Reclaim Your Bank And Card Charges

[handyman]

Originally Posted by Lew

I just checked my online banking today (Abbey National) and was pleasantly surprised:
That's £780 in refunded charges!

Fantastic news

[Mr Angry]

Originally Posted by Lew

I just checked my online banking today (Abbey National) and was pleasantly surprised:



That's £780 in refunded charges!

Well done!!

[Pia]

Originally Posted by Pia

I'm going to do this too... i will let you know how i get on

Well i posted that in May...

But now that i have a posh new printer i had to test it out somehow

So i've got two letters printed off and ready to post in the morning, one to Barclays, for both my current account and Barclaycard- According to someone on Consumer Action Group i can send a single request to them for both as it's the same address.

And also one to Argos Card, who have charged me many a £17.50 in the past.

Cheques are signed, envelopes are licked, just need to wait and see what the damage is now before i can get the ball rolling and send off the Preliminary Request for Repayment!

[Xaccers]

HSBC have got sneaky now.
My gf recieved a letter today with new information about their overdrafts.
They now have two types:
Formal where you go in an request an overdraft
Informal where if you have insufficient funds for a transaction, they can extend your overdraft for you for 31 days.
You can have 1 change to your overdraft in a 6 month period free, any more and there's a £25 admin charge.
If you go over by less than £10 however, there's no fee.
They also won't charge you more than what you go over (so if you go over by £11, you'll have a £11 fee, interesting as why would it cost £11 to set up an £11 extension to your overdraft but £25 for a £40 extension?)

So instead of charging you for an unauthorised overdraft, it's now an admin fee for giving you an authorised extention to your overdraft.

Incidently, if you put money in on the same day as you go overdrawn, you won't be charged.

Now I don't know about you, but I don't think these changes are too unreasonable (although I'm not sure about £25 for an admin fee, although they do say "may be charged" rather than will) but it's obviously an attempt to protect a lucrative income through charges.

[bopdude]

Well done Lew, sorry the reply came late, have been off line for a while, how long did it take start to finish and were they snotty about it in any way ????

[Scarlett]

Okay, even more fun... Company A has threatend me with legal action! as they state that threatening to take them to court constitutes a breakdown in customer relations. They said there response will be to counter sue me for everything that I owe them... oh and the charges are valid so we're not paying you them back...

Hmm... a couple of points...
1) I no longer have a card with them so they can sue me for £0, good luck making that one stick in court!
2) The justification for the charges etc consisted of stating that they employ staff to make sure you pay your bill each month. Nothing to do with going over the credit limit...
3) The old 'you signed the contract' argument. purleeze one more time for the hard of understanding. If a specific term of a contract is illegal then it cannot be enforced. So you can get me to sign a job contract stating that I will work for £1 per hour but I can still come after you for the extra £4.35 to make it up to min wage.

Will send the second 'pay up or else' letter later.

Company B is currently with the info commisioners office while they explain how microfilch is not a vailid filing system...

Scarlett.

oh and congrats to Lew for £780!

[Chrysalis]

Originally Posted by Xaccers

HSBC have got sneaky now.
My gf recieved a letter today with new information about their overdrafts.
They now have two types:
Formal where you go in an request an overdraft
Informal where if you have insufficient funds for a transaction, they can extend your overdraft for you for 31 days.
You can have 1 change to your overdraft in a 6 month period free, any more and there's a £25 admin charge.
If you go over by less than £10 however, there's no fee.
They also won't charge you more than what you go over (so if you go over by £11, you'll have a £11 fee, interesting as why would it cost £11 to set up an £11 extension to your overdraft but £25 for a £40 extension?)

So instead of charging you for an unauthorised overdraft, it's now an admin fee for giving you an authorised extention to your overdraft.

Incidently, if you put money in on the same day as you go overdrawn, you won't be charged.

Now I don't know about you, but I don't think these changes are too unreasonable (although I'm not sure about £25 for an admin fee, although they do say "may be charged" rather than will) but it's obviously an attempt to protect a lucrative income through charges.

interesting, I got the same on a loan offered to me, was a condition if a payment was missed a £25 admin fee would apply fo rthe letter sent out.

