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I seem to remember a thread about a year back about claiming back bank charges.

I've just gone through my bank statements from august 2001 to present day and have worked out that HSBC have took £1,397 off me in overdraft fees.

Did anyone manage to claim back their money under the new laws?

my bruv got a couple of grand back.

http://news.bbc.co.uk/1/hi/business/6170209.stm

Dog's bollocks guide to how to do it.

Too late Ralphy.

You will have to wait for the OfT vs The Banks ruling now before you can get a claim settled.

http://news.bbc.co.uk/1/hi/business/6918140.stm

It shouldn't take long, but if it goes (our) way then the floodgates will open.

i'm in the trade and no you don't-so keep trying to reclaim and keep me in a job

GENERALLY they'll fob you off 1st time and refuse to give you back anything and 50% of folk accept that.if you try again, they'll offer you half of the charges.go back and ask for the full amount and most of em will pay up

btw its only unauthorised fees that are refunded e.g. your o/d limit is 100quid and you go o/d by 100quid 10p and they charge you 30quid for going only 10p o/d. it has been deemed unfair that this 30quid charge is excessive for going 10p over ya overdraft limit....if that makes sense  :?

sorry if this is eggs and sucking.....

on another note, anyway know how to change a keyboard back to english/normality as i get me '@' sign by shift & 2 rather than the one with the apostrophe and i can't find a bloody pound sign (see the word 'quid' above)

i'm in the trade and no you don't-so keep trying to reclaim and keep me in a job

GENERALLY they'll fob you off 1st time and refuse to give you back anything and 50% of folk accept that.if you try again, they'll offer you half of the charges.go back and ask for the full amount and most of em will pay up

btw its only unauthorised fees that are refunded e.g. your o/d limit is 100quid and you go o/d by 100quid 10p and they charge you 30quid for going only 10p o/d. it has been deemed unfair that this 30quid charge is excessive for going 10p over ya overdraft limit....if that makes sense  :?

sorry if this is eggs and sucking.....

on another note, anyone know how to change a keyboard back to english/normality as i get me '@' sign by shift & 2 rather than the one with the apostrophe and i can't find a bloody pound sign (see the word 'quid' above)

there's better ways of getting your post count up I suppose  :oops:

oh for fucks sake.
mine is probably days away from the judge asking my case to go to court. now i'll have to wait another few months.

I think you will be ok if you have already had your claim lodged. The OfT have had that guarantee from the banks.

your right.

i read this part wrong

So let me get this straight. I can only claim back charges where i've gone a few quid over my overdraft limit?

Some of my charges are very high. We're talking £50, £75 or even £125 a month!!!!

When i was alot younger i used to regularly go well over my overdraft.

How do i know what i can and can't claim back?

I think that what they're saying is that it's not any interest you paid that you get back, but the fees they charge you. Cheques bouncing, cashback whilst over limit sort of thing when they slap you £30.

You can only claim back within the past six years.

What your looking for on your bank Statement (who do you bank with?) is something like "Paid Refferal Fee".
These are where the banks has charged you for going over your overdraft.
Mine have totalled almost £3500 over 6 years.

Go onto www.penaltycharges.co.uk and search through there forums etc on Bank Charges.
http://www.penaltychargesforum.co.uk/forumdisplay.php?f=230

choose your bank and read through the info they have supplied.
it's all free and are extremely helpful. All formes are there for free and they help you with filing it all in correctly.

depending on the bank and the amount, be prepared to see it through to small claims though.  Some of them have dug in more recently, especially against the bigger claims, and 1 or 2 have lost.

you have to keep it under £5k (including interest) to go through small claims. the court case means that anyone making a claim (or in the process of making a claim) won't have it dealt with until the case is concluded, which could take over a year. the claims that have lost have only done so on a technicality, like wrong or insufficient paperwork being submitted.

You've got it set to US keyboard. Go Start -> Control Panel -> Regional and Language Options. Click on the Languages Tab, under "Text Services and Input Languages" press the Details... button.

Another Window should pop up, you shoule be able to tell it to have English (United Kingdom) as the input language.

I'm using an American Keyboard (fuck knows why, I think I thiefed it from somewhere), but I have my layout set to British. I'm crazy. Loads of my keys don't match up.

