Am I eligible?

[lulan7]

I was just wondering if I am eligible to try and reclaim my bank charges. Over the past 2 and a half years I have worked out that my bank has charged me £2300 in overdraft fees and returned direct debit charges. This month alone they have charged me 5 x £37.50!

Any advice much appreciated. :-?

[mrsfoot]

I suggest you start at the beginning and read the FAQs. If youy have had charges which are penalties then these can be claimed, however before you do anything you must read up on the process and understand what it is you are about to take on!

[Guest louis wu]

Hi lulan and welcome

 

The quick answer is YES, take action to reclaim your charges.

 

The longer answer is, dont rush into it. Read all the FAQ's, and look at the HFC forum to get a feel of what other people have done/come up against.

 

The real advice is learn what the process involve, know exactly WHAT you are doing and WHY you are doing it.

 

It is an absolute disgrace that you have a so called 'debt' that is made up of charges. You will get all the info and advice you need, and remember, we are all in a very similar postion with you. Take a moment to look at the success stories, as these will help to give you an extra bit of confidence.

 

I suggest after having a good read/look round, you start a thread in the section of whatever bank you will be claiming against and keep us posted.

 

Best of luck

[Guest louis wu]

lol, beat me to it Mrsfoot

[bitingback]

Hi Lulan,

 

Hate to give quick answers but Yes you can claim back charges for the last 6 years.

 

First thing to do is take your time, readas much as you can and then some more, there is a lot of infotmation here so take a couple of days to become familiar with it and the layout.

 

Couple of links you should keep at hand are:

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/24031-frequently-asked-questions.html

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Once you are comfortabe start a thread in the forum of the bank you are claiming against, this will allow people who have specific experience of this bank to help you out.

 

If unsure ask, there are lots of very helpful people and if you need a quick answer try the chatroom as there are usually some people ready to help.

 

Best of Luck

 

BB

[lulan7]

Thanks guys.

 

I have started reading up already as I don't want to rush in and not be 100% sure of what I'm doing!

 

I feel so frustrated that it is their charges that make me overdrawn and then they charge me for being overdrawn which makes me overdrawn again - it's a vicious circle!

 

I appreciate your comments, thanks again.