crrrrrrrrraaaaaappppppppp - RESULT!!

[Steelgoddess]

Read this: http://www.moneysavingexpert.com/reclai ... s#nutshell

If its only one charge give them a call and tell them you have been really loyal and you would like that money returned to you in good will...

I was lucky enough to claim £500 in bank charges HOWEVER atm there is a massive court case which will rule whether these bank charges will be legal once and for all...

 

[katyk]

I just accept this as what banks are like- it's annoying that they let you go over though. I only have a hole in the wall card, no debit card and nothing going directly out of the account, that way there's no possibility of going over.

They will probably let you pay it off in very small amounts if you say that's all you can manage. And maybe they'll let you off

 

[Ladybird]

Definitely check out that link to the money saving expert website. The guy is called Martin Lewis and is brill. He's on the radio and tv quite a lot.

Anyway, in a nutshell, it is unlawful for the bank to charge you £28 for going £2 overdrawn. The charges they make have to be proportionate to the cost of recovering money. It does not cost £28 to send an automated letter. With paper, envelope and postage £1 is more realistic.

I think on that website there is a template letter for people to use in your position.

I would write to say what I put in previous paragraph, put money into account to get back in to credit, and offer to pay £1 to cover bank's costs!Maybe enclose chq for £1!!!

Good luck hun!

 

[babydust]

i have had bank charges this month too good old retail thearapy but apparently there is a court case going on just now withh most banks about the amounts they charge for being overdrawn so there is a hold put on all bank charge refunds until the case is ended, but the buggers will still take them off but im not sure if this is just scotland or all of uk

 

[Kayte&Bump]

Mine did it to me last week so I rang them and told them they were breaking the law charging me and they soon credited it me the £35 they took

xx

 

[Kimbo]

got a letter this morning, my "complaint" has been forwarded to the relevant department!

 

[Kylie1007]

got a letter this morning, my "complaint" has been forwarded to the relevant department!

Make sure that's not just a delaying tactic - they're good at saying things like that to fob you off!

 

[Becksss]

i've done that before..it was with nationwide though..not sure but no harm in trying hun!

its halifax im with... should i write or phone? you think a letter would get more attention?

I knew i'd gone overdrawn straight away ehen i did it i have no over draft i phoned up halifax straight away n sed im NOT going to be charged for this am i? i was assured not
and i didnt

 

[Kimbo]

i've done that before..it was with nationwide though..not sure but no harm in trying hun!

its halifax im with... should i write or phone? you think a letter would get more attention?

I knew i'd gone overdrawn straight away ehen i did it i have no over draft i phoned up halifax straight away n sed im NOT going to be charged for this am i? i was assured not
and i didnt

it says ill get a reply in 10 days... so if i dont ill phone them up

 

[Tangerinedream]

i got a charge last year and phoned them and the quashed it there and then. i went 62 pence over and they wanted to charge 28 quid

 

[Kimbo]

they've charged me an extra £28 because theres no money in that bank account and theyve took interest out.
so that's £56 they want from me now
they still havent replied to my letter i dont know what to do

 

[mum2be?]

they've charged me an extra £28 because theres no money in that bank account and theyve took interest out.
so that's £56 they want from me now
they still havent replied to my letter i dont know what to do

Hunny, they are not paying out much money claims at moment due to court case. I would ring them if i was you and explain noramally you get a refund staright away on fone if you are polite but firm

 

[Kimbo]

if i ring do you think they will cancel them?
im at college at the moment so cant phone but i will when i get home

 

[mum2be?]

if i ring do you think they will cancel them?
im at college at the moment so cant phone but i will when i get home

yer if they say they cant ask for someone above them to talk to. just explain that you never go over drawn & you pg ect

hope you get it all back

 

[Kimbo]

thanks vicki

 

[siobhan]

You need to be doing something sooner rahter tan later or it will end up spiraling and getting to a silly stage. Try calling like you say or maybe pop into your local branch and see what they have to say?

 

[Urchin]

I'd try your local branch first. Good luck

xx

 

[Kimbo]

i think ill ring but only when my mums not in because if she knows ive gone overdrawn then she'll be worrying that im not managing etc

 

[budge]

Thats LEGAL in the UK....?????????????????????'

My good grief....thats highway robbery.... Our bank calls us first to ask if we realise that we have gone over....then either extends our overdraft a bit or charges stupid amounts of interest for as long as we have the overdraft,....

But 28 quid for being 2 quid over drawn....thats just barmy!!!!!

aren't you from the u.k squg? if not then where are you from?

 

[Kimbo]

Thats LEGAL in the UK....?????????????????????'

My good grief....thats highway robbery.... Our bank calls us first to ask if we realise that we have gone over....then either extends our overdraft a bit or charges stupid amounts of interest for as long as we have the overdraft,....

But 28 quid for being 2 quid over drawn....thats just barmy!!!!!

aren't you from the u.k squg? if not then where are you from?

she's from spain