Bank Charges Refunds

[Timbo]

All this moaning about bank charges. If you are good and do not go overdrawn you will not get charged.

f*** me you're a genius.

I had never been more than £100 o/d with HSBC but they still managed to do me for £2.4k over 6 years.

You should try reading up on the woman who's husband topped himself after HSBC wound his company up because he was into them for £22k. She has just worked out his bank charges over the years and it totalled £24k.

He should have come to you for advice!

 

[sir albion]

I just got two £34 charges taken out of my account without even a letter or nothing

Goner ring those fu--ckers tomorow

 

[Deleted User X18H]

for all Bank Charge related onfo you need Eric Leenders who lives near Preston Park and sits in Block C around Row B

 

[eastlondonseagull]

You can't request interest until you actually take them to court. Once you have filed with MCOL (Money Claim Online), Thats when you add your 8% interest.

Also people seem to be content with accepting part refunds. Don't. Take them all the way and don't accept a penny less. HSBC offered me £2100, I had claimed £2400. I told them they could wind their offer up their arse. Never let the fuckers off a penny, they wouldn't if it was the other way round.

I'm actually quite glad they didn't offer me all of it because now, I can claim interest as well, taking it to nearly 3K. And they have to pay court fees as well.

Fantastic Well done, for sticking to your guns

I heard you can claim for interest initially, it's just highly unlikely they go anywhere near coughing up for it. But it's worth a shout!

 

[chez]

Fantastic Well done, for sticking to your guns

I heard you can claim for interest initially, it's just highly unlikely they go anywhere near coughing up for it. But it's worth a shout!

If were talking about normal bank charges here my mates just claimed and got the interest. Initially he claimed for not much under £3000 but last week recieved a cheque from NatWest for £3300. Ive just printed out my letter to claim now!!!

NB. For all those that havent claimed yet, now is the time to do it as the banks are lodging a complaint and are expected to win. This doesnt mean that you will no longer be able to claim, just that your claim will be a lot less as you will only be able to claim the difference between what you were charged and what the courts decide is a reasonable amount rather than the whole lot.


Hope that makes sense!!!!

 

[MattBackHome]

I sent off for £609 from HSBC yesterday. My letter DID threaten legal action, but only if I got an unsatisfactory (or no) response within 14 days. Looking at the testimonials from the website I nabbed the letter from I'm expecting the full amount within a week or so.

Will keep NSC posted...

 

[bathseagull]

Sent off at end of Feb requesting £360 charges going back 4 1/2 years...

Received letter Friday offering full settlement...

Ker-ching!

 

[The Wookiee]

http://moneyhospital.addeva.co.uk/?p=214

 

[Cian]

Been told they've been ruled unfair here too. Only problem is I've never actually been overdrawn... might claim the 25p they used to charge for IE£100+ lodgements was unfair, but as the £ went out when I was 14, I never made many of them...

 

[Marshy]

how far can you go back in claiming charges ?

 

[Nibble]

how far can you go back in claiming charges ?

You can go as far as you like but they are only obliged to give you 6 years of charge records.

 

[eastlondonseagull]

Must admit, I was a bit worried the other day when the front page of the Metro said that that bloke had LOST his court case - because despite much talking, I've still not got round to sending off my claim yet.

But most of the experts are saying that a precedent has NOT been set by this judge's decision, so we can still continue to claim and receive money back. Here's hoping, anyway....

 

[Nibble]

Must admit, I was a bit worried the other day when the front page of the Metro said that that bloke had LOST his court case - because despite much talking, I've still not got round to sending off my claim yet.

But most of the experts are saying that a precedent has NOT been set by this judge's decision, so we can still continue to claim and receive money back. Here's hoping, anyway....

The ruling does not mean a great deal except that banks will probably dare you to take them to court, leaving their response to you til the last minute. They know more peolpe will misinterpet the ruling and be scared.

 

[ROSM]

the gravy train has well and truly left town on this. Although the judgement was by a District Recorder and therefore not binding on other courts, it is a real step that a judge has accepted the claim that these fees are in respect of services that the bank provides you when you go over an agreed overdraft limit. Those being:

- paying a cheque or direct debit rather than returning it and affecting your credit rating

- allowing you to borrow off them without notice or agreement

- advising you of the situation

- all based on a preadvised and publicly available tariff

when you add all these three things together, then the fees (and there are very few who charge the £39 being bandied around by the press) are not as unreasonable as is being claimed.

Add to this the fact that for many people (c70%), they pay NO charges for their day to day banking, the banks are merely using those who cant plan and ask, to subsidise those that do. There isn't a business in the world that doesn't offset the relative margins of there products against each other.

Those who've got the money back - well done to you. You will be able to offset the paid for banking that will be coming in very soon. Those that havn't - well you may have missed the boat. And to all those who didn't pay before but may do in the future - more fool you for sticking to the rules of the game.

 

[BensGrandad]

when you add all these three things together, then the fees (and there are very few who charge the £39 being bandied around by the press) are not as unreasonable as is being claimed.

Halifax refused to pay a direct debit for one of my nephews and charged him £39.00. The credit card company Halifax One Card charged him £12.00 for it being returned why the difference with the same bank HBOS.

 

[maffew]

You can go as far as you like but they are only obliged to give you 6 years of charge records.

no they're not, they are obliged to provide you with the information going back 6 years. If you have statements beyond that you can try and claim those also

 

[Nibble]

no they're not, they are obliged to provide you with the information going back 6 years. If you have statements beyond that you can try and claim those also

Uh? That is almost word for word what I wrote.

 

[Chesney Christ]

A question:

I recently claimed for about £200 from my bank for charges I had accrued over 5-6 years. They offered me £85 and being very skint at the time and - in desperate need of money at the time - I accepted.

Can I now go back and claim the remaining £115, plus any charges I have accrued since, or is there some loophole which means I am not allowed to do so?

 

[Nibble]

A question: I recently claimed for about £200 from my bank for charges I

Right, what you need to

 

[maffew]

Uh? That is almost word for word what I wrote.

oh yeah. sorry, what a div. misread it

must stop doing that