Your situation tho hsbc would be clearing the payments, my bank lloyds tsb currently bounce anything for me even if I am 1p short. Charged £35 as well.

[TheDaddy]

Originally Posted by Chrysalis

Your situation tho hsbc would be clearing the payments, my bank lloyds tsb currently bounce anything for me even if I am 1p short. Charged £35 as well.

I thought that they couldn't bounce stuff if it's under a pound?

[Chrysalis]

they did with me 17p once.

[TheDaddy]

Originally Posted by Chrysalis

they did with me 17p once.

That's outrageous

[Shaun]

Capital One blocked ym credit card the other day for forgetting to pay them 26p.

I cleared the full balance, nearly two months ago miss-keyed the pence part of the payment on my Internet banking and ended up owning just 26p to them. Never missed a payment in the 2 years I've been with them and always paid in full but they still blocked my card and tried to charge me interest. Strangely it wasn't on the 26p (x% of 26p is £0 in anyone's book) but on the items I'd bought since I missed the payment to them.

Suffice to say they refunded the interest and unblocked my card. Assholes.

[Xaccers]

Originally Posted by TheDaddy

That's outrageous

Lloyds are nasty when it comes to their overdrafts.
A friend at uni was £40 over his £500 student overdraft, and they asked him to come and see them.
So he put £400 in his account and thought nothing more of it.
They actually came to the house and took his cards off him.
Guess who didn't get any of the £10,000 he inherited 6 months later

He also managed to get Abbey to pay £120 of his student loan off because rather than reject the direct debit on an account with no overdraft facility and no money, they let 3 payments go.
He pointed out their mistake and they had to write the overdraft off

[AntiSilence]

Originally Posted by Scarlett

Okay, even more fun... Company A has threatend me with legal action! as they state that threatening to take them to court constitutes a breakdown in customer relations. They said there response will be to counter sue me for everything that I owe them... oh and the charges are valid so we're not paying you them back...

Hmm... a couple of points...
1) I no longer have a card with them so they can sue me for £0, good luck making that one stick in court!
2) The justification for the charges etc consisted of stating that they employ staff to make sure you pay your bill each month. Nothing to do with going over the credit limit...
3) The old 'you signed the contract' argument. purleeze one more time for the hard of understanding. If a specific term of a contract is illegal then it cannot be enforced. So you can get me to sign a job contract stating that I will work for £1 per hour but I can still come after you for the extra £4.35 to make it up to min wage.

Will send the second 'pay up or else' letter later.

Company B is currently with the info commisioners office while they explain how microfilch is not a vailid filing system...

Scarlett.

oh and congrats to Lew for £780!

Tell them that it's all rubbish... It's UNLAWFUL for their charges, so they are in the wrong, not you.

[Chrysalis]

Originally Posted by TheDaddy

That's outrageous

not only that there was currently over £500 I deposited waiting for clearance, has anyone else also noticed now banks are often refusing overdraft increases in favour of offering much more costly loans.

[kronas]

here is one issue for you guys:

http://forums.moneysavingexpert.com/....html?t=269424

Social Security Administration Act 1992
Miscellaneous
Certain benefit to be inalienable **

187- Subject to the provisions of this Act, every assignment of, or charge on-
(a)benefit as defined in section 122 of the Contributions and Benefits Act;
(b)any income-related benefit; or
(c)child benefit,
and every agreement to assign or charge such benefit shall be void; and, on the bancrupcy of the beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors.

i was overdrawn by £100,89p, now apparently the above says they cannot eat my JSA up, as its counted as an 'income based benefit'

here is the .gov site with the info, so what are my chances then ?

http://www.opsi.gov.uk/ACTS/acts1992...16.htm#mdiv187


i rang up internet banking and they noted on my account what i had said, told me to bring proof of my JSA with me and discuss this with the branch, my local branch is like fort nox when trying to talk to them, even paying bills gets you 100 questions!