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anyone ever claim bank charges back?

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tuc biscuit
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2006/07/16 16:15:21 (permalink)
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anyone ever claim bank charges back?

you know when you go 2 quid over your overdraft limit and they charge you 30 quid for the privelege, well some people have started claiming them back, I bet I have paid at least £500 in bank charges, there is a website that gives templates of letters to send your bank etc.


has anyone done this?

I wish I was more attractive like Dagless.
#1

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    Resurrected
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    RE: anyone ever claim bank charges back? 2006/07/16 16:19:37 (permalink)
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    yiddo
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    RE: anyone ever claim bank charges back? 2006/07/16 16:29:21 (permalink)
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    Yeh I have mate, they have the discretion to refund them to you, I've done it loads of times. Mostly when the banks blatantly out of order like u say charging £30 for going £2 over, or sending u over ur limit because they have taken charges out, and so charging u again for that Christ I fcuking hate banks
    #3
    quinny
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    RE: anyone ever claim bank charges back? 2006/07/16 16:30:45 (permalink)
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    interesting that i'm probably owed about 2-3000 quid over the last 5 yrs
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    Jax Demon
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    RE: anyone ever claim bank charges back? 2006/07/16 16:35:42 (permalink)
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    ORIGINAL: Resurrected

    Have a look at this article

    http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,



    excellent ill be writing my letter and sending it asap
    #5
    tuc biscuit
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    RE: anyone ever claim bank charges back? 2006/07/16 16:39:47 (permalink)
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    read all the advice and warnings etc. dave, like opening a second current account at another bank as a safety net incase your bank say yes, we will poay you, but we will also be closing your account, and be prepared for it to possibly go to a small claims court it says

    I wish I was more attractive like Dagless.
    #6
    Jax Demon
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    RE: anyone ever claim bank charges back? 2006/07/16 16:42:14 (permalink)
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    ORIGINAL: tuc biscuit

    read all the advice and warnings etc. dave, like opening a second current account at another bank as a safety net incase your bank say yes, we will poay you, but we will also be closing your account, and be prepared for it to possibly go to a small claims court it says



    lol already got another with nationwide
    #7
    Dr Z
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    RE: anyone ever claim bank charges back? 2006/07/16 16:47:46 (permalink)
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    I did Invoice my bank for a couple of letters I sent them once ..

    Never heard anything back though - Wish I had had the time to chase them up on it really
    #8
    PartyBoy
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    RE: anyone ever claim bank charges back? 2006/07/16 16:56:21 (permalink)
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    Had it ever occured to you to manage your finances a little better ie. Not go overdrawn/over a limit?


    Just a thought...

    #9
    ukmachine
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    RE: anyone ever claim bank charges back? 2006/07/16 17:03:05 (permalink)
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    im ****ing awfull with money, and probably deserved all the bank charges ive had being serious tho, that is a good link cheers
    #10
    Jax Demon
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    RE: anyone ever claim bank charges back? 2006/07/16 17:04:09 (permalink)
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    ORIGINAL: PartyBoy

    Had it ever occured to you to manage your finances a little better ie. Not go overdrawn/over a limit?


    Just a thought...



    doesnt help when you cancel a dd and some how its put back on
    #11
    tuc biscuit
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    RE: anyone ever claim bank charges back? 2006/07/16 17:16:28 (permalink)
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    ORIGINAL: PartyBoy

    Had it ever occured to you to manage your finances a little better ie. Not go overdrawn/over a limit?


    Just a thought...


    well I'm not perfect (unlike you judging from this reply) and have no means of time travel (maybe because I am imperfect unlike you) so I'll just do what I can, and trying to get back some monies owed to me would be regarded as managing my finances by some

    thanks for the helpful input though

    I wish I was more attractive like Dagless.
    #12
    PartyBoy
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    RE: anyone ever claim bank charges back? 2006/07/16 17:50:16 (permalink)
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    ORIGINAL: tuc biscuit

    well I'm not perfect (unlike you judging from this reply) and have no means of time travel (maybe because I am imperfect unlike you) so I'll just do what I can, and trying to get back some monies owed to me would be regarded as managing my finances by some

    thanks for the helpful input though



    I had a feeling you'd react this way. However...

