hi all i have just made the first step in reclaiming my bank charges back for the last 5 years, been on the penalty charges . co.uk site. it gives you all the info needed to make your claim . and best of all its free. hope it helps someone.
bank charges
- Thread starter greggy
- Start date
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martlewis
Established Member
Make sure you open an account at a different bank first!!! My mate did the same thing and first thing the bank did was to suspend his bank account and send him a cheque with his current balance. Problem he had was the other banks didn't want to touch him after he made the claim.
Good luck tho, keep us informed how it goes.
Good luck tho, keep us informed how it goes.
good for you greggy,
I have done it 3 times now. Its so easy, you will have your money back before you know it.
As for banks closing your account, I wouldn't worry, The FOS recently told a bank to pay compensation to a customer after their account was closed. It was ruled as retalitory action and against the rules.
The guys at penaltycharges.co.uk are fantastic, they will give you any advice you need. They admin work on a voluntry basis and depend on donations to keep the site running, so remember them when you win :wink:
Ps. I have nothing to do with the admin on penaltycharges.co.uk, they just helped me get back £1,000's of my money.
I have done it 3 times now. Its so easy, you will have your money back before you know it.
As for banks closing your account, I wouldn't worry, The FOS recently told a bank to pay compensation to a customer after their account was closed. It was ruled as retalitory action and against the rules.
The guys at penaltycharges.co.uk are fantastic, they will give you any advice you need. They admin work on a voluntry basis and depend on donations to keep the site running, so remember them when you win :wink:
Ps. I have nothing to do with the admin on penaltycharges.co.uk, they just helped me get back £1,000's of my money.
martlewis
Established Member
Simon, cheers for posting, I'll pass the info to my mate. He had his account closed. Might be worth seeing if he an do anything about it.
Martin
Martin
paulm
IG paulm_outdoors
On a more modest scale of fees don't forget that if you have changed your mortgage lender in the last few years and been charged admin fees or similar you can make a claim for a refund in some circumstances.
Basically if the fees increased during the life of the mortgage compared to what you were told they would be at the outset or what they were charging at the outset, you can have the difference refunded.
Early termination penalties/interest on special deals doesn't count, just admin fees.
As we have changed regularly in the past keeping up with the good deals managed to get a bit back, dead easy !
Cheers, Paul.
Basically if the fees increased during the life of the mortgage compared to what you were told they would be at the outset or what they were charging at the outset, you can have the difference refunded.
Early termination penalties/interest on special deals doesn't count, just admin fees.
As we have changed regularly in the past keeping up with the good deals managed to get a bit back, dead easy !
Cheers, Paul.
Greggy,
My claim with HBOS was the easyest of my 3 claims. They paid up within a couple of days of me filing in court. You should have no problems with them. On the other hand, my claim with GE Money took almost 9 months and they paid up. I eventually got my money 10 minutes before the court hearing!
Have fun with it. It is a great feeling to get one over on those immoral money grabbing ********.
My claim with HBOS was the easyest of my 3 claims. They paid up within a couple of days of me filing in court. You should have no problems with them. On the other hand, my claim with GE Money took almost 9 months and they paid up. I eventually got my money 10 minutes before the court hearing!
Have fun with it. It is a great feeling to get one over on those immoral money grabbing ********.
thanks simon, it was my daughter that suggested it in the first place. as i am not a computer wizz kid at 52 and just clear of debts from my divorce which has taken me 11 years, i think i can start to look forward to a normal life, and any money that comes my way will be an added bonus.
i and my daughter have just been checking my statements for the last 3 yrs and that comes to £2, 500. so it will certainly come in useful.
i and my daughter have just been checking my statements for the last 3 yrs and that comes to £2, 500. so it will certainly come in useful.
Guy
Established Member
Just wish we had similar laws here in Australia then i would be in on it too. but as we have state and federal laws it would take a wizz to find something i could use to try to recover some of my fees
Lee Brubaker
Established Member
I don't think a lot of Canadians here realize how lucky they are...especially if they are a senior such as myself. The only bank fee that I pay is the annual fee for rental of a safety deposit box which due to the size I have runs about $80.00 cdn.
Of course if you are careless you can run up fees such as using other ATM's instead of those of the bank you do business with, late payment of credit card or over-running the card's credit limit & probably more that I know nothing about.
Lee
Of course if you are careless you can run up fees such as using other ATM's instead of those of the bank you do business with, late payment of credit card or over-running the card's credit limit & probably more that I know nothing about.
Lee
hi slimjim. well up to now i havent heard owt yet off halifax, i sent them the 40 day notice( which expires on 17 june) BY LAW THEY HAVE TO SEND ME MY 6 YEARS STATEMENTS. then i work out how much they owe me, send it off to em, then wait. but i will keep you all updated. thanks. :lol:
I rang the Halifax on day 30 to remind them that they hadn't sent me my statements yet. They told me that they hadn't received my 40 day letter or postal order. After a gentle reminder that they had to supply me with what I asked for under the Data Protection Act or I would make a complaint to the Information Comissioner, they agreed to send them out, I recieved them two days later. I might be worth you doing something similar.
latest update. i just got a letter from halifax saying they do not charge for the data,and sent me a cheque for a tenner, and will forward the info within 40 days,as they have a lot of requests, (suprise suprise). thats it for now.
