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  #1 (permalink)  
Old 21st February 2007, 09:30 AM
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Illegal bank charges
I know this was mentioned a few weeks ago on here, but did anyone actually go through with the complaint and get any charges refunded?

Latest news from the indie on this:

http://money.independent.co.uk/perso...cle2290035.ece
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Old 21st February 2007, 10:11 AM
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Re: Illegal bank charges
Originally Posted by weeksie31 View Post
I know this was mentioned a few weeks ago on here, but did anyone actually go through with the complaint and get any charges refunded?

Latest news from the indie on this:

http://money.independent.co.uk/perso...cle2290035.ece
I told my mate about this and his bank settled his £1300 claim for £1100 with him (he couldn't be arsed going to the small claims court, even though he knew he'd win). Mrs Paul and I got a slap up meal at Il Forno as thanks for telling him about it. Nice.
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  #3 (permalink)  
Old 21st February 2007, 10:17 AM
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Re: Illegal bank charges
Good work mate! Ive heard a lot of stories like that.

Ive sent a letter to my bank asking for a breakdown of charges for the last 6 years, im sure they know whats coming. Nothing ventured and all that...
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Old 21st February 2007, 10:57 AM
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Re: Illegal bank charges
Originally Posted by weeksie31 View Post
I know this was mentioned a few weeks ago on here, but did anyone actually go through with the complaint and get any charges refunded?

Latest news from the indie on this:

http://money.independent.co.uk/perso...cle2290035.ece
Mate, my search function isn't working, but put in Bank Charges and there is a thread with a load of replies with people getting money back.
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Old 21st February 2007, 11:04 AM
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Re: Illegal bank charges
Originally Posted by navbasi View Post
Mate, my search function isn't working, but put in Bank Charges and there is a thread with a load of replies with people getting money back.
Roger wilko.
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Old 21st February 2007, 11:16 AM
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Re: Illegal bank charges
anybody interested in reclaiming their bank charges should check out the consumer action group website. they give step by step instructions on how to go about it.

http://www.consumeractiongroup.co.uk/


there you go.
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  #7 (permalink)  
Old 21st February 2007, 11:52 AM
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Re: Illegal bank charges
Im just waiting for the bank statments - paid my £10 and issued the letter, HSBC are apparently quite good - im thinking i should get at least a £1K back..
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Old 21st February 2007, 11:56 AM
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Re: Illegal bank charges
Think of all the interest you could have earned on those charges. Best thing to do is manage your finances properly in the first place, then you won't have any charges.
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Old 21st February 2007, 11:59 AM
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Re: Illegal bank charges
Who are these peope with £1000 worth of bank charges !!!! f'kin hell !! I suppose we have probably got a couple of hundred at most on our joint First Direct account - usually the wife going to costco for some chicken and salmon and coming home with an array of unauthorised purchases tipping us over the limit for a day or two.

I heard that some banks are refunding and then closing your account at the same time ! or worse calling in your overdraft facility if you claim them back!

might get the account into credit before I claim our charges back.
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Old 21st February 2007, 12:02 PM
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Re: Illegal bank charges
Originally Posted by Michael Howard View Post
Who are these peope with £1000 worth of bank charges !!!! f'kin hell !!
20 years with my bank and never paid a penny in charges. Make them work for you.
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Old 21st February 2007, 12:14 PM
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Re: Illegal bank charges
Originally Posted by Michael Howard View Post
Who are these peope with £1000 worth of bank charges !!!! f'kin hell !! I suppose we have probably got a couple of hundred at most on our joint First Direct account - usually the wife going to costco for some chicken and salmon and coming home with an array of unauthorised purchases tipping us over the limit for a day or two.

I heard that some banks are refunding and then closing your account at the same time ! or worse calling in your overdraft facility if you claim them back!

might get the account into credit before I claim our charges back.
I get paid weekly and incur £30 every week!!!!
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Old 21st February 2007, 12:27 PM
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Re: Illegal bank charges
Originally Posted by gazelle414 View Post
I get paid weekly and incur £30 every week!!!!
How is that?
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Old 21st February 2007, 12:31 PM
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Re: Illegal bank charges
Originally Posted by Hermes View Post
How is that?
Just constantly going over my overdraft limit - my bank basically knows what goes in every week and that they will always get their cash so i can always get more cash than whats in there.. I basically cant manage my money for shit - no doublt its probably down to my lifestyle..
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Old 21st February 2007, 12:34 PM
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Re: Illegal bank charges
Originally Posted by Hermes View Post
Think of all the interest you could have earned on those charges. Best thing to do is manage your finances properly in the first place, then you won't have any charges.
Indeed
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Old 21st February 2007, 12:41 PM
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Re: Illegal bank charges
Originally Posted by gazelle414 View Post
Just constantly going over my overdraft limit - my bank basically knows what goes in every week and that they will always get their cash so i can always get more cash than whats in there.. I basically cant manage my money for shit - no doublt its probably down to my lifestyle..
Why don't you just get your overdraft rate increased?
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Old 21st February 2007, 12:44 PM
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Re: Illegal bank charges
Originally Posted by Paul View Post
Why don't you just get your overdraft rate increased?
My credit is non exsistant - I cant even get a credit card, which is a blessing in disguise, i did every scam in the book when i was at Uni to get my hands on more cash so my credit scoring is really bad - i probably wouldnt even get a capital one card!
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Old 21st February 2007, 12:50 PM
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Re: Illegal bank charges
Originally Posted by Hermes View Post
Think of all the interest you could have earned on those charges. Best thing to do is manage your finances properly in the first place, then you won't have any charges.
Get your hands on that 0.01% interest on current account balances now available at Barclays. These rates can't last forever !