    I'm guessing here but a few hundred pounds worth of charges will probably accumulate over many weeks. Surely this gives ample time to take action and nip things in the bud.

    You've lost me on the whole time travel thing though

    #13
    quinny
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    RE: anyone ever claim bank charges back? 2006/07/16 18:04:25 (permalink)
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    i dont have an overdraft - and from the age of 18-25 i perhaps was like most lads that age where priority was goin out, holidays etc etc. But when i have say 20 quid in the bank, a direct debit is due out for 25 quid, so i'm a fiver short, they cancel the DD so that doesnt get paid, then charge you 39 quid for cancelling it, so your now -19 quid then charge you another 39 quid for the unauthorised overdraft they just basically authorised so they could have there money, then somehow this thread offers some light to us people who are not totally incontrol of there finances PB. I know what your saying moverate but if the above happened, then it would put me 58 quid overdrawn and the 25 quid dd would still not be paid so leaves me in the shíty for next month. see what im saying, thats just for the sake of me bein 5 quid short.
    #14
    PartyBoy
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    RE: anyone ever claim bank charges back? 2006/07/16 18:26:36 (permalink)
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    I see where you're comng from mate but in reality unless your account has been run horrendously previously and the bank has decided it must run in credit only, then the bank will pay the D/D and run the account into overdraft. This saves inconvienience for you as the D/D is paid. They will still charge you for doing so, but tends to be less than an "unpaid item" charge and they tend to be capped at say £15-£20 per item paid over limit (max £60).

    Don't get me wrong, I'm not saying for a sec that their charges are justified, though I believe there should be a charge (perhaps a third or half what they currently charge) just as some sort of deterrent against poor account management.

    #15
    Irish Beast
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    RE: anyone ever claim bank charges back? 2006/07/16 22:54:43 (permalink)
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    ORIGINAL: PartyBoy

    Had it ever occured to you to manage your finances a little better ie. Not go overdrawn/over a limit?


    Just a thought...


    Not always possible!!

    The amount of trouble ive had with companies overcharging is nuts, sky, bulldog bt to name a few. And altho I have got the money back of the companies the bank have been shafting me constantly so think im gonna write my letter!!

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    #16
    Irish Beast
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    RE: anyone ever claim bank charges back? 2006/07/16 22:57:46 (permalink)
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    Also my bank (Ulster bank, part of RBOS) done this.

    I got paid last month due to a job change. So insteast over letting me go overdrawn they bounced the dd. and charged me £30 which put me overdrawn. So then the subsequently charged me £30 for going overdrawn. Absolute madness!!

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    #17
    Irish Beast
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    RE: anyone ever claim bank charges back? 2006/07/17 10:08:17 (permalink)
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    I cant find the template requesting a list of charges on that site.

    Anyone have a direct link?

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    #18
    Rorrie
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    RE: anyone ever claim bank charges back? 2006/07/17 14:58:47 (permalink)
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    when writing to the banks requesting the deatils of charges, they are now asking for £10 admin costs to process it, and they have upto 40 days(under the data protection act) to produce the details, sounds very much like a decent stalling(sp) technique.

    I really think that banks will just bluff so those who are just 'giving it a go' will give in, seems to be that you need to be prepaired to take them to the small claims court to get your money, although in reality, they probably won;t even turn up to court!

    (basing this what ive read and what my brother is experiencing at the moment - he is stuck in the 40 days period to get the details of the fines)

    EDIT my brohter suggested - http://www.bankchargeshell.co.uk/

    HTH

    Rorrie
    #19
    sl
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    RE: anyone ever claim bank charges back? 2006/07/17 15:03:10 (permalink)
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    good post
    #20
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