Are you owed money?

[Kylies Stunt Arse]

Kinky, any chance you could PM me with the same answer to BoF's question?

 

[JJ McClure]

I only asked for a refund on the charges I've incurred in the last couple of months (I'm normally ok) and they refused.
I am therefore going to go the whole hog and get them to go back over the six year period allowed and try and get back all of it and take it as far as it has to go.
They had their chance to get off lightly and I'm not impressed. It's gonna cost them I tells ya.

 

[zefarelly]

I'm going to do this . . .6 years ago HSBC used to call me personally from the local branch if there was a problem

last month they charged me £75 for going over my overdraught

nail the bastards I say

and take more care of my finances

 

[The Clown of Pevensey Bay]

I only remember going over my overdraft about once -- incurring a 25 pound fine. Will I get any more than the 13 pounds difference back?

 

[perseus]

Everytime my bank has charged me (not too often mind) I've rung up and apologised and made some reasonable excuse and they have always refunded. These charges are discretional - don't ask don't get !!

Which Bank is this ? Not mine

 

[DannyBhoy]

anyone else had any updates

 

[DannyBhoy]

Glad to say i had a letter this morning where my bank has offered me £450.

Thank-you very much

 

[MikeySmall]

Kinky, any chance you could PM me with the same answer to BoF's question?

And me.... this sounds promising....

 

[Kylies Stunt Arse]

And me.... this sounds promising....

Earlier in this thread there were some links to Which? I think that if you followed the pages had links to pre written letters for you to send to your bank. You just had to fill in the blanks, account number things like that.

Download these letters and use them. You probably will have to go back through your statements to calculate how much you have paid. It depends on how your bank decide to deal with your request. It has to be worth spending the time working it out though if there is a chance of a hefty refund.

 

[MikeySmall]

Thanks mate

 

[Barrel of Fun]

I got a letter from Barclays saying that they were sorry I was unhappy with their service and they will contact me before 16th July. Please make a substantial offer Barclays!!

 

[Kylies Stunt Arse]

Anyone actually recieved any cash back yet?

I wrote to my bank last week after finally recieving the statements and asked for my money back, but they would have only got the letter today.

 

[Kinky Gerbil]

yeah i got a fair amount a while back - all spent on tickets

 

[Barrel of Fun]

I got a letter about the contract and small print and they made me an offer (goodwill) of £90. I guess I didn't expect much back as I am still on my old graduate/student account and the O/D was very reasonable.

 

[fatfingers]

Does anyone still have a copy of the Which letter? as the link no longer works.

cheers

 

[hill 16 southwick]

Interesting article in the ST Money section yesterday. Potentially as a result of the banks having to reduce OD charges / fees etc it will eventually result in the end of free banking for everyone and move towards a Continental Europe / US model. Each individual will pay a monthly fee to maintain a bank account . Probably about a tenner a month

This is in a similar vein to the Credit Card fee issue. As a result of Card Issuers having to reduce late payment fees for those customers who couldn't remember / be bothered to pay on time they have increased interest rates for everyone.

 

[beorhthelm]

yep, i for one am looking forward to paying a monthly fee on my bank accounts that i dont go overdrawn on, so that those less capable of financial managment or simply live beyond thir means can continue to do so more cheaply.

 

[Brighton till i die]

just sent off my letter to hsbc today.........any tips...or updates?

 

[Commander]

Sent my letter of a week or so ago, no reply so far.

 

[Cadiz Seagull]

Sent my letter of a week or so ago, no reply so far.

Blimey! If they have to repay your bank charges they'll go bust