There isn't a "£" on an American Keyboard. Not the one I'm using anyway.

Do American keyboards only have the letters U, S and A?

I wonder why that is?

 :groan1:

they have a little 'of' beween the S and the A

Ace. Here's something crazy for you to do Ben, change your keyboard to the Dvorak layout.

No shit Mr. America. jimbob asked.

Where's that missing the point thing again????

In between the U and A key

Fuck knows. I'm in a bad mood because I've got to go to work and it's raining.

Bye everybody. Be good.

Don't throw a strop Ben! Are you worried the rain will ruin your hair? I never expected you to be so vain... :wink:

££££££££££££££££££££££££££££££££££££££££££££££@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@££££££££££££££££££££££££££££££££

cheers ben

no worries  jimbob. I'm glad I was helpful.

I was owed 800 quid and was offered 600 by Barclays. I snapped their hand off.

According to the Penalty Charges website, the whole "don't put any claims in as they won't be processed until after the trial case" is just a smokescreen by the banks to deter people from banging them in...

 :x

Claim away!

i am owed just short of £3500 (after 8% interest is added) and i've been offered £1000. obviously i told them to fuck off.

now waiting for a court date

It costs more than £30 to process an overdrawn account - they're just embarrassed at the actual cost!!

now that's a load of bollox

I can imagine it's right. There's the cost of the staff's wage, then it would involve making a change to the individuals credit report which the bank also get charged for.

wise move you could end up with nothing now. or less than that. or if you do get that it could take up to 2 years

so banks make money on interest bearing current accounts do they?

how could i end up with nothing?
and it wont take two years as claims already filed before this investigation started still have to be sorted so could take weeks rather than years

did i say that?
but they make money from adding bank charges hence the reason people are taking them to court is it not?

At risk of being controversial, are you all saying that every charge was unjustified? - surely there should be some "once bitten, twice shy" approach here ?

I have sympathy for minor exceeding of limits, but regular and sustained transgressions surely can't be justified for refunds.

If they are,well done for getting the refunds,and thanks to everyone for the eventual ending of free banking for those who are "lucky" enough to control their finances

well appologies for everyone not being able to control there money and living in a perfect world where everyone has perfect finances.

the fact the banks charge you (Barclays) a maximum of £90 in charges over a 28 day period for going £5 over your overdraft for whatever reason to me seems extremely unfair.
Because how then can you get your finances back on track when you've already received a £90 defisite(sp) before you next get paid.

time and time again i've asked Barclays for help whilst i went through money troubles yet all they said was "it's electronic and cannot be removed" or "take out a loan"
yeah cheers like that'll help

agree with that Magic. The problem is the banks aren't in it to help us they just want to make money.

Dont like banks and dont like bank charges. However they are companies and have sharehlders at the end of the day.

Bank charges may not be ethical or fair but as long as you have someone to answer to profit is important

I agree it seems extremly unfair. On the other hand, to rack up £3500 takes a lot of £90 months, so without knowing (or wanting to know) any specifics, that's what I was basing the comment on.

Further, regardless of a person's unwillingness to take out a loan (which I'd fully understand - unless it was the lesser of two evils), the interest rate incurred would be a lot less than a) overdraft rates, and b)continual racking up of even more charges.

I worked for a Bank for 18 years so have seen both sides.

I do think the charges can be excessive; but it does take a lot of work just for returning a cheque for example; the time it takes a member of staff to process it is longer than you would think.

Also; i was an account manager for a long time. And I would constantly stress to people not to issue cheques if there wasn't the money; don't set up D/D's etc as they wouldn't be paid or they would get charged.

I'm a bit 50/50 on this. I'm sure some people do have a case to claim "some" of the charges back; but some people (and a lot of higher earners) used to get absolutely clobbered every month by constantly going overdrawn. And if we increased their overdraft they would exceed that the following month.

So; those people I don't have any sympathy for. People on low incomes who couldn't get out of trouble because of the charges eating up their money i do have more sympathy for.

At the risk of sounding like a complete and utter cunt, if people didn't spend money they haven't got then you wouldn't get charged by the bank.

And how do you expect the banks to cover the cost of employing a further x hundred people to work on these claims? That's right, by charging people.

right or wrong, if someone offers you £3000 for doing basically nothing, what would you do?