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relaim bank charges


JAMESYBOYHAIL
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hi i am about to reclaim my bank charges,but there is a few things that i am unsure of.firstly can i reclaim all charges our just some,as i have a lot of service charges of 25 a month.also what could you do if they sent back alist of all your charges with some missing.can anyone help me before i start proceeding.thanks

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Hi James,

 

welcome to the forum!

 

you can only claim back 'penalty' charges, which are unlawful.

 

If they've charged you agreed 'service charges' (eg. a monthly fee for 'additions' account or whatever) then you have no right to claim these back.

 

BUT... lots of people seem to have been 'signed up' for additions accounts without their knowledge! This is very naughty of Barclays....

 

suggest you read the FAQ section, and lots of threads, if you're new to the forum, and get a good overall picture of what's going on!

 

Best of luck with your claim(s)!

 

D.;)

Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON

 

Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.

 

 

I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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to clarify, James:

 

Do you have an agreed overdraft?

Are these irregular fees the same amount each time?

 

D.:cool:

Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON

 

Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.

 

 

I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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James is this a business account or personal,

there are different guidelines for each one.

 

Personal you need to look out for the following:

UNAUTH O/D FEE

UNPAIDS OUT

PAID REFERRAL FEE.

 

These will range from £20 to the new £35.

Account Fees will prob refer to the Additions account if applied.

.

http://www.findmadeleine.com/

http://news.sky.com/skynews/madeleine

 

If I dont reply to a direct question please feel free to PM me.

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it is called a current account +,yes the irregular fees are the same each time,it used to be 22.50 now 25 i get 1 almost once a month,they tell me its because my account was overdrawn that month.i dont have a overdraft now they wouldnt renew it,and they told me i had to take a loan out to repay it unhappy with that.my bank is clydesdale scotland.

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James, I think you may be posting in the wrong forum!

 

If you're in Scotland, the rules are slightly different.

 

Have a look at the Clydesdale forum.

 

D.

Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON

 

Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.

 

 

I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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  • 2 weeks later...

Hi Dolphin, welcome to CAG!:D

 

Sounds like they've sent you a standard 'brush-off' letter. My advice is not to take too much notice. Barclays sent me one of these ages ago, and they STILL haven't followed it up.

 

Do EXACTLY what you've told them you'll do, and when. YOU are in the driving seat here, not them!

 

If you're new, I'd suggest you spend lots of time looking through:

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

where you'll find most things you need to know, then have a look at

 

http://www.consumeractiongroup.co.uk/forum/halifax-if-successes/

 

for some morale-boosting success stories.

 

Then start your own thread, and keep us company!:D

 

Best of luck with your claim,

 

D.:D

Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON

 

Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.

 

 

I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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