Bank Charges

[claire6069]

Anyone know what the outcome was with that whole thing??

[Stuart]

you should be able to still claim.... but the door is closing.

[Danny s-p]

can you claim your charges back or some thing. thin k i have missed the hole thing about it. can you please ex plane

[steviegsi]

I thought I read that it was over ruled in court?= you get fook all! Although I may be / am probably wrong?

[draper]

its all on here - http://www.moneysavingexpert.com/

i really should get round to doing it on my couple of accounts.

people cold calling for PPI claims/refunds are really starting to annoy me now tho

[Andy]

ive just paid out another £32 in bank charges,to say i turned the air blue in barclays bank would somewhat an understatement.Fukkin bollox man,i genuinely hope all banks crumble.Fukk them all.
Cash ftw,i only have a bank account for dd for insurance and phone bill.
Its just stealth,legalised extortion imo.

[gc_vaux]

ive just paid out another £32 in bank charges,to say i turned the air blue in barclays bank would somewhat an understatement.Fukkin bollox man,i genuinely hope all banks crumble.Fukk them all.
Cash ftw,i only have a bank account for dd for insurance and phone bill.
Its just stealth,legalised extortion imo.

Halifax have owed me £220 since March which they've agreed to pay me, but as expected, havn't :mad:
Only one good bank, Piggy Bank, Way forward.

[MK999]

I thought I read that it was over ruled in court?= you get fook all! Although I may be / am probably wrong?

This. I filed a claim with Halifax at the start of the court case last year, i.e too late, and they sent a letter in the past couple of months detailing the fact that bank charges were ruled to not be charges but penalties. They can charge you 100k for going overdrawn if they like and as long as you click/sign I accept terms and condition when you sign up it's all fair and square.

[peester]

I was lucky to have found a thread like this on passionford afew years ago and claimed on my current account, whilst u still could. i thought court case meant current accounts cant be claimed against.. but u can credit cards and loans as mentioned.. i claimed recently on credit card charges got a fair bit back again.

[draper]

I was lucky to have found a thread like this on passionford afew years ago and claimed on my current account, whilst u still could. i thought court case meant current accounts cant be claimed against.. but u can credit cards and loans as mentioned.. i claimed recently on credit card charges got a fair bit back again.

didnt the court rule that £12 was a 'fair' charge for over limit/late payments or did i dream that ?


and as said, i only deal with cash now, havent even got a debit card for my 'main' account

[Stuart]

all my late charges recently have been £12... from various companies so that must have been decided to be a fair number

[draper]

yeah mine have always been £12 (with capital 1) so not much point trying to claim as they might cancel my agreement and land me with a £700 bill lol

[Danny s-p]

so were i have been getting charge £15 for going over and £6 for every day i don't pay it back i can clam all this back. and i will only get charged £12 now is this right

[Andy]

i get £8 charge per unpaid transaction,i wouldnt mind paying it if they actually paid the stuff that tried to get the funds,i even asked for a £50 OD and basically got told to get fukked.I only wanted it so if i forget to put cash in bank,which is 6miles away.
Thats the thing with being paid cash.

[draper]

id be ****ed if i got paid cash again- paid cash friday, wake up friday hungover and skint lol

[claire6069]

well i was mightily annoyed this morning when i logged onto online banking to discover i was -39.69, the b*stards have charged me 20 quid for going overdrawn last month, 15 quid 'paid referral fee' and 15 quid 'unpaid item fee' so now because of them, i'm going to get charged AGAIN because they've made me go overdrawn!! its a p!sstake!!

[peester]

i meant all/any unfair charges.
Bottom line with all this claiming lark is only unfair charges..
yeah i claimed back charges that were unfair ; a while ago now, before these newer £12 'set-ones'

[Mike]

Back in day (6 maybe 7 years ago) I managed to blag back enough from Barclays to clear an entire overdraft leaving me with a nice balance, took the cash, closed the account an run.

Now its not so easy :(

[claire6069]

lmao MC Devvo was clearing out banks too?!

[Mike]

lol lol something like that, was an ongoing dispute over 12 months, refunded all the chargres, all compound interest applied & an added extra as a "sweetener" type thing, didnt really wash though.

[claire6069]

o well you cant complain lol i bet they did though lol

[Mike]

FSA & Barclays Financial Obudsman FTW :)

[Tanya.]

well i was mightily annoyed this morning when i logged onto online banking to discover i was -39.69, the b*stards have charged me 20 quid for going overdrawn last month, 15 quid 'paid referral fee' and 15 quid 'unpaid item fee' so now because of them, i'm going to get charged AGAIN because they've made me go overdrawn!! its a p!sstake!!

I would of been as well. Thankfully Natwest have stopped charging me since I went mad at them. Still waiting for all the "error" money to be refunded though.

[claire6069]

i rang them this morning and had a right go at the 'ethnic cousin' that answered the phone, i said to him (in a rather loud angry voice) that because they'd made me go overdrawn, i was now going to get charged for them making me go overdrawn and all he kept repeating was 'you have breached terms and conditions by going overdrawn' so i kept repeating 'you made me go overdrawn', after about 10 minutes i got mightily peed off, told him i was taking my business elsewhere and hung up lol

[Gareth_C]

I have been following the bank charges thing closely as the claim i put forward before the bank took it to court was in excess of 2k.
the £12 charges for credit cards was deemed fair a few yeas ago and anything was reclaimable.
But with bank charges with it going to court at the time of the counrty finaces going tits up the courts had to fold and deem charges fair but also at the same time banks started lowering there charges to tip the balance in there favour.
If they had ruled them unfair the bank would have to pay out to everyone that was owed them thus creating the banks going bankrupt.

[Stuart]

Go into your local branch and have a pleasant chat about it... Works wonders.

I had a few on my current account and went in, asked the charges to be atleast halved and to not be so silly again. got a full refund and jobs a goodun :)

[General Baxter]

i had £120 took off my overdraft from hsbc

the core comments were

i own you now lol
this also works lol

been sitting there for years frozen as i refused to pay it, when i moved banks lol

[Mike]

^I remember that, as they done the same to me when they did it to you! Literally just decided that xxx amount of customers overdrafts will be reduced with no notice at all!! Fcuking assbandits.

I moved to Lloyds TSB after they pulled that old chestnut an have no problems at all since :)

[General Baxter]

I moved to Lloyds TSB after they pulled that old chestnut an have no problems at all since :)

snap :thumb:

[claire6069]

i'm not allowed an overdraft lol

[Andy]

Go into your local branch and have a pleasant chat about it... Works wonders.
No.
I've tried both the pleasant, and scumbag approach-neither worked.I hope they all get syphillis tbh

[claire6069]

No.
I've tried both the pleasant, and scumbag approach-neither worked.I hope they all get syphillis tbh

fpmsl lol classic

have some rep lol

[Andy]

fukkin LOL at the rep comment lol lol lol

[Jack]

people cold calling for PPI claims/refunds are really starting to annoy me now tho
PPI makes me laugh. I had it automatically put onto a loan I once had - 2 minutes on the phone had it refunded. Only bellends carry on paying it without knowing what it is.

This reminds me actually, I need to check my Natwest overdraft, I was planning on using it to buy some tyres. lol

[Andy]

lol