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hi there everyone this is all new to me , when my bank charged me for going over my overdraft limit i used to just except the fact that i had to pay these charges just like everyone else, i have recently had to give my job up due to being a single parent an money is tight as i have to rely on what the goverment says you can live on so this gets put into my bank account but gets eaten up with all the charges i keep getting from 12th march to 23rd march i have ended up with £230 bank charges i haven;t seen any money for weeks because of this an everyday when the post comes i dread opening the letters from halifax bank , can someone please advice me an if i could get my bank charges refunded i realy dont no where i stand. many thanx fancypantsjules:oops:

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Hi and welcome.

 

Yes you can claim back your charges. Read some of the FAQ and step by step instructions first to get you started.

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/53182-cant-find-what-youre.html

 

Good Luck and just holler if you need help

Lloyds TSB (C.Acc) **WON - Fully Settled**

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MBNA Credit Card - £791.52 - N1 Filed

Capital One - £746.67 - N1 Filed -** Settlement awaited **

Halifax Credit Card - £836.12 - N1 Filed

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My Wife:

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Guest Niklowe

Welcome fancy,

 

You've come to the right place to get back your charges.

 

Just read the FAQ's and have a look in the forum for your bank and read the experiences others have had. Above all don't rush in without plenty of reading. When you are happy start a new thread in that section and away you go. There is lots of people to help you, but don't forget this is a very much a self help site

 

Have a look through these links

 

http://www.consumeractiongroup.c o....se-read-these/

Example Step-By-Step Instructions

-------*** How to make posts ***------- PLEASE DO NOT POST YOUR ACCOUNT NUMBERS

 

Good luck but you won't need it

 

 

If you found it helpful please click my scales (on the left).

Any advice offered is my own opinion and if you are unsure always seek further advice.

__________________

Nik

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  • 2 weeks later...

Hi i dont no if ive done this new thread right or not ! I have had alot of bank charges over the past couple of months an as a single parent who has to rely on what the state say you have to live on , well my bank was taking all of it so i sent my first letter off on march 23 to Trinty house but then realised that i hadnt included the fee . so going to post the letter off again with a cheque this time . has anyone got any help they can offer me ,ive looked through the other threads an got some tips from them . :)

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Hi Fancypantsjules

And welcome aboard.

There is a lot of information on this site so take your time and spend a couple of days reading as much as you can.

Here are a couple of links to get you started and I suggest you always keep them to hand.

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

This might also be of interest so read it carefully:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/42170-right-appropriation-stop-bank.html

When you are comfortable start a thread "XXXX v Bank Name here" in the relevant bank forum as then people with specific experience of this bank can offer support and advice.

There is a lot of information to take in here so if unsure it is always best to Ask first.

If you need a quick answer to a question you could always try the chatroom as there are usually some very helpful people in there.

Very best of luck

BB

Any advise offered is my own opinion, and if in doubt, always seek clarification.

[

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Hello and welcome Fancy,

 

Take your time to read up as much as you can before making your claim. Everthing you need to reclaim your cash is here, just takes some time to get your head around. Have a look in your banks forum, read a few threads then start one yourself, there's always someone in the same boat as you willing to help you out. Read all the F.A.Q.s and Step-By-Step Instructions. It takes a while to take everthing in but if you follow the tried and tested methods on this site you will get your cash back. Don't be afraid to ask some questions as mistakes can be costly.

 

Best wishes with your claim.

 

Regards.

 

Scott.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanx guys i have just rung the bank an requested a complete run down of charges since i opened the account the lady on the phone was very helpful an even went to seek mor info from her manager she even said that it took three parts to claim the money back not sure if her manager would be pleased to hear her saying that bless her

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Hi there, just found your thread from your post on sea-sidelady's thread. Now the letter you said you sent in post 1, was it your SAR? I know some of the halifax staff are really helpful but please always back yourself up by sending the correct letters recorded, that way you won't get your claim delayed. In post 2 above take time out to read the links especially the Right of Appropriation letter - it will be very helpful to you to stop the bank from taking your money that the state pay in. Just post on this thread if you need help.

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Welcome to the site.

I am sending you a pm to help you to deal with the bank taking your money.

Try not to worry....you are on the way to turning the tables and getting your money back

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hello everyone, I'm new and I am in the process of reclaiming my bank charges. Now there's the problem! Some are Overdraft Fees (usually coupled with) an Excess Overdraft Fee (£25 Overdraft fee plus £124 Excess Overdraft fee), even though each statement shows my overdraft limit is £1,000 I've not been anywhere near that limit. And what about Renewal Fee which they take every year in February - is this reclaimable?

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hi thanx for all the help it was the sar i requested i have changed my bank to where my money is paid into but my halifax account is still open an charges still getting higher but at least i can actually spend some money on my daughter instead of the bank getting it it feels funny having money in my pocket cos i got used to having nothing x i will keep you all informed thanx again your all a big help xxxxxxxx:) :) :)

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Good move in opening another account, you are now on your way to getting your charges back, don't forget you can keep adding all the charges up until you file court action.

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  • 4 months later...

hi if you want to reclaim your bank charges i highly reconmend you do it throught the financial ombudsman just call them and log a complaint that you think your bank charges are unfair i have recently done this and got back £7482 in charges without all the hassle of court and there say is final so the bank cant back out and its only taken about 3 mths half the time of going through the courts hope you get it back

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  • 4 months later...

hello... i have joined this forum tonight as a result of two separate charges of £62 for overspending by £9.98 one one occasion and £8.89 on another!

£124 charge for approx. £18 seems more than extravagant?

 

Also, can i include more than one account on a SAR letter?:mad:

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