Have you ever been charged by your bank????
01-07-2006, 12:17 PM
#362
Originally Posted by big bad al
anyone had any luck with Halifax? i've just ordered my statements over the phone and as soon as i mentioned reclaiming the charges they got shrity with me! 
still waiting to hear from the coop.
01-07-2006, 01:26 PM
#363
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i sent my letter to barclays and theyve credited the £10 for statements back into my account 
and ive not received the statements, anybody else had this?
Sarah
and ive not received the statements, anybody else had this? Sarah
01-07-2006, 01:34 PM
#364
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Originally Posted by big bad al
anyone had any luck with Halifax? i've just ordered my statements over the phone and as soon as i mentioned reclaiming the charges they got shrity with me!
01-07-2006, 06:38 PM
#365
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recived only 2 years of statements from the bank on friday phoned them if i dont recived the rest by tuesday they will re order them
nearly £200 for the last 2 years thou
nearly £200 for the last 2 years thou
03-07-2006, 10:22 AM
#368
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Ok, i wrote to Natwest about my charges for both my current account and my credit card.
I received a letter back saying blah blah we believe our charges are fair, reasonable and transparent, and have been applied strictly in accordance with our agreement blah blah blah...
It then goes on to say:
"As an exceptional matter, on this occasion we will arrange to refund your account with £35.00 as a gesture of goodwill. However, our Terms & Conditions will continue to apply and any charges that accrue in the future must stand.
Acceptance by you of this payment will be in full and final settlement of all claims you have relating to our charges"
Now, i was claiming for £120.00 of charges on my current account, and £155 on my credit card. I have to write to them seperately at another address for the credit card bit though, oops!
So what shall i do? They have already put the £35 back in my account.... but i quite fancy pushing for more?
I received a letter back saying blah blah we believe our charges are fair, reasonable and transparent, and have been applied strictly in accordance with our agreement blah blah blah...
It then goes on to say:
"As an exceptional matter, on this occasion we will arrange to refund your account with £35.00 as a gesture of goodwill. However, our Terms & Conditions will continue to apply and any charges that accrue in the future must stand.
Acceptance by you of this payment will be in full and final settlement of all claims you have relating to our charges"
Now, i was claiming for £120.00 of charges on my current account, and £155 on my credit card. I have to write to them seperately at another address for the credit card bit though, oops!
So what shall i do? They have already put the £35 back in my account.... but i quite fancy pushing for more?
03-07-2006, 06:45 PM
#371
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Originally Posted by Jim Galbally
send it to your local branch.
also look on their website under CONTACT US
also look on their website under CONTACT US
04-07-2006, 04:14 PM
#372
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Still not heard owt from HSBC.....
Gona have to get back in touch i know people who have had money back so it cant be one rule for them and one for the other.
Gona have to get back in touch i know people who have had money back so it cant be one rule for them and one for the other.
04-07-2006, 04:17 PM
#373
Right anyone other than PON trying with Royal Bank of Scotland???
My mrs got a letter today that basically says fuck off
Her charges are about £1500 and something back would be nice. At the end of the letter it just says we are disappointed you say you wish to take legal action against us but if you do serve the paperwork to the main address at bottom of page 
what the bloody hell do we do now?!
My mrs got a letter today that basically says fuck off
Her charges are about £1500 and something back would be nice. At the end of the letter it just says we are disappointed you say you wish to take legal action against us but if you do serve the paperwork to the main address at bottom of page
what the bloody hell do we do now?!
04-07-2006, 04:29 PM
#378
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yeah there is always that...
but if it goes to court, it will be made public and in the press etc...
which will alert a hell of a lot more people into doing the same thing with their bank, and be major bad news for all banks...
as loads of people will request their money back all at the same time
so i would think, they will have sense and want to keep it quiet and just settle out of court...
i cant help thinking they sent that letter to try and warn you off, hoping you would just go away....
but if it goes to court, it will be made public and in the press etc...
which will alert a hell of a lot more people into doing the same thing with their bank, and be major bad news for all banks...
as loads of people will request their money back all at the same time
so i would think, they will have sense and want to keep it quiet and just settle out of court...
i cant help thinking they sent that letter to try and warn you off, hoping you would just go away....
04-07-2006, 08:56 PM
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Chopman - just read your posts.
Sounds like they're calling your bluff to me.
I would really rather not go to court, but I am preparing myself to do so. I guess you shouldn't say you're going to take them to court if you aren't prepared to do so?
Get yourself to www.consumeractiongroup.co.uk and see what you can find
Neil.
Sounds like they're calling your bluff to me.
I would really rather not go to court, but I am preparing myself to do so. I guess you shouldn't say you're going to take them to court if you aren't prepared to do so?
Get yourself to www.consumeractiongroup.co.uk and see what you can find
Neil.
05-07-2006, 02:36 AM
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Originally Posted by Lambchop
yeah but what if it isn't?
They won't want it to go to court, not at the moment. If it comes out that they've lost, and a tabloid gets hold of it, they know full well that all and sundry'll have a go.
