Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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how the hell have people got charges for over £1k?
I thought mine was alot of £400, but 1k, @ £28 a time, is 1 a month for 3 years nearly 
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shawboy
Member
Registered: 1st Jul 02
Location: Wombwell, Barnsley
User status: Offline
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you can claim upto 6 years ago as well.
was on bbc news this morning.
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d128mat
Member
Registered: 8th Jan 06
User status: Offline
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well i had a cheque bounce last week because the account was 38pence short
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Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
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quote:
Originally posted by d128mat
well i had a cheque bounce last week because the account was 38pence short
It's stuff like this that makes me laugh. £30 charge for 38p.
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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Dean was it you that sent me that letter format?
If it was i sent it off and got charges refunded
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Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
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It was me!
Glad you got it sorted.
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--Dave--
Banned
Registered: 17th Feb 04
Location: Essssseeeeex Drives: Black Supra TT
User status: Offline
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I'd need to go through all my statements and pick out that charges 
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Thoday
Member
Registered: 12th Jan 03
Location: Drove kitted corsa b now standard corcs c exclusiv
User status: Offline
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I cannot believe the incompetence and lazyness of some people not to manage a simple bank account.
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d128mat
Member
Registered: 8th Jan 06
User status: Offline
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ok ive sent of a form do they write back, phone or will they just deposit the money
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Xs
Member
Registered: 12th Apr 02
Location: Lanarkshire
User status: Offline
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Damn, I put all my statements in the bin!! Can you request the statements from the past say 4-5 years? I must be owed a bit as one time i got fined and then got fined for the fine as there was no money to pay either of them!! How rubbish is that!
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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You can, however they may whack a £10 'admin' charge on you for doing it
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Welsh Dan
Member
Registered: 23rd Mar 00
User status: Offline
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I got £1500 back from 6 years worth of charges over 3 accounts (I was a skint pikey student  )
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d128mat
Member
Registered: 8th Jan 06
User status: Offline
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how did they get intouch with you to refund the money???
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Stu_22
Member
Registered: 25th Mar 02
Location: Luton
User status: Offline
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I ve just done this with HSBC claiming £150 incuded the statments and highlighted the charges. They wrote back saying they need to know when the charges were made and how much.
Bloody useless bank
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Tom
Member
Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
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I have checked mine it works out as a projected £2200 for 6 years.
Printed half off and sorted letter it's going in post tomorrow 
New car on the cards early if I get this 
Glad i've waited til after the horrible month of january tbh.
[Edited on 08-02-2007 by Tom]
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Jamie Walby
Member
Registered: 15th Nov 04
User status: Offline
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quote:
Originally posted by Corsa E-Tec
i got back £400 from all the times i had gone overdrwn, you can also claim charges for cheques bouncing.
[Edited on 12-12-2006 by Corsa E-Tec]
Does this mean you could withdraw all your money from your account, write out a load of cheques, when they bounce claim the money back
Im sure theres more to it than that but.......
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EarlofBarnet
Member
Registered: 26th Mar 04
Location: West Cumbria
User status: Offline
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One of my mates got £750 back from HSBC. He got another £100 worth of charges between sending the two letters off though, muppet.
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d128mat
Member
Registered: 8th Jan 06
User status: Offline
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just had a letter from lloyds saying there charges are acceptable as they have to make a decision there and then whether to let me go overdrawn and charge me or cancel the payment and charge me...
says ican get in contact again before the 4/4/07 so i think im going tell them ill close the account
has anyone else had this type of letter through???
or got any advice??
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Dean_W
Member
Registered: 13th Dec 05
Location: Downham Market, Norfolk
User status: Offline
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So what they are basically saying is they make a decision which has the same outcome. So you get charged either way.
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d128mat
Member
Registered: 8th Jan 06
User status: Offline
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yes thats what i thought?????
any suggestions on my next move??
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Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
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http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,
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d128mat
Member
Registered: 8th Jan 06
User status: Offline
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seems alot of people have trouble with lloyds paying up?
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Jamie Walby
Member
Registered: 15th Nov 04
User status: Offline
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I dont agree with all this claiming back charges for going over drawn/cheques bouncing etc. If the above happen then you are spending money you dont have so why not be punished for it.
If you cant afford something, dont buy it. Live to your means.
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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the question is how much your charged.
Your not allowed to impose penalty charges, thats illegal, they are only allowed to charge you to cover their extra costs...which isnt £40 or whatever!
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Jamie Walby
Member
Registered: 15th Nov 04
User status: Offline
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Even so. Stop spending money you dont have
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