Claiming bank charges back from banks....anyone into this cult activity!
07 August 2006, 09:51 PM
#1
Scooby Regular
Thread Starter
Join Date: May 2006
Location: I have ad blocked my rep - so dont waste your time!
Posts: 1,548
Likes: 0
Received 0 Likes
on
0 Posts
Claiming bank charges back from banks....anyone into this cult activity!
Had no idea this was such a big thing on the net...loads of sites dedicated to it.
Anyway, over the last 6 years i have paid one of my banks about £1,500 in excess overdraft fees, etc, etc (i ran more than one account and was just crap and lazy and checking my balances and didnt care about the odd £30 fine for going over)
About to send of my letter and hoping for a £1500 for my trouble (wife doesnt belive it'll work so said i can blow it on any old crap if i get it
new camera i think!)
Anyway, over the last 6 years i have paid one of my banks about £1,500 in excess overdraft fees, etc, etc (i ran more than one account and was just crap and lazy and checking my balances and didnt care about the odd £30 fine for going over)
About to send of my letter and hoping for a £1500 for my trouble (wife doesnt belive it'll work so said i can blow it on any old crap if i get it
new camera i think!)
07 August 2006, 09:55 PM
#2
Scooby Regular
Join Date: Jan 2002
Posts: 11,581
Likes: 0
Received 0 Likes
on
0 Posts
I complain about everything
I'm currently battling Adrian Flux for £75. They want me to pay their commission on an insurance policy I cancelled. Not a hope in hell. Financial Ombudsman here we come!
I'm currently battling Adrian Flux for £75. They want me to pay their commission on an insurance policy I cancelled. Not a hope in hell. Financial Ombudsman here we come!
07 August 2006, 09:56 PM
#3
Scooby Regular
Join Date: Jan 1999
Posts: 5,786
Likes: 0
Received 0 Likes
on
0 Posts
The only thing to be aware of now is that the banks are now sometimes closing the accounts of anyone who 'claims'. So, if you have any reason to want to maintain your account with them (would have to be a very good reason), then beware.
Other than that, good luck. Seems to work for many right now. Banks just don't want to go to court with it.
Other than that, good luck. Seems to work for many right now. Banks just don't want to go to court with it.
07 August 2006, 10:12 PM
#5
Scooby Regular
Join Date: Dec 2002
Location: Logged Out
Posts: 10,221
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by The Snug Rhino
Anyway, over the last 6 years i have paid one of my banks about £1,500 in excess overdraft fees, etc, etc (i ran more than one account and was just crap and lazy and checking my balances and didnt care about the odd £30 fine for going over)
07 August 2006, 10:14 PM
#6
Scooby Regular
iTrader: (1)
Join Date: Jun 2002
Location: Northern Ireland
Posts: 2,432
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by The Snug Rhino
Had no idea this was such a big thing on the net...loads of sites dedicated to it.
Anyway, over the last 6 years i have paid one of my banks about £1,500 in excess overdraft fees, etc, etc (i ran more than one account and was just crap and lazy and checking my balances and didnt care about the odd £30 fine for going over)
About to send of my letter and hoping for a £1500 for my trouble (wife doesnt belive it'll work so said i can blow it on any old crap if i get it new camera i think!)
Anyway, over the last 6 years i have paid one of my banks about £1,500 in excess overdraft fees, etc, etc (i ran more than one account and was just crap and lazy and checking my balances and didnt care about the odd £30 fine for going over)
About to send of my letter and hoping for a £1500 for my trouble (wife doesnt belive it'll work so said i can blow it on any old crap if i get it
new camera i think!)How are you going about this,hows your letter worded etc???
07 August 2006, 10:25 PM
#7
Scooby Regular
Join Date: Dec 2001
Posts: 4,227
Likes: 0
Received 0 Likes
on
0 Posts
You should point out that all the time you are overdrawn, you are looking after all that money and not them. Put a claim in for storage costs for all that money, basing the calculations on a particularly bulky coin. Good luck.
Trending Topics
07 August 2006, 11:03 PM
#8
Scooby Regular
Join Date: Dec 2005
Location: bath/plymouth
Posts: 548
Likes: 0
Received 0 Likes
on
0 Posts
I'll try and find a link for you. One of the people that started this is local to me. He was the one on the channel 5 news about it. It does work and the reason the banks pay out is because of the possible implications of it going to court and them loosing. If this happened they would have to pay back every charge they have made! Not a good precedent. So as long as the number of people claiming remains realtively small, they are willing to pay out!
08 August 2006, 12:50 AM
#10
Scooby Regular
Thread Starter
Join Date: May 2006
Location: I have ad blocked my rep - so dont waste your time!
Posts: 1,548
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by Spoon
Perhaps you should use that on your literature when attempting to secure customers wanting you to give them financial advice.
lol....my clients arent the sort of people that have overdrafts
08 August 2006, 12:57 AM
#11
Scooby Regular
Thread Starter
Join Date: May 2006
Location: I have ad blocked my rep - so dont waste your time!
Posts: 1,548
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by SteveScooby
yep - thats where i started.
08 August 2006, 08:16 AM
#12
Scooby Regular
Join Date: Mar 2000
Location: Weston Super Mare, Somerset.
