Bank of Mum taking on the Big Boys

[MJay69]

Hi to all!

Encouraged by the message that I've never posted, this is a "Hello".

 

I have started the process of reclaiming charges on behalf of my son. A thirtysomething workaholic who has seen his good money eaten by his lousey bank for years, he is sceptical about getting anything back!! The first step has been successful i.e. his bank did exceed the 40 days but has now sent details of his charges...... WoW!! It is a great pity that only six years can be reclaimed as his serious charges well pre-date that time and he has been running his account in reasonable order for the last two years..... Anyway, nothing ventured nothing gained!! Will keep you posted. Mary

[welly]

Hi Mary

 

Have a good read round the forums and the FAQ's and step-by-step guild and ask anything you need in your own thread on the forum for your sons bank and help will be there.

 

Get your son to read as well and Im sure he will get more Involved when he see's how many have reclaimed the right! 1499 so far and just under £1.4 million claimed back:).

 

Welly:)

[dave]

Have a read of the FAQs - it may not be just the last 6 years.

[MJay69]

Thanks for the advice welly, indeed I will (and have done some already.......) read around the Forums and FAQs. I looked at the spreadsheets earlier and puzzeled over some of the heading / entries but hope it will become clearer after further reading....... Gulp!

 

Dave, really intrigued in what you hinted at....... More than six years? Interesting, the bank have provided records further back (as requested) but seem to have offered more / different info for the past six years...... I haven't seen the docs yet as my son is on (very long) night shift and will drop them in tomorrow. He has started to have some hope (...expectation....faith...??) and has added up at least £2500 in last six years!!! He is in his own first home and largely a single parent, this would be a Godsend for him......

 

I would welcome any information you can give........ Come back to me, good buddy.

 

Cheers

 

Mary

[welly]

Hi Mary

 

Have a look at this it's to do with claiming more than 6 years and what Dave was on about:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/3805-can-i-claim-back.html

 

Welly:)

[MJay69]

Mornin' Welly!

I have followed your link (thanks for that) and indeed, it does look possible....... When I requested the statements, I asked for them to be from when the account was opened and in my ignorance of the s32 caveat said nothing to suggest a longer claim..... good luck rather than good judgement, eh?

 

Andy will bring his statements later today....... Cannot wait to get started!

 

Thanks for your help......... It's nice not to be alone in this!!

 

Cheers

 

Mary

[welly]

Hi Mary

 

No problem and Ive found all the info on this fantastic site and thats all down to the pep's behind it and good luck and keep us updated.

 

On this site you are never alone and help is never far away:)

 

Welly;)

[MJay69]

Hmmmm....... Now don't know where to post this.........? Sorry if I've got it wrong. When I look at the entries on the sample spreadsheet, none of what I'm seeing in my son's account seems to fit.......... Maybe he isn't entitled afterall........ His fees (approx. £1000+ in six years) come mainly from exceeding his overdraft and sometimes from 'bounced' direct debits........ On some occassions the debit hits the bank the day before pay day. They bounce it then charge him between £30 - £60 for the priveledge. Sometimes this is three debits on one date and adds up to circa £90 for bouncing things on one day!!

 

BUT......... HE IS OVER HIS OVERDRAFT ON ALL OF THESE.

 

Does the law still apply?

 

Hoping for advice.

 

Mary

[welly]

Hi Mary

 

What bank is your son with and all the fee's Exceeding O/D and bounced DD's are all UNLAWFUL and can be claimed.

 

As for the spreed sheet the Bounced DD would be the UNPAID DD CHARGE

 

And the exceeding O/D you could just put Ex O/D?! As long as the court and the bank can understand it and its clear then I cant see whats the prob.

 

Maybe best to start a thread in your sons bank forum and PM a site helper or mod and ask them this as well.

 

Welly:)

[MJay69]

You Welly

Thanks for that, good buddy....... lost a little hearts when looking into more depth...... He banks with LLoyds but has been with the bank since Dick docked and joined when it was TSB. Will go to that Forum and have a read.

Night night and thanks again.

Mary

[welly]

No problem mary:) and nite;)