Bank charges claim

[sick of it all]

Hi there,

My partner has been trying to claim back around 500 much needed pounds, from HBOS, in bank charges.

Thier last letter was that because of the court ruling they will not be paying back the fees as they are fair, even though he claimed hardship.

Anything we can do?

They took out charges, put him over and kept charging him! The origional item they took the charges out for was an unathorised withdrawl which the company in question immediately refunded but the bank won't listen. If he had known of the charge he would have made sure he had had money in but he was not aware they would be taking money out.

He even went in to the bank, angry, and paid all the charges and closed the account. The assistant assured him that was the accout closed but NO a few days later he gets a letter in saying he still owes them charges of around another £104!! and then they started charging charges on that being overdrawn! It just gets silly and they won't listen!

Any ideas? and any letter I can send to try get the charges back?

I'd appreciat any help.

thanks

[thandiboss]

Seems like since the courts ruled in favour of banks everyone on this forum has stopped replying to any question relating to the Bank Overdraft Charges. I have recently tried to get back over £2500 worth of bank charges that have occured to my account. I have had no luck as the banks are saying that the same thing you have recieved. The only other option I can think of is stating the fact that you are in Hardship, which I am. But yet I havn't been able to find anything on this forum, about Hardship.

 

I doubt very much if a bank will refund the money back to you. But no harm in trying.

 

Good Luck

[sick of it all]

Hi,

Thanks for the reply.

As nobody was answering my question on this board, I did a bit of further research online.

The hardship plea is being rejected by some banks too, but I found a template letter which has been made up after the court ruling.

I have just sent that letter away recorded delivery so I will let you know how it goes.

I found the template on Moneysavingexpert.com.

So fingers crossed!

[caro]

At the moment a lot of work is going on to try and find ways forward, but the fight isn't over yet. BF has posted some thoughts on this.

 

http://www.consumeractiongroup.co.uk/forum/general/245835-bank-charges-decision-where.html#post2748727

 

Please also sign the petition in my sig.

[sick of it all]

Hi Caro,

Just put three signatures on your petition.

What does the BF in your post stand for?

[rebel11]

Before the supreme court decision, I sent them a SAR, my bank wrote to me and said that the charges were a mistake on their part. I intend going back more then 6 years.

[caro]

Hi Caro,

Just put three signatures on your petition.

What does the BF in your post stand for?

 

Thanks for the sigs.

 

BF stands for BankFodder who is one of the founders of CAG.

[evo61]

Hi,

Thanks for the reply.

As nobody was answering my question on this board, I did a bit of further research online.

The hardship plea is being rejected by some banks too, but I found a template letter which has been made up after the court ruling.

I have just sent that letter away recorded delivery so I will let you know how it goes.

I found the template on Moneysavingexpert.com.

So fingers crossed!

 

 

Any chance you could add the link for this template??

[sick of it all]

Hi Caro,

Thanks for that.

 

Rebel11 - Thanks for the reply. what is an SAR and what good does it do in getting back bank charges?

 

Evo61 - I don't know how to link things, just go on that site, it's very easy to find the template. sorry I can't be of more help!