Posts: 14,102
Likes: 0
Received 0 Likes
on
0 Posts
An old pal came to lunch on Sunday and said he was claiming back money for late payment charges on credit cards using Freedom of Information Act and OFT ruling. I joked and said he didn't stand a snowball's and he said he had just got a cheque for £800 from one company and was waiting for others. dl
08 August 2006, 10:06 AM
#13
Scooby Regular
Thread Starter
Join Date: May 2006
Location: I have ad blocked my rep - so dont waste your time!
Posts: 1,548
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by David Lock
An old pal came to lunch on Sunday and said he was claiming back money for late payment charges on credit cards using Freedom of Information Act and OFT ruling. I joked and said he didn't stand a snowball's and he said he had just got a cheque for £800 from one company and was waiting for others. dl
08 August 2006, 10:29 AM
#14
Scooby Regular
Join Date: Mar 2000
Location: Weston Super Mare, Somerset.
Posts: 14,102
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by The Snug Rhino
The OFT thing is funny.....first direct told me £5 per statment to get old copies to add up my charges, i wrote to them with a template letter about freddom of info and 5 days later they posted me 6 years of statements free of charge
dl
08 August 2006, 10:36 AM
#15
Scooby Regular
Thread Starter
Join Date: May 2006
Location: I have ad blocked my rep - so dont waste your time!
Posts: 1,548
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by David Lock
My pal's gone on his hols so I can't ask but I think there was a nominal fee - £10? - for 6 years' worth of statements. Must be a bloody headache for card companies which is excellent
dl
dl
even better......there is a £10 fee which is the max they are allowed to charge. I sent this fancy template letter whcih stated i had included the £10 in conjuction with OFT laws blah, blah, blah.........and forgot to enclose the £10
They sent the stuff anyway
08 August 2006, 11:23 AM
#17
Scooby Regular
Join Date: Jun 2005
Location: Innerleithen / Edinburgh
Posts: 745
Likes: 0
Received 0 Likes
on
0 Posts
Do the letters go to your branch, head office, or any branch? I'm quite well known at my home branch so would be a bit embarassed to send it there...
08 August 2006, 12:05 PM
#18
Scooby Regular
iTrader: (2)
Join Date: Nov 2005
Location: Doncaster
Posts: 896
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by briforbes
Do the letters go to your branch, head office, or any branch? I'm quite well known at my home branch so would be a bit embarassed to send it there...
What's to be embarassed about, all the staff have access to your account anyway so it's not like they don't know what state your account's in.
Steve
08 August 2006, 12:12 PM
#19
Scooby Regular
Join Date: Jun 2005
Location: Innerleithen / Edinburgh
Posts: 745
Likes: 0
Received 0 Likes
on
0 Posts
Thanks Steve. My account's not in a bad state now - but it's been niggling me that while I was a student they took over £1500 from me in charges. There was even a time when my insurance co tried to take money 4 times in one day and I was hit with 4 separate charges of £30 - my insurance payment was only £33! 
.
I'm better behaved with my finances now that I'm no longer a scruffy tax-dodging student - but would love to get revenge on my bank.
.I'm better behaved with my finances now that I'm no longer a scruffy tax-dodging student - but would love to get revenge on my bank.
08 August 2006, 12:19 PM
#20
Guest
Posts: n/a
Never knew about this stuff, every time i've been charged i've just called up the bank, made an official complaint to customer services at which point they have refunded the money back. Bunch of robbing barstewards.
Its never been for taking the p!ss either, its been for things like for transferring money from one account to another and then taking the money out only to find their systems wont account for it the same day if the online transaction is after 18.30 so end up being overdrawn for a few hours and getting charged
They still try and tell you its your fault even though its your money and their systems that are at fault 
Its never been for taking the p!ss either, its been for things like for transferring money from one account to another and then taking the money out only to find their systems wont account for it the same day if the online transaction is after 18.30 so end up being overdrawn for a few hours and getting charged
They still try and tell you its your fault even though its your money and their systems that are at fault
08 August 2006, 01:05 PM
#23
Scooby Regular
Thread Starter
Join Date: May 2006
Location: I have ad blocked my rep - so dont waste your time!
Posts: 1,548
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by Spoon
Yes but managed and monitored being my point. 
08 August 2006, 07:41 PM
#24
Scooby Regular
Join Date: Jul 2006
Posts: 36
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by The Snug Rhino
Had no idea this was such a big thing on the net...loads of sites dedicated to it.
Anyway, over the last 6 years i have paid one of my banks about £1,500 in excess overdraft fees, etc, etc (i ran more than one account and was just crap and lazy and checking my balances and didnt care about the odd £30 fine for going over)
A previous quote from snug rhino;
Anyway, over the last 6 years i have paid one of my banks about £1,500 in excess overdraft fees, etc, etc (i ran more than one account and was just crap and lazy and checking my balances and didnt care about the odd £30 fine for going over)
A previous quote from snug rhino;
08 August 2006, 07:55 PM
#25
Scooby Regular
Thread Starter
Join Date: May 2006
Location: I have ad blocked my rep - so dont waste your time!
Posts: 1,548
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by babyboy
.....and i dont work much at the moment, i earnt £45k in June so i'm just chillin'
10 August 2006, 06:51 PM
#26
Scooby Newbie
Join Date: Aug 2006
Posts: 26
Likes: 0
Received 0 Likes
on
0 Posts
Thread
Thread Starter
Forum
Replies
Last Post
shorty87
Full Cars Breaking For Spares
19
22 December 2015 11:59 AM