Bank charges

Discussion in 'Chit Chat' started by chuckie_egg, 1 March 2007 Social URL.

  1. chuckie_egg

    chuckie_egg Member

    Posts:
    14
    Likes Received:
    1
    Hello peeps, i was just wondering if any of you had claimed back any of your bank or credit card charges??

    I am toying with this idea what with all the news on it at the moment and just wondered if it was more trouble than it was worth?

    I've also just had this link e-mailed to me, a government petition to get the banks to pay us back if anyone is interested then please click and sign We the undersigned petition the Prime Minister to Force the banks to repay unlawful bank charges and remove the six year time bar, forcing them to pay back everything from at least 1980.

    :p
     
  2. Avatar

    MiniMins.com Matched Content

  3. flirty40greeneyes

    flirty40greeneyes Busy busy busy!!

    Posts:
    13,431
    Likes Received:
    665
    Start Weight:
    15st3lb
    Current Weight:
    13st11lb
    Goal Weight:
    10st0lb
    Lost(%):
    1st6lb(9.39%)
    Diet:
    Slim and Save
    Have been rerading and thinking about doing it myself - in fact kept the relevant page from yesterdays Daily Mail.

    Bank charge letter templates | This is Money

    Would be interested if anyone else has done it and succeeded???
     
  4. kazz

    kazz Gold Member

    Posts:
    3,932
    Likes Received:
    105
    Diet:
    WW
    Check out the link in my signature...its really useful and has a proper forum like this one, where you can get advice from people who have done it, and there are different sections for different banks as well
     
  5. Karen

    Karen Serial Foodie!

    Posts:
    5,225
    Likes Received:
    228
    Start Weight:
    19st7lb
    Current Weight:
    18st2lb
    Goal Weight:
    9st7lb
    Lost(%):
    1st5lb(6.96%)
    Diet:
    Atkins
    i claimed back £3500 in november. i used Consumer Action Group - Welcome forum. they have all the template letters and such. took me 8 weeks to get it back with interest.

    So far I have got back £1650 for one friend and am in the process of getting back £2000ish for another friend.

    its so easy to do but they try to put u off and usually take it to the 11th hour so u have to stay determined with them.

    xxxx
     
    Mini likes this.
  6. Roosters

    Roosters Silver Member

    Posts:
    622
    Likes Received:
    17
    Start Weight:
    16st11.0lb
    Current Weight:
    15st13.0lb
    Goal Weight:
    10st0lb
    Lost(%):
    0st12lb(5.11%)
    Diet:
    Slim and Save
  7. georgiasmum

    georgiasmum Regular Member

    Posts:
    503
    Likes Received:
    15
    Start Weight:
    19st0lb
    Current Weight:
    18st5lb
    Goal Weight:
    11st0lb
    Lost(%):
    0st9lb(3.38%)
    Diet:
    Cambridge 810
    I'd do it soon. The oft are ruling on this issue in April and it is likely that payouts will be cut because the oft are likely to rule that the charges are to high and set a maximum. That means we will only be able to claim the difference between the old and the new charge eg (£35-12= £23) so act now to get maximum back from them!
     
    Mini likes this.
  8. DQ

    DQ Queen of the Damned

    Posts:
    23,285
    Likes Received:
    588
    Thanks Georgiasmum, we have started the process but this will help me gee up DH :D
     
  9. chuckie_egg

    chuckie_egg Member

    Posts:
    14
    Likes Received:
    1
    Thanks for the reply, some interesting stuff.

    I have just sent my letter to the halifax for a list of my charges for the last six years as i only have 2 years statements. :p
     
  10. georgiasmum

    georgiasmum Regular Member

    Posts:
    503
    Likes Received:
    15
    Start Weight:
    19st0lb
    Current Weight:
    18st5lb
    Goal Weight:
    11st0lb
    Lost(%):
    0st9lb(3.38%)
    Diet:
    Cambridge 810
    I received my confirmed settlement from halifax today offering my charges + interest. I signed the forms and will receive my money within 14 days. Go and do it folks!
     
  11. raudi

    raudi One Last Time.......

    Posts:
    750
    Likes Received:
    22
    Start Weight:
    20st1lb
    Current Weight:
    15st9lb
    Lost(%):
    4st6lb(22.06%)
    Diet:
    Slimming World
    so how easy is it to claim back???
     
