Soldato
Has anyone started or suceeded on here to reclaim these unlawful bank charges just wondering what experirences people have had on here with it ??
divaboy said:Has anyone started or suceeded on here to reclaim these unlawful bank charges just wondering what experirences people have had on here with it ??
You can claim for anything which is deemed a penalty charge, which includes:-
Quote:
returned direct debits,
card misuse,
unpaid standing order,
unpaid item,
exceeding your overdraft,
overdraft interest (see below),
total charges (see below)
(more will be added as and when confirmation is found)
You can not claim for: -
Quote:
ATM (cash machine) usage (typically £1),
an agreed overdraft fee,
anything which is deemed a "service" by the bank
(more will be added as and when confirmation is found)
A[L]C said:Do you have to work out how much they owe you? If so, whats the best way?
Funnily enough I was looking into this just yesterday. The first thing to do is to write to your bank with the standard letter here (registration req'd tho) and enclosed a £10 cheque so you can get a copy of your last six years charges on your statements. After that, you tally up the charges and then hit the bank with a letter stating how much etc and say if they don't respond you within 40 days you will follow it up with a LBA (Letter Before Action) that warns you are prepared to take it to court.Hedge said:i think you recieve 6 years of statements, and go through them and not down all charges you are entitled to. this will take a long time though i imagine
Samtheman1k said:I'm still really confused as to how anyone can mount up £2k of charges?
It's a cascading thing, a couple of DD's bounced which threw my finances out of whack. I got charged £x amount for the bounced DDs and then a further charge because those charges then took me overdrawn! It's happened a few times, partly my own fault I know but the charges just suck you deeper into the **** which spirals over time. Bouncing a couple of direct debits can cost you over £100 in charges alone but what hacks me off is the banks KNOW they don't have the right to chrage you yet they do. If you query it they will try to bully you into accepting a derisory amount, stick to your guns and you can get it all back and with the interest paid on what they have charged you.Samtheman1k said:I'm still really confused as to how anyone can mount up £2k of charges?
Ah but you DO deserve to claim the charges back, they are not lawful in refusing to pay them back. This is what people fail to understand, the banks are legally bound to repay the charges 'cause they shouldn't do it in the first place.Hedge said:Not as difficult as you can think. I suck with money, i spend beyond my means and get fines as a result. People are going to climb on their high horse and start telling me that i dont deserve to claim stuff back.. but before you do people... screw you i dont care