyone sucessfully claimed back?

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sorry if this has been discussed before :) A friend told me they were claiming back bank charges, i.e, unpaid dd charges, bounced cheque charges, late fees ect after reading an article on how to d… Read More
loupomm Avatar
1d, 4m agoPosted 1 decade, 4 months ago
sorry if this has been discussed before :)

A friend told me they were claiming back bank charges, i.e, unpaid dd charges, bounced cheque charges, late fees ect after reading an article on how to do so, ive found the said article on the bbc site ,looks quite straight forward and worth a try, you can claim back up to 6 years worth, i was wondering if anyone has tried this and if they were sucessful?

http://news.bbc.co.uk/1/hi/business/6170209.stm
loupomm Avatar
1d, 4m agoPosted 1 decade, 4 months ago
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#1
loupomm,

look here for details on this: http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,. Martin has been championing this for a while and many people have had great success getting charges back as they have virtually proved that the charges are not consistent with the actual costs to administer your account. Good luck :)
#2
thank you its worth a try eh! :)
#3
loupomm,

absolutely, especially if you can get some cash back, then you spend it on all the deals on here :)
#4
of course!...dont trust those blasted banks with it lol :)
#5
im doing it im in court on 17th:P

[url]www.consumeractiongroup.com[/url]

im a member there they all very helpfull

btw it tyakes a while !!!


i want my 2k£
#6
good luck :) let us know how you get on :)
#7
Well worth it

I sent a standard letter which I got from Which online. Very basic letter if you would like a copy pm me and I'll send it to you

I reclaimed £78 of charges the other half £50. I wont name the bank but, my letter of complaint was dealt with promptly and without issue. The other half they tried to fob off! Letters were exactly the same and going to the same bank!
#8
thats reassuring :) well done, i have a letter, basic but to the point, i'll def try :)
#9
I was successful in claiming back mine.
Im getting £1000 back from the Halifax.
Just waiting for my cheque to arrive! :thumbsup:

Its worth doing!! Just make sure you have another account with another bank incase they close your account.
#10
birdyboyuk
I was successful in claiming back mine.
Im getting £1000 back from the Halifax.
Just waiting for my cheque to arrive! :thumbsup:

Its worth doing!! Just make sure you have another account with another bank incase they close your account.



well done you :)

such a pity mor people dont realise they can do this
#11
I haven't paid any Bank Charges in 10 years.
Good luck to you all. :)
#12
dinosteveus
I haven't paid any Bank Charges in 10 years.
Good luck to you all. :)


what a good boy you are :) bet santa brought you a great pressie :santa:
#13
loupomm
what a good boy you are :) bet santa brought you a great pressie :santa:

Just over 10 years ago I nearly went Bankrupt over Bank charges. Long story and it was like a Domino effect. I paid well over £2,000 in Bank charges and I wish I could get these back.:oops: :oops: :oops:
I was not boasting, (sorry if it sounded that way) I've been there.
#14
dinosteveus
Just over 10 years ago I nearly went Bankrupt over Bank charges. Long story and it was like a Domino effect. I paid well over £2,000 in Bank charges and I wish I could get these back.:oops: :oops: :oops:
I was not boasting, (sorry if it sounded that way) I've been there.



i didnt think you were boasting :)

most of my bank charges (notice i say most lol) were due to divorce ect, i wish they had been avoided, added up to quite a bit :( hopefully th i might get some back
#15
Could this be applied to credit card charges? I went through a traumatic period at uni of incurring charges across 3 credit cards for several months.

I reckon I've paid over £500 in late payment charges in the last few years.
#16
Yes, you can claim back credit card charges. :thumbsup:
Thats how it originally began, but the OFT are now looking into the fees for bank accounts, hence the reason why so many people are claiming back!
#17
i got mine back today yay!

:D
#18
How much you get???

Im still awaiting my cheque for £1000!!! :x

Hopefully get it tomorrow! :w00t:
#19
£500

from ,lloyds !

got another 1500 to come from another account!
#20
Antj87
£500

from ,lloyds !

got another 1500 to come from another account!


Well done :thumbsup: :-D :-D
#21
please go to consumercorner.co.uk,they have everything you need and all help/letters/advice are free. i have reclaimed and won
#22
The only problem (and I'm not having a go at anyone here) is this is now putting costs up elsewhere. First Direct have already started charging £10 a month for a current account, other banks look set to follow. This is all because people have claimed their charges back.

I think I have paid charges twice, I won't be going to get them back as they taught me to take more care of my money (again, not having a go at anyone!) so I was grateful for the charges in a way.

If you want to find out what people claiming their charges back are actually setting themselves up for, read this:
http://www.thisismoney.co.uk/saving-and-banking/article.html?in_article_id=412361&in_page_id=7

So to me, it's a case of a few reclaiming, and everyone having to pay the price. All the money that has been reclaimed will be taken off all customers from current account charges.
#23
I got my cheque today! :w00t: :w00t: :w00t:

In regards to your comment grd, i do agree but basically the banks are stealing from you. They are taking money out of your account which you haven't got.

For example, you haven't got enough money to pay for a Direct Debit, so it doesn't get paid because you haven't got enough, but the bank can still take their 'charges' money even tho you haven't got enough. You get me? :thinking: I think it makes sense! lol

Anyway, I got my money, I'm happy. :-D
#24
well done birdyboyuk :)
#25
well im truly buggred on my halifax account there taking £60 and i have no overdraft and £0 in so they can wait till next year for theres unless some 1 wants to pay them for me! then ill start claiming back
#26
birdyboyuk
I got my cheque today! :w00t: :w00t: :w00t:

In regards to your comment grd, i do agree but basically the banks are stealing from you. They are taking money out of your account which you haven't got.

