Bank charges AGAIN!!!!!!
- Thread starter byf
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The Wookiee
Back From The Dead
byf said:
Did you go overdrawn?
Did you have DD's returned ?
Did you bounce cheques ?
Yes the fees are unfair and too high, however surely you knew what the penalties were when opening your account ?
byf
New member
- Thread starter
- #26
The Wookiee said:Did you go overdrawn?
Did you have DD's returned ?
Did you bounce cheques ?
Yes the fees are unfair and too high, however surely you knew what the penalties were when opening your account ?
Yes I went overdrawn...so so many times
Not many DD's returned..but a few
Well..Due to unforseen circumstances that occured in my life over the past 3 ish years my finances have spiralled and I havent had a proper grip on them and have spent quite a bad period of living hand to mouth...like so many do....But I went overdrawn trying to put food on the table....and it made me so angry...it wasnt as if I was taking the piss and spending on credit cards or doing benefit fraud and they just bang me with £40 every-time.
THE FCUKERS WILL PAY FOR THIS!
eastlondonseagull
Well-known member
Nibble said:
Nah, the NW are bastards. I requested a list of charges over the last six years and they sent me six years of bank statements through the post instead. The envelope was ripped to shreds when it arrived, held together with rubber bands. They'll do whatever they can to put you off claiming or make it as difficult a task as possible. As is what they're doing in Byf's case.
I totalled up about £650 quid in charges, plus interest, makes a tidy £750 or so. I've not yet claimed this back, however, as there are a few 'charges' I'm unsure about. But fingers crossed, they'll pay-out in the next couple of months.
It's a really simple procedure, as long as you follow the step-by-step processes listed all over the internet, you have a bit of patience and can put up with their various delaying tactics.
Nibble
New member
- Jan 3, 2007
- 19,238
The Wookiee said:Did you go overdrawn?
Did you have DD's returned ?
Did you bounce cheques ?
Yes the fees are unfair and too high, however surely you knew what the penalties were when opening your account ?
Whether he knew it or not the charges and whatever he signed to that effect are unlawful and the contract will not hold up in court. You could sign a pice of paper saying that "If I go overdrawn you can punch me in the face" doesn't make it legal.
The Wookiee
Back From The Dead
Nibble said:
Thats what I said, but the fact remains that if you keep your account in good standing you dont get charged
Nibble
New member
- Jan 3, 2007
- 19,238
The Wookiee said:Thats what I said, but the fact remains that if you keep your account in good standing you dont get charged
True but not always as easy as that - I got made redundant three times in two years and could not get any benefits for most of that time- This lead to me being overdrawn, then the bank recalled my overdraft and f***ed me up good and proper.
The problem I have is that banks see you struggling and continue to drive you into deeper debt. I didn't spend loads on credit cards etc just had trouble meeting my obligations.
Storer68
New member
hmm i wouldn't be at all suprised if the banks use this as an excuse to end free banking
short term gain in my view
short term gain in my view
eastlondonseagull
Well-known member
byf said:
No, not every charge. There's a list of the charges you CAN claim for on that MoneySavingExpert website. Stuff like fines for bouncing a cheque, going over your OD limit etc etc.
You can't claim for things like overdraft interest charges or the monthly fee for having a NatWest Advantage Gold account etc etc
eastlondonseagull
Well-known member
Storer68 said:
They probably will. NatWest's Advantage Gold account isn't free banking anyway. They're such wankers.