reclaiming high bank charges

[b0t13]

Ive just been charged £38 for a direct debit that has bounced from not evough funds, ive read that this charge is too high and illegal, anyone know how to reclaim it as i cnt afford to pay out £38 to a fucking bank!

rep will be given for useful advice

Cheers

[Quick]

Try http://www.thisismoney.co.uk/bankcharges

[Peejous]

Reclaiming bank charges is currently going through the courts atm as to whether or not you can actually do it. Im currently in the process of claiming back roughly 1 grand in totalled charges and interrest.
There is a website ill find it for you.

[Peejous]

As above adress that "Quick" put also I used this one:
Moneysavingexpert (http://www.moneysavingexpert.com/reclaim/bank-charges)

[-Jason-]

But can you actually claim while its in the courts and how long will it be there?

[Clouds_mate]

If its 1 charge it wont go throught he courts like said above.

If its the first time, call up the bank and say its a general mistake. Like i said if its the first time they will recredit your account.

[Japman]

we get this all the time

You will have to pay it

[Peejous]

But can you actually claim while its in the courts and how long will it be there?

You can put the claim forward yes by all means, some times they'll offer you a small bit of what you think your owed.
Say if your claiming £1000 (in my case ish)
They offered me £400

Now I could either accept that money and just leave the £600 (once you accept it you cant claim the rest)
OR
Say no ill wait till the test case result etc. which could either mean ill get my £1000 plus a few extra charges ;) OR nothing

Bit of a gamble tbh (which i took)

[Clouds_mate]

Isnt he on about 1 charge here?

[Peejous]

Isnt he on about 1 charge here?

Oops yes.... lol

One charge = go into bank, say your not happy, always in the black etc. (have you got an agreed overdraft?) demand refund of charges.

[Pat_Vts]

my dad had this a few months ago now, reclaimed 3grand or so... and the bank offered a settlement but he went all the way to the end, hes got the website on his laptop not sure what it is but you defiently can reclaim those charges:)

[Lozza_vtr]

Leckie is correct, give them a ring and speak to them, you can get that refunded.

[Sparco_Tom]

when im back in the black with my bank im going to try reclaim what would be a grand plus in charges even if i get a fraction of that i will be happy

[b0t13]

well i went to the bank today(natwest) and they said that they only refund charges thats the fault of the bank, so because it wasnt the banks problem they wont refund it, she was being a bitch about it, any other methods of getting the money back?

[josh1989]

all i know/believe is that because they are going through courts still they can still charge however much they want, count yourself lucky, my bank tried to charge me £15 a day for being o.d that's not a nice prospect when you don't get paid for 14 days!

[b0t13]

i dont count myself lucky lol, ive lost out on £38 for no reason i wouldnt be arsed if thats what it actually cost them but there basically taking the piss and making millions from people all over the country.

[josh1989]

i dont count myself lucky lol, ive lost out on £38 for no reason i wouldnt be arsed if thats what it actually cost them but there basically taking the piss and making millions from people all over the country.

it really does especially when you realise what they charge is meant to be for. since when did it cost someone £38 to click some buttons on their computer!

[Jules]

This happend to me today for 21p!!!

I called them (RBS) and they refunded the charge

[josh1989]

nice for you the £60 tsb took off me by accident instead of john southworth they expect to be re-embursed within 6 months, yes i am leaving the twats

[boz]

if its the first charge

do this

send them a letter, as if it has come from a company with a header etc.

just say thanks for making me aware that my account will be charged. i can assure that i will take caution in the future to stop this happening again.

due to work commiments, i have had to ask for this letter to be compossed and forwarded to you.
the admin charge for this letter is ......(the same as the bank charge) please credit .................(your account details).

my dad and i have done this on a few occasions and they have to pay you.

they have credited my account before, no probs. just dont take the piss with the amount lol

after all, its only for admin charges.
;)

i found out from a local radio show once years ago lol

[baker556]

hear this alot in my finance

to resolve it which i have looked at time and time again just send the bank a letter saying why has it been done blah blah and just mention the fact you will take them to court they will then refund it to you usually ive heard this many a times and some cases which go over a grand can be delt with, with one single letter.

Just mention why it happened ask them why you have been charged so much and if nothing is done in 31 days say you will take them to court they will most likely refund the money ..... also helped out a friends mum this way got all the money back :A: good luck !