  12. georgiasmum

    georgiasmum Regular Member

    Posts:
    503
    Likes Received:
    15
    Start Weight:
    19st0lb
    Current Weight:
    18st5lb
    Goal Weight:
    11st0lb
    Lost(%):
    0st9lb(3.38%)
    Diet:
    Cambridge 810
  13. KD

    KD Gone fishing

    Posts:
    17,711
    Likes Received:
    757
    Diet:
    Was Cambridge, now maintaining
    Woohoo. Glad I found this. I've just found out that my son has been charged £120 in bank charges, and he hasn't even got a credit card or a cheque book!

    He uses a debit card because he was worried about getting in debt!

    Seems that he took some money out of a machine at work with his debit card, then used that same card a couple of times in shops.

    Each time the money was there, but the time the 'machine' money went through, he was £30 in debt. They then charged him for the other couple of times he used the card.

    £120! and this has happened before:eek:

    Bless his little heart :( He really thought it would be impossible for him to get into debt as the card rejects if no money is there. He's on such a poor wage too :(

    :mad::mad:
     
  14. KD

    KD Gone fishing

    Posts:
    17,711
    Likes Received:
    757
    Diet:
    Was Cambridge, now maintaining
    Not much sleep for DS and me last night. He is so upset.

    "But it's a debit card....how can I go overdrawn if it's a debit card??"

    He just can't understand. Neither can I to be honest.

    We've made such a big thing in the past about being responsible with money..and he is, for a teen anyway. He's furious with himself, which in a way is good as I would hate him to be one of those people that can't take responsibility for their own actions and always blaming others, but I do feel the bank is at fault here.

    Fortunately it seems that we might getting the money back without having to go the official route.

    When he took the money out, the bank authorised it. It was their slack computing that caused the problem.

    This has been a real knock to his confidence. :(
     
  15. htpink

    htpink CDC

    Posts:
    722
    Likes Received:
    29
    Just a quick update - i had been following the Penalty Charges UK - Fighting your Corner for FREE way and had a court date set for June - Abbey had filed a defence. Got a letter this morning saying they were going to settle in full - £1734 including interest and court fees!!! Woohooo!!!
     
    Mini likes this.
  16. DQ

    DQ Queen of the Damned

    Posts:
    23,285
    Likes Received:
    588
    Excellent news ;)
     
  17. KD

    KD Gone fishing

    Posts:
    17,711
    Likes Received:
    757
    Diet:
    Was Cambridge, now maintaining
    Woohoo. That's excellent!!

    We're with Abbey, and disputing sons charges, which were totally unfair owing to the above messages.

    How long did it take to get from the first letter to this part. Can you remember?
     
  18. Avatar

    MiniMins.com Advert

  19. tatty head

    tatty head Full Member

    Posts:
    78
    Likes Received:
    11
    Hi all,
    My cousin has just recieved £7000 pounds refund this week and my brother is in the process of a claim for £1780 pounds.
    My cousins case from start to finish 9 weeks, he's vereeeee happy as you can imagine lol !
    xxx
     
    Mini likes this.
  20. htpink

    htpink CDC

    Posts:
    722
    Likes Received:
    29
    I sent my first letter mid feb - i already had all my statements - i've probably given them a bit longer than i should have at each stage but also i did my court claim online which sends it automatically to Northampton - it was then transferred to my local one and then again to my district one - all of which was a bit time consuming.

    At one point they did write and make me a partial offer £200 and the day i received the letter they credited my account -i sent back a recorded delivery letter declining their offer and stashed the money in a high interest account - they haven't asked for it back but will wait and see if the final credit is less that £200!

    Was a bit worried when they filed a defence but i was on a course with someone who works for Abbey and he said they always do hoping to put you off but that even if they didn't settle before the court date they wouldn't turn up and i would rule in my favour. Thought i was going to have to go to court!!!
     
  21. KD

    KD Gone fishing

    Posts:
    17,711
    Likes Received:
    757
    Diet:
    Was Cambridge, now maintaining
    I've heard this about Abbey. They will string it along for an age. I really want DS1 to get this money back. They should never have given it to him in the first place since he never wanted credit of any kind and asked them for an account which would never put him in arrears.

    I was livid. He was so upset. Being Aspergers, it's taken him ages to get over it. Going into debit is one of his phobias :( It was so unfair.
     
  22. htpink

    htpink CDC

    Posts:
    722
    Likes Received:
    29
    Poor thing - definitely go for it!

    I just checked my account and they have paid in a cheque in the full amount!
     
Popular Forums
  1. MiniMins.com is a weight loss support community helping each other on their weight loss journey. We have a multitude of forums, from Slimming World and Exante, to Success Stories. Click the logo at the top right to return to the forum home page at any time.
Loading...