moses

no bull, check it oot, alot of companies r doin it for u, but want 25%, dae it yerself



download the first letter and enter your details, by law they need tae give u the total of how much they charged u the past 6 yrs or send u 6 yrs statements


here

my brother n law got back a few hundred quid and my mate got back 2.5k

Bank charges: Reclaim them, they're unlawful, so you can get six years money back | MoneySavingExpert: Consumer Revenge, Credit Cards, Shopping, Bank Charges, Cheap Flights and more,

moses

also

Ten steps to reclaim bank fees | This is Money

bootsy

all ready doing it

wilyolddave

cheers gonna look into this

Hanslow

I've never paid a bank charge in my life so have nothing to claim. Besides which, they're going to stiff us all back by making us pay a monthly fee for credit cards / bank accounts

BULLITT

Consumer Action Group

Look here for progress reports from other people and results from claims.

speye91

I claimed back 2k from Halifax ,got the whole amount back to the pence.

Shy bairns get nowt.

Took about 7 weeks but worth the wait.

The Snug Rhino

welcome to 2007

speye91

And what does that mean?

The Snug Rhino

search BANK CHARGES...its been all over NSR for months, to post it up like its a Eureka moment is a little over enthusiastic

speye91

True,Snug.

But people still think this is a con,its's not.

I knew about it for atleast 6 months before it was splashed all over,but never bothered my ****.

Glad i done something about it,2k back in my pocket.

r32

My Daughter is already going through this process. I hope she wins.

Mitchy260

2k in bank charges

2000/72months = approx 28quid per month

That is assuming you have been charged every single month for the past 6 years which i find highly unlikely.

Your credit rating must be through the floor.

The Zohan

Might be a while lloyds tsb's profitswere £4bn

The whole point is that what they did was illegal and why not claim it back if this is the case!

EddScott

So this is to reclaim money from the bank if they charge you for going overdrawn?

Only ever happened to me a few times and each time I've gone to the bank and demanded they put it back. Each time they have done so.

Is this the only charge we are talking about?

RoShamBo

iTrader: (1)

Sorry for being so thick, but how do you rack up such high bank charges.
I am assuming going over overdraft limit? Bounced cheque charges ?

R.

moses

some people just go over limit by a fiver or tenner and get charged 30 quid plus 28 quid if they have tae pay it for u

their a bunch of b@stards these banks

Hanslow

Some people manage to keep control of their finances and not incur charges

moses

trust me dude, sometimes its hard specially when u cant make it tae the bank

see being a business owner is different, u always get paid last, even if business is quite u need tae pay the staff so the boss gets left last

^Qwerty^

Anyone done this for early exit fees on a mortgage? That would be worth a few k to me.

JamieMacdonald

You can't claim back redemption penalties i.e. paying off a mortgage before a fixed term ends. I think you can only claim back the final payment charge which is normally about £200-300. i'll be paying my fixed term mortgage off early next month and it will cost me about £2.5k in redemption penalty , how I wish I could get out of paying that!

Hanslow

Never thought of businesses moses, and I don't have the luxury of owning one Guess it can be a pain waiting on monies owed when you have bills and expenses to pay.

P1-Brad

Spot on ... it's the administration fee associated with processing the early mortgage redemption, not the redemption fee itself...

... unless you've remortgaged 10+ times this wont be worth thousands.

^Qwerty^

Ah - bollox. Never mind. The thought was good while it lasted.

moses

it can be mate but during the busier times u enjoy the fruits tae

when u work for yerself mate u dont have the prob of some evil boss or a55hole manager breathing doon on yer neck

i have been working since i woz 12 for my dad, after school i had the mosque , playtime and the weekends i used tae work 12 hr shifts on saturday and half day sundays, helping the staff at the shops or my dads office

he made me work hard lol , i thank him, he made me work under the staff, it taught me humbleness and respect, he paid me a good wage since i woz 12 i used tae get 40 quid a week and then when i touched 15 i got 1100 a month, not bad for a 15 yr old

and i done it all, work in the shops, manager, area manage for a few shops, stockroom lad , opening shops and also general manager and then director

man it woz hard, im 30 now but i feel 45 lol coz i have been working since i woz wee and been married since i woz 16, awesome though

i wish u all the best mate, God willing one day, if its written on your destiny u will own a good business, if u got a good job its less headaches of a business, if u r a cisco specialist or IT ETC, u make megabucks and no headaches of business problems, vat men and inland revenue and wages etc

only downside of my business is, i hardly get holidays i took a holiday after 10 yrs a yr ago, if i leave it for the staff tae look after my business it goes down alot and some have been caught stealing and breaking the machines

pathetic, some staff just dont give a damn, its the owners who suffer, very hard tae get good trustworthy staff nowadays

all the best

moses

another wee business hint for u bud

if u got a few grand spare

get a shop that aint too expensive tae rent near a efw schools and houses etc

open up a classic sweets and loose sweets shop 99p a quarter and also modern sweets as well, mars, snickers, cadburys etc, soft drinks and crisps and also fresh icecream on the cone and boxed chocolates and slush etc etc , a massive range of loose sweets

u will still rake in 2k minimum or more a week and make 600 to 700 wages a week if u dae anywhere between 2k tae 3k minimum

add some fresh snowballs and macaroons, mints and cakes etc

a few lads in glasgow dae very very well

that will start u up good, sweets and drinks and machines will cost u less than 3 tae 4k , icecream counter u may even get fae the icecream supplier etc

paul-s

To not Tae

tae blae blah boo mea maei

moses

chugga mugga nugga chow mein ding dong chugga chugga lol

Hanslow

Sounds like you've done pretty well for yourself moses Congratulations on the hard work and providing well for your family

Me, I skipped the paper rounds as a kid, couldn't and still can't get up in the morning Got myself a job at a supermarket though whilst at school with no family pushing, I just wanted some extra cash so got off my **** and went out to earn some Got a nice steady job (software development in a company doing thermal and electrical modelling for electronics) that pays me well enough to keep me and my missus living quite happily. It'd be nice to have more money and a nicer house, but we're quite happy how we are.

I'm fortunate in that my mum and dad had very little to their names when I was young, so they strived and earnt every penny they could to bring us a better life and fortunately it's rubbed off on me. Does make me a tight git down the pub sometimes though when it comes to my round

I hope those that have had the bank charges and are claiming them back learn the lesson as I don't think loopholes like this will be around forever. Take the financial lesson and look after your money and family better

All the best moses, here's to a happy and content life