Bank Charges

[magicroundabout]

Having read several articles regarding Banks over charging on there fees etc i took a look into it www.penaltycharges.co.uk

and have found out i can claim back money wich Barclays have unlawfully taken from me for the last 6 years.

They charge me up to a maximum of £90 (3 x £30 max) each month for going over my overdraft when really they are only allowed to claim £7.50 (3 x £2.50 max)

spread this over the 6 years, they owe me a shit load + interest.

so i'm gonna start the ball rolling and see what happens

[Leggett]

i'm in the same position fella, my dad sent me a website the other day full of tips to help you get the money back, i'll dig it out in a bit...

[Leggett]

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632, have a gander through that fella. should be of help

[magicroundabout]

i've always argued with Barclays that how is adding £90 to my account gonna help me?

quite a few times they have charged me £90 when in total over 3 seperate occasions i've only gone over my overdraft by £20.

i'll get the fuckers :twisted:

[STFCBird]

I have looked into this also, I have had terrible problems with debt and my bloody bank.  I get so mad, but I haven't the bottle to go through with it I don't think. Although I know that I should!  cunts.

[magicroundabout]

do it birdy.

i've just signed my DPA letter to request 6 years of bank statements.
costs me £10 for this but apparently you can claim it back also.

if they don't settle before you summon a court hearing you can add 8% interest to this aswell.

it takes a while but will be well worth getting a few £k back in my bank.

[juddie]

do it do it do it. My mate has just claimed back more than £2,000 from charges incurrred over the last six years.

[magicroundabout]

do it do it do it. My mate has just claimed back more than £2,000 from charges incurrred over the last six years.

do you know how long it took from start to finish??

[juddie]

not long at all. He had his initial letter rebuffed, but then took them to a small claims court. It cost about 70 quid but he got that back too. Took about a month. He's doing mine for me, reckon I'm owed about 600 quid, which would come in handy in Jan!

[magicroundabout]

looking back at mine i have a feeling i'm owed 3 years @ £90pm
spread over the 6 years.

will come in handy if i'm right

[SwindonTartanArmy]

Hahahahaha Im am going to make a mint off of Abbey!

[caveman]

i got £3500 from hsbc last week... claim took 2 months all in

[Arriba]

this issue doesn't effect me but people have nothing to lose by making a claim.go for it and give the fat cat banks a bloody nose

[Barry Scott]

do it birdy.

i've just signed my DPA letter to request 6 years of bank statements.
costs me £10 for this but apparently you can claim it back also.

if they don't settle before you summon a court hearing you can add 8% interest to this aswell.

it takes a while but will be well worth getting a few £k back in my bank.

Ask for the full Subject Access Request. It's still £10, which is legally the maximum they can charge. State you want all information they hold on file for you.

Once you've calculated the amount you are owed, state you want them to justify the charges in a letter. Then take them to court.

If the bank does end up in court and they some how manage to explain their charges, this will open the flood gates to claims, hence the out of court settlements and paying what is asked without arguement.

They merely play delay tactics, they will always pay out in full, as no bank will ever attempt to justify their charges.

But you probably know this now.

[Ralphy]

I reckon i must be owed abit from a few years back when i went overdrawn quite alot.