munchkins mum V Halifax

[lil_munchkins_mum]

Hi, i'm new to the forum and would like to reclaim charges (mostly unauthorised overdraft fees that were on occasions £90 worth-due to being charges per item over overdraft, and i was also charges £30 for going 88p over last year. i think there is quite a sum to come back from these inflated charges, but im a little hesitant. my friend got his charges back but had to close his account, and i was wondering if anyone could tell me wether it would affect the mortgage or secured loans i also have with halifax, or are those separate entities? i think i may also reclaim on both my and my husbands lloyds accounts and c/c, and was wondering also if the same principles for achieving rebates applied for store cards-namely argos?#

thanks for your help, very much appreciated!

 

Munchkins mum

[hagenuk]

Your mortgage and secured loan will be entirely separate account contracts and should not be affected by your claiming back unlawful charges. However, you should be aware that if you are in arrears, it may be wise to clear that up if possible.

 

Regarding store cards, the principle is identical, so you should make claims there too.

[maroondevo52]

Hi,

 

Yes you can get your charges back from store cards ect, I got £120 from Ikea . There is a letter for store/credit cards in the Bank Templates Library.

 

Regards.

 

Scott.

[lil_munchkins_mum]

wow thanks for the quick responses! our mortgages and secured loans have never been late-wouldnt want to put my house at risk, so they get paid first! at one point my husband's c/c-natwest allowed to go about £150

over its limit (he didnt know til he got charges on charges on charges) they wouldnt help when we asked for help, as we could only afford the monthly payment not another 150 on top so even though we'd paid we were still charged for a few months-the charges only stopped because we took a secured loan to pay off some of our debts and stop charges and reduce our monthly payments. as for argos, we've probably paid in charges over the last 5 1/2 years what the balance left is! as for halifax (spit!) the 'help' they gave us when we said we couldnt afford all the charges a couple of times was to increase our overdraft-probably about £300 of the £650 was taken out due to charges, and we were told that there was nothing we could do about the charges, we just had to pay them else we would get more charges. talk about bing between a rock and a hard place!

 

munchkins mum