Reclaim Your Bank And Card Charges

[newguy]

Hi Xaccers & co,

Got the reply back yesterday in ref to letter before action I sent 2 weeks ago. That was the letter stating go give me my money back or else it's court time. Perhaps it's the standard reply I got saying they have asked FSA to suspend the normal timetable etc etc.

So I'm assuming my next step is to file the claim at court?

Originally Posted by Xaccers

You can go solo

Originally Posted by popper

TD, as iv said here and elswere many times, people should really read SurleyBonds http://www.consumeractiongroup.co.uk...d-removal.html
and his other threads there, it really opens your eyes as to the tricks these companys use, and what your rights and actions are to get it put right, click it and READ IT.

once you understand that process and have sorted that out, theres not good reason not to also use the exact same options to put right all the other things companys or rather their personel try to pull, the ISPs could do with some action taken against them to put their antics right, do nothing and you help their cashflow, do something and you help your's.

Thankyou, taking a look right now, as i expected my email (and phonecall) to the CEO of alliance and leicester was ignored, what a suprise there.

Guess i'll look for help through here, also off to see my solicitor next week considering they have stolen over 1k from me

[Osem]

The latest court case to determine the fairness of bank charges has upheld the original legal decision on the OFT's determination and agreed that such charges are indeed unfair.

Link to follow:

[Derek]

Well the banks have lost the latest round in their fight to hold on to your money.

http://news.bbc.co.uk/1/hi/business/7910852.stm

Expect the next stage to be them moaning that it isn't fair for them to repay the money now as it'll be the taxpayer losing out.

[Mr Angry]

Time to revisit this thread.

Things are starting to heat up for the banks Thorius v's MBNA PPI claim - consumer win.

Banks asked by FSA to outline their plans to repay customers.

Previously rejected PPI claims to come under the spotlight again.

Originally Posted by Mr Angry

Time to revisit this thread.

Things are starting to heat up for the banks Thorius v's MBNA PPI claim - consumer win.

Banks asked by FSA to outline their plans to repay customers.

Previously rejected PPI claims to come under the spotlight again.

i was wondering what had happened to this court case ,maybe this is why the RBS group (which i'm with)have just reduced their bank charges from 1st oct
http://www.which.co.uk/news/2009/09/...ges-184120.jsp

[Mr Angry]

Originally Posted by martyh

i was wondering what had happened to this court case ,maybe this is why the RBS group (which i'm with)have just reduced their bank charges from 1st oct
http://www.which.co.uk/news/2009/09/...ges-184120.jsp

Marty,

These RBS reductions have, I believe, come about as a direct result of Government intervention in an attempt to get the rest of the banks to "wake up and smell the coffee" over the charges debacle.

[superbiatch]

Originally Posted by Mr Angry

Marty,

These RBS reductions have, I believe, come about as a direct result of Government intervention in an attempt to get the rest of the banks to "wake up and smell the coffee" over the charges debacle.

Lets hope Halifax listen up to this, currently i pay £35 for every purchase/debit which takes me over my overdraft. I thought they were part of RBS but just realised in the Bank of Scotland duh

[Will21st]

About 4 months ago I got £2000 back from Barclays on a hardship claim.I can only remmend going down that route.I put on a right old song and dance about holes in my shoes

have to say though,they coughed up.Still owe me a grand though!!

[superbiatch]

I had a not so interesting conversation with the Halifax a few days back when I got into a bit of financial trouble (the company I work for has gone into administration and I've not been paid). So I asked for help in maybe extending my overdraft which they were unwilling to do. They then went on to tell me form December I will be charge £1 per day for having an overdraft and this is something all banks will be implementing, so in effect I'll probably end up with an extra £31 per month being paid to them as my overdraft is more than my wages. Their solution was to offer me a loan - no chance!

Has anyone else heard of these charges?

Oh goodness me i hope thats not the truth otherwise its time to calmeth , but a nice cheque to wipe all my discrepancies would soften the blow for a short while . Still seems a bit steep though how does it all work it seems odd to me what do they do with the persons money surely there not just keeping it all in a box they must be using it time for another sherry methinks

[superbiatch]

Originally Posted by bjorkiii

Oh goodness me i hope thats not the truth otherwise its time to calmeth , but a nice cheque to wipe all my discrepancies would soften the blow for a short while . Still seems a bit steep though how does it all work it seems odd to me what do they do with the persons money surely there not just keeping it all in a box they must be using it time for another sherry methinks

So it seems its just a Halifax thing http://www.mirror.co.uk/news/city-ne...5875-21699500/


I think its time to look for a new bank account pronto.

Eight million more bank customers could try to reclaim overdraft charges, according to Which?, the lobby group.
New figures from the group show that, of around 12m people who have been hit with bank charges since July 2001, over three in five (63pc) have not asked for their money back.
With the Supreme Court's ruling on the test case due on November 25, the banks could face a deluge of new complaints should the Office of Fair Trading (OFT) win. This is in addition to the estimated 1m or more claims that are currently on hold.

http://www.telegraph.co.uk/finance/p...oney-back.html

[Kymmy]

And the banks win

http://news.bbc.co.uk/1/hi/business/8376906.stm

Originally Posted by Kymmy

And the banks win

http://news.bbc.co.uk/1/hi/business/8376906.stm

Or not:

Originally Posted by BBC

But Lord Philips added that this was not the end of the matter as the OFT could still try to scrutinise bank charges under other parts of the regulations.
"This will not close the door on the OFT's investigations and may well not resolve the myriad cases that are currently stayed [put on hold] in which customers have challenged the relevant charges," he told the court.

The OFT is absolutely determined to get the banks for this.