For example, you haven't got enough money to pay for a Direct Debit, so it doesn't get paid because you haven't got enough, but the bank can still take their 'charges' money even tho you haven't got enough. You get me? :thinking: I think it makes sense! lol

Anyway, I got my money, I'm happy. :-D


Yer not having a go at anyone and I can see where your coming from.

But the other point of view is, were now all getting charged. Those, like me who learned from it and tried hard never to do it again by staying out of my overdraft (so that I had a £1500 buffer at all times) are now also getting penalised because other people didnt.

I understand that everyones circumstances are different. I understand the cycle of charges. However, this is why Direct Debits are so rubbish and the reason I don't have them. I simply pay all my bills online when I get them. If I don't have the money, the bill don't get paid until I do. That way, I'm in control and a company can't take money from my account so that I get charged.

Don't take long at all to log in and make a payment. Most are done on the 1st of the month. Takes me 10 mins to pay mortgage, council tax, phone bill, water and anything else that I might have been billed for.

So I (and many many others) are going to soon have to pay for a bank account even though I have always made sure the money is there, the sole reason being, other people who have been charged have claimed it back through a loophole.

I can understand the odd charge, but simply cannot understand the £1000 and over cheques, thats absurd, don't know how someone can carry on getting charged all the time, I'd have done something pretty quick (get a 1k loan for instance) to pull me out of that situation. Seen people saying they have recieved over 6k back. They really need some financial planning!!

And yes, I been on the breadline many a time, used my overdraft many a time. I'm ok now, but when I wasn't I still didnt get charged and was in the red (overdraft). Just simply took control and stopped DD's.

Also have seen over on MSE people who have claimed their charges back, banks have closed their accounts and now they are having trouble getting another. Swings and roundabouts really. You'll certainly have a black mark against your name with the bank.
#27
banks have been charging users for accounts for ages mate!

most banks said they would start befor this all started ~!
#28
what about business account charges?
#29
I claimed back last year - approx £200 if i remember correctly. Used a standard letter from moneysavingexpert.com. Was claiming from Abbey and was actually only asking for fairly recent charges. I did have a few more from years back but decided that it was the current ones that would be easiest - both for me to list and for them to find. This was at the time when lots of people had started claiming and my logic was that the easier it was for the bank the more likely it was that they would pay it. There also seemed to be quite a few people who were having quite a hard time arguing with the banks and having to follow up with more letters and court appearances and to be completely honest I didnt want the hassle. Whether this logic was the reason or not - I got my refund and was very happy with the way it was dealt with.
GOOD LUCK to anyone trying. I hope you are successful
#30
Grd, the reason I got back £1000 was because everytime 'Hellifax' took a charge from me, that took me into unauthorised OD, which means more charges because of that, and its just kept continuing.
Im not having a go or anything, just sayin...

I closed my account with 'Hellifax' over a year ago and was glad I could still claim it back! £1000 over 3 years, took me about 6 weeks to get it back :thumbsup:

As for banks charging their customers....you don't really need a bank do you? You can pay bills by Giro slip at your post office :thumbsup:
#31
LOL like your theory, but where you put the rest of your money and how you pay for things online?

I don't want cash under the mattress! :p

Ant....which current accounts have been charging for ages? I know of non? You may be talking business accounts which are completely different to personal. I have a business account myself, and yes, get charged for that and charged for every single transaction I make.
#32
sorry are u saying a bank is charging for there bog standard personal account !

if you are you need to swithch lol

Bidy nice name Hellifax !

shame there taking £60 from me and its gonna have to snowball like urs!
JSA dont cover bank charges!
#33
LOL like your theory, but where you put the rest of your money and how you pay for things online?


There are a few cards you can use for onlne purchases.

Theres a Mastercard one, dunno what its called tho! & Splashplastic. They are pre-pay cards, you could use them.

Somewhere to keep your money?? Money box, a safe? Give it to the other half??:giggle:
#34
Antj87
JSA dont cover bank charges!


I know! Just had my claim through today.
Im not entitled to anything for my 4 year old daughter. Her mother gets CB and CTC. We are still together. Can any1 shed any light on that? :thinking:
1 Like #35
I'm sure she'd like that! Don't think it's a wise idea, I'd rather it was in my savings accounts! lol!

Without bank accounts theres a lot you can't do. Recieve wages would be one of them, which could cuase a few hiccups!
#36
Antj87
sorry are u saying a bank is charging for there bog standard personal account !

if you are you need to swithch lol

Bidy nice name Hellifax !

shame there taking £60 from me and its gonna have to snowball like urs!
JSA dont cover bank charges!


Ant, I'm saying thats whats GOING to be happening because customers have been getting the charges back.

Big dents in profits, so they have to get that money back. It turns out, asking for charges back has actually helped the banks as charging £10 per customer per month means an extra £120 PER CUSTOMER every year.

First direct have already started charging. HSBC are soon to follow, though it seems FD are testing the water.

Were one of the very last places in the world who have free banking. Unfortunately, this has been spoilt (again not having a go at anyway as there are thousands that have done it) and now were going to have to pay.
#37
if i get refunded the bank charges will they close my account?
#38
apparently they 'may' tho many people have said their bank has not closed them down
#39
can someone pm me wat they done to get back there money and it would be even better if u claimed it bak from natwest. because thats my bank.
#40
http://news.bbc.co.uk/1/hi/business/6170209.stm

have a look here


it gives you all the info you need including printable letters to send

:)

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