I'll have twenty quid that you'll get a settlement offer before it hits court, it's recognised that they're legally in the wrong already from what I've read.
05-07-2006, 08:42 AM
#383
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How the hell have some of you managed to rack up so many charges!!
Complaining to the bank and clawing some of the cash back is a good idea - but you can't really blame the banks for your own financial mis-management
Maybe some of you should try spending within your means?
Never had a bank charge in my life 
Complaining to the bank and clawing some of the cash back is a good idea - but you can't really blame the banks for your own financial mis-management
Maybe some of you should try spending within your means?
Never had a bank charge in my life
05-07-2006, 08:48 AM
#384
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Originally Posted by davietwee
Complaining to the bank and clawing some of the cash back is a good idea - but you can't really blame the banks for your own financial mis-management
05-07-2006, 10:35 AM
#385
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having gone through six years of account for 4 accounts, it seems we haven't done too badly.
£190 odd was the worst one, so given that 60% of that is justifiable (ie £12 charge instead of £20) then not really worth claiming back.
I am however still wainting on a loan statement that I got hammered for nearly a grand in charges, that was from a different bank (Lloyds).
Shame I can't go back 10 years, as Barclays would get a right hammering. Fooking a'holes
£190 odd was the worst one, so given that 60% of that is justifiable (ie £12 charge instead of £20) then not really worth claiming back.
I am however still wainting on a loan statement that I got hammered for nearly a grand in charges, that was from a different bank (Lloyds).
Shame I can't go back 10 years, as Barclays would get a right hammering. Fooking a'holes
05-07-2006, 10:44 AM
#386
well ive just read all 11 pages
I have just started the process to open another current account (need to as i have a job at that bank lined up anyway and they will only pay me in one of there own accounts )
and as soon as that account is open, im going to try my luck with the natwest, and I am more than willing to take it to court, as surely charging me 35 quid for going 63p over my limit is a bit extreme!
and then there was the time they refused a DD when i had the money in the account they refunded that one tho, as a sodding goodwill gesture - i mean goodwill, they shouldnt have refused the Bill as my account was in a positive figure(for the first time in a while) and had a large overdraft!!!
I have just started the process to open another current account (need to as i have a job at that bank lined up anyway and they will only pay me in one of there own accounts
) and as soon as that account is open, im going to try my luck with the natwest, and I am more than willing to take it to court, as surely charging me 35 quid for going 63p over my limit is a bit extreme!
and then there was the time they refused a DD when i had the money in the account
they refunded that one tho, as a sodding goodwill gesture - i mean goodwill, they shouldnt have refused the Bill as my account was in a positive figure(for the first time in a while) and had a large overdraft!!!
06-07-2006, 12:49 PM
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well i woke up this morning to find 15 envelope's on the mat my statements had finally arrived!
i've spent the last 2 hours going through 5 years of statements and the grand total of charges is
£2374!
Letter to the bank will shortly be on the way first class!
i've spent the last 2 hours going through 5 years of statements and the grand total of charges is
£2374!
Letter to the bank will shortly be on the way first class!
06-07-2006, 12:50 PM
#391
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Originally Posted by davietwee
How the hell have some of you managed to rack up so many charges!!
Complaining to the bank and clawing some of the cash back is a good idea - but you can't really blame the banks for your own financial mis-management
Maybe some of you should try spending within your means?
Never had a bank charge in my life
Complaining to the bank and clawing some of the cash back is a good idea - but you can't really blame the banks for your own financial mis-management
Maybe some of you should try spending within your means?
Never had a bank charge in my life
not everyone is as fucking perfect as you
07-07-2006, 03:15 PM
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Top news for me today
Sent a letter off awhile backing claiming for £1190.
Then today get a letter saying there pay me back OVER £1000
well happy with that..
Thanks to the guy who started this post otherwise I would never of know about it
Sent a letter off awhile backing claiming for £1190.
Then today get a letter saying there pay me back OVER £1000
well happy with that..
Thanks to the guy who started this post otherwise I would never of know about it
07-07-2006, 03:39 PM
#397
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I havent had time to read through all the pages so i am sorry if this has been asked before but if you have an overdraft limit...say 2k and you exceed it each month and then get skinned a hundred quid by the bank (each month)for going over the limit,can you claim that back?
07-07-2006, 05:02 PM
#398
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Originally Posted by rs_daz
Top news for me today
Sent a letter off awhile backing claiming for £1190.
Then today get a letter saying there pay me back OVER £1000
well happy with that..
Thanks to the guy who started this post otherwise I would never of know about it
Sent a letter off awhile backing claiming for £1190.
Then today get a letter saying there pay me back OVER £1000
well happy with that..
Thanks to the guy who started this post otherwise I would never of know about it
07-07-2006, 10:09 PM
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Originally Posted by starturbo
I havent had time to read through all the pages so i am sorry if this has been asked before but if you have an overdraft limit...say 2k and you exceed it each month and then get skinned a hundred quid by the bank (each month)for going over the limit,can you claim that back?
