drax
Member
Registered: 5th Feb 05
Location: Sittingbourne, Kent
User status: Offline
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I need to do this I think, or at least phone them up as i get a £6.50 charge on my account every month, no idea why??
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Chris Bingham
Member
Registered: 30th Mar 02
Location: In Scotland
User status: Offline
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I love folk that claim back their charges - perhaps if they didn't spend more money than they actually had in the first place they wouldn't need to go to the bother of claiming it back.
If you do claim it back, I wouldn't expect your bank to wish to retain you as a customer. I'd also expect in a few years that everyone will need to pay for a Bank Account
[Edited on 20-03-2007 by Chris Bingham]
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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quote:
Originally posted by Chris Bingham
I love folk that claim back their charges - perhaps if they didn't spend more money than they actually had in the first place they wouldn't need to go to the bother of claiming it back.
If you do claim it back, I wouldn't expect your bank to wish to retain you as a customer. I'd also expect in a few years that everyone will need to pay for a Bank Account
[Edited on 20-03-2007 by Chris Bingham]
And love folk who seem to think that being on that high horse is perfectly fine.
The fact that bank charges are above what it costs in admin fees when someone is charged (avg. about £5) means that they are penalty charges, which is illegal. So should be claimed back.
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Chris Bingham
Member
Registered: 30th Mar 02
Location: In Scotland
User status: Offline
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Why am I on my high horse? Everyone sees banks as being in the wrong - Simple matter is that if you spend more than you have, or don't pay your debts then you get punished.
Now, do you think it is more or less sensible to have a lower penalty rate to discourage people from spending money they don't have?
Discuss.
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Tommy L
Member
Registered: 21st Aug 06
Location: Northampton Drives: Audi wagon
User status: Offline
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quote:
Originally posted by Chris Bingham
I love folk that claim back their charges - perhaps if they didn't spend more money than they actually had in the first place they wouldn't need to go to the bother of claiming it back.
If you do claim it back, I wouldn't expect your bank to wish to retain you as a customer. I'd also expect in a few years that everyone will need to pay for a Bank Account
[Edited on 20-03-2007 by Chris Bingham]
so i you are saying that I shouldn't claim back £30 because I went overdrawn by a massive 50p which wasn't my fault as a DD came out a day early  
get back on your high horse and ride on 
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Chris Bingham
Member
Registered: 30th Mar 02
Location: In Scotland
User status: Offline
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Bad money management on your half. Not the banks fault.
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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it doesnt matter if you think its wrong or right.
Penalty charges are ILLEGAL, in other words they CANNOT take them off you. Regardless of if you think they are a deterrant or whatever. Id have no problem with banks charging the cost to cover admin charge, which is legal, but why should I give them money which they have illegally taken.
And I know some people have abused the banking system in the past, and those should be taken care of in some way. But there are a lot of people, like me, who may have gone a few quid at most over and still been charged £38.
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Chris Bingham
Member
Registered: 30th Mar 02
Location: In Scotland
User status: Offline
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Fair point actually, it shouldn't really be a detterant. I take your point there.
But....if you know what the penalty is for doing it, and you still did it then you can't really expect much else.
A few quid overdrawn here and there, may sound menial but where do you draw the line? Like 32mph is over the 30mph limit but you'll still get done for it.
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Cosmo
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Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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yes I know that, and like I said I have no problem with having to pay the £4 or £5 to cover admin fees if I happened to go over (which was never on purpose and normally over a few quid WHILST I was waiting for a cheque to clear into my account - so the money was there).
But I dont agree witht he £30+ charges so dont see why people shouldnt claim them back.
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mav
Member
Registered: 19th Jun 01
Location: Scotland
User status: Offline
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quote:
Originally posted by Cosmo
yes I know that, and like I said I have no problem with having to pay the £4 or £5 to cover admin fees if I happened to go over (which was never on purpose and normally over a few quid WHILST I was waiting for a cheque to clear into my account - so the money was there).
But I dont agree witht he £30+ charges so dont see why people shouldnt claim them back.
nail on head hit........
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dave17
Member
Registered: 3rd Sep 02
Location: Greater London
User status: Offline
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Barclays only let me check my statements online upto Jan 2007 
I need some money
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Tommy L
Member
Registered: 21st Aug 06
Location: Northampton Drives: Audi wagon
User status: Offline
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dave i'm with barclays and what you need to do to get all your statements is to write to your branch with a letter to the data controller and request your bank statements 
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Tommy
Member
Registered: 24th Aug 00
Location: Essex, Colchester
User status: Offline
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Well my bank NatWest actually rang me to say they will refund my charges for me if i wanted.
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Teddy
Member
Registered: 19th Jul 04
Location: Northampton Drives: VW Bora 1.9TDi pd130
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Has anyone had their bank accounts closed as a result of this?
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K2 GTi
Member
Registered: 21st Oct 04
User status: Offline
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quote:
Originally posted by Cosmo
did you send the one from the BBC site? Stating you want a full refund within 2 weeks and send it recorded delivery?
yes
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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should just threaten them with going to small claims, only costs a tiny amount and is worth it as you tend to get nearer the full amount.
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Jamie
Member
Registered: 1st Apr 02
Location: Aberdeen
User status: Offline
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My mate managed to get £3500 while his brother got £2000
Insane
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Steve
Premium Member
Registered: 30th Mar 02
Location: Worcestershire Drives: Defender
User status: Offline
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quote:
Originally posted by Chris Bingham
Why am I on my high horse? Everyone sees banks as being in the wrong - Simple matter is that if you spend more than you have, or don't pay your debts then you get punished.
Now, do you think it is more or less sensible to have a lower penalty rate to discourage people from spending money they don't have?
Discuss.
no, simple matter is, the banks are in the wrong
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stubs
Member
Registered: 30th Jun 02
Location: Bolton
User status: Offline
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Has anyone claimed back charges from RBS?
I've obtained a copy of all my statements going back 6yrs, and due to complete ignorance & stupidity up until about 2/3 years ago, it works out I've been charged into the £k's
Various stories report that banks are offering only half of the money back, is this normal to expect if I go ahead & submit a claim? Is it worth pursuing the full amount if they make such an offer?
How much would I actually be entitled to claim back? I understand that from a £30 charge, it may actually have cost them £4.50 in admin fee's - does that mean I'm entitled to only £25.50? or should I still claim for & expect to recieve the full £30?
I've photocopied all the pages of my statements tat contain charges, and highlighted each charge. I've also compiled a list of them including dates. Can someone suggest the best letter to use, based on experience of success?
Also, I found some information on a money website (this one) which states you can also claim back the interest.. what's the deal with this? Is it worth trying? Or would it more likely jeapordise/prolong the process?
Any advice would be great.. I've more or less got everything ready to post out on Monday morning
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