Is the bank taking your Benefits ?

[MARTIN3030]

Yes I am aware about penalty charges for so called service fees and non direct debit charges.

I have successfully claimed them !!!

Theres no harm in asking a DCA to provide a breakdown of their true costs and taking them to Court too if thats what is needed.

I claimed charges that were applied after direct debits were cancelled or not paid too.....in fact I also got costs and that was just on the threat of legal action.

[InformedSearcher]

Hmm Martin3030 I never thought about that! Must count them up and go for it! Thanks for that comment as financial matters can start to escalate fast as nothing is 'free' in this world. I thought of going down the 'these banks are there to make profit' but think that could run on for a long time!

Michael

[MARTIN3030]

Telewest-£255.00

Virgin Media x 3 around £550

Swinton Insurance £116

 

The banks hardly get a look in ....Ha Ha

[MARTIN3030]

Let me know if you need any help with any of yours.

[The GodMother]

Just a question

 

If you ask a bank to set up a standing order via one of there standing order forms and they set it up wrong then send u a letter saying they are charging u for the money not being there then can u argue they are responsible for the mistake not you?

 

Oh and how likely are you to win?

[MARTIN3030]

Of course you can.

You would need to give them the usual 8 weeks to either refund the charges or else seek a final response.

If you could show enough evidence then I think just the threat of a complaint to the FOS would see them refund the charge-they know its very likely the FOS would rule in your favour.

[The GodMother]

Martin

 

You have said enough evidence would a photocopy of the form be enough evidence to say that u asked for it to go out on one date and the letter they sent be enought to say they set it up wrong?

 

I have a copy of the original form and there letter but thats it?

[MARTIN3030]

I think there could be a burden of proof needed on the delivery of your instructions to them-how did you advise of that ?

If you are certain on this then you could tell them that you will be making a subject access request which will reveal it WAS their mistake-if they KNOW it WAS their mistake,then they are quite likely to just refund it-especially if you tell them you will additionally be seeking the refund of the £10 SAR fee on top !!!

Worth a shot.

[The GodMother]

it was handed in at local branch.

 

It needs to go to a office whose address doe not get given out to the general public u see.

 

Also they should have a record of me going in as i was complaining about a letter i had just recieved as they had balls up the previous standing order to the same company. They did not put the correct amout of numbers in the account number so the transcation did not go threw. I also handed in a letter that day about the compaint as they refused to do anything about it saying computer error.

 

She said she had made a computer note explaining that i was not happy and that i expected it to be done properly this time.

 

Actually comming to think of that ther time is nearly up on that complaint.

[MARTIN3030]

Lol:D

[The GodMother]

whats so funny martin? The fact i expected it to be done properly?

[MARTIN3030]

No its important that you DO get it done by the book....

Actually it was this little bit;

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

[The GodMother]

Oh that.

It was sent ti me in a Online game i play. I thought it would make ppl laugh seems to have worked.

[citizenB]

Oh that.

It was sent ti me in a Online game i play. I thought it would make ppl laugh seems to have worked.

 

 

Yes, very funny. I have sent it on to a few people..

[summanotre]

Banks are'nt allowed to use your benefits to pay their charges??

Am I understanding this correctly?

 

I have had 2 or 3 bank accounts I have used to pay my benefits in for the last 15 years - all of them have charged me in some form or another, some charges have brought me over my overdraught limit which incurred further charges....

 

Oh, I think Im gonna be sick.................

[abbeyhater2]

I have Abbey threatening me with a default if I do not pay them the overdraft they took away and further charges.

[MARTIN3030]

You should read the whole thread Summanotre its not as clear cut or simple as it sounds.

[summanotre]

You should read the whole thread Summanotre its not as clear cut or simple as it sounds.

 

 

Believe me I have tried reading through the whole thread - but tbh I have a fairly good relationship with First Direct and my son suggested something I thought was quite useful.

 

He suggest I write to them about future charges and let passed ones slide. I dont know if I can do that. I dont consider this to be one of my major problems so Im going to take my time with it - but its a good thread (still reading it atm).

 

Thanx

[MARTIN3030]

ok no problems.

With many people the older charges are more significant since these were far higher amounts....in some cases £39.00 ...and these days only £12.00 !!!

[summanotre]

Yes, thats true - some of my older charges are extremely high - I think all the more reason for me to take my time with this one, that way if I feel I cant cope or cant be bothered I wont have risked screwing up the relationship I have with First Direct.

[MARTIN3030]

Good way of looking at it I suppose!

[summanotre]

Yes, well its usually my son who sets me off the 'think logically path'. He says things like:

 

'Well if you must take this further, have you conisered ..x..y..or z?'

 

And its usually his stress on 'if you must' that makes me take a step back and take a deep breath - so I dont go in with a flaky head!

[MARTIN3030]

Its strange how some of lifes biggest headaches can come from a couple of letters of the alphabet....yes theres X Y Z

and then theres others...TSB HBOS RBS HSBC HFC .....and a few more:rolleyes:

[summanotre]

Indeed!!

[JP08]

Hi

I have a thread open from yesterday, I have not had any advice yet on what to do next for my son. Could someone plese look at my thread and advise? http://www.consumeractiongroup.co.uk/forum/nationwide/201306-help-required-bank-charges.html#post2191149

 

They seem to have ignored the social security act, have said that hardship cannot be considered as on the running of the account they can see that regular deposits were credited (past tense)? His jobseekers goes in to a different account. All of the amount overdrawn is bank charges and he does not have an overdraft facility. The amount was just £20 overdrawn and went up to £297 with charges added on. £100 was paid in to his account by his sister, because she was scared for him.

Any help on what to say in my complaint would be great

Thanks

JP08