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hi everyone,

my name is george and I have just joined the site,and eager to ask my first question,probably a question that everyone asks,are the banks breaking the law by over charging,I sent away for a brochure from a company that gets your money back from the overcharging banks but you have to go back six years and be over a certain ammount as they charge a percentage,now I was told by them that the ombustman had past a rule to say that banks are breaking the law by over charging and should only charge what it would be to handle the item ie arround £3.25 per item and not £30 to £40 pound,but when confronted the bank they said this law has not been passed as of yet,are they telling the truth or is it just a ploy on there part to keep this charge,but if so how can other companys manage to get your money back from the banks if it was not true that they are breaking the law,,,,at the moment we have just incurred a penalty of £39 from the bank of scotland is this legal,,,eagerly await a reply,,,and once again hi everyone thanks alot george.:rolleyes:

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Welcome to the site.Penalty charges are unlawful and they have so far refused to provide figures which show their charges are in proportion to their costs.

Oft guidelines are just that and nothing has been set in stone.Read the claims procedure on this site and get an understanding

No need to pay anyone to do it for you.......and least of all to listen to the banks defence !!!

Everything you need to do it yourself is here....including help and advice from those who have already done it ..and those in the process.

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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Hi Bullseye,

Welcome to the forum.


Please take time to read the faq's

Please find your banks forum and start a thread;

(your user name) V (banks name)

use the template letters in order Stick to the timetable in there.




Templates Library....

If you have charges going back further than six years read in here;


There is also live chat, visit if you need any quick advice.


Finally good Luck.



If my advice helps please tip the scales, left.

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