i have had a bad year really and have given £90.00 to my bank for atleast 10 of the last 12 months . ive heard about reclaiming these charges for going over your overdraft ? apparantly if they still let you have money when when already over your agreed limit they are to blame ?
has any one have any info on where to look for information ?
have tried some sites on net and not very informative for my needs !
is there a company that helps you with this ?
they have now stopped me going over my limit as from last week so have no money , no petrol and no food at the moment !
please be nice and help with this ......
2006-07-13 01:10:00 · 7 answers · asked by j.j. 5 in Business & Finance ➔ Personal Finance
thats what im asking , how you do it ? i know i want to reclaim them !
2006-07-13 01:15:51 · update #1
What you need to do is reclaim your charges.
http://www.thisismoney.co.uk/bankcharges will help you to do this.
Once you have that money back you will probably be back in credit and have some money to spend.
Good luck.
2006-07-13 01:13:09 · answer #1 · answered by 'Dr Greene' 7 · 5⤊ 0⤋
Banks live by their own rules and tend to be a law upon themselves.
In the past I had to claim (or rather explain and ask for) some charges back for my better half and once with a credit card for me. There is no 'right' way of doing this - no form to fill in! The only way you can go about it is by contacting your local bank and talking to some one. The recent articles in the press ahve made it sound as though it's an easy & simply thing to do but it isn't ........
The bank is with in its rights to charge you for breaking the rules you agreed to by opening an account with them.
You have left it a little late if some of your charges are 12 months old.
If you talk to your bank in a clear and mature manner, explaining what has happened and that you will remain a loyal customer if they were to refund some of your charges you might strite it lucky and get a few quid back ............. it's like flipping a coin - you might win or you might lose!
Best of luck!
2006-07-13 01:53:02 · answer #2 · answered by nickthesurfer 4 · 0⤊ 0⤋
Unfortunately Banks are powerful and if you break their rules they make you pay big. I have never heard of an agency to reclaim charges. I have only heard of calling a begging the bank to please reverse some of the charges. The easiest thing to do is just keep track of your spending so you don't go over. In the meantime, if you are desparate for money, you could borrow from friends, pawn something, go to one of those check cashing places that hold her check until the next payday. But really figure out a way that works for you to keep track so you don't fall into the Bank's traps.
2006-07-13 01:19:09 · answer #3 · answered by norsktjej1964 4 · 0⤊ 0⤋
They were discussing this on GM TV one morning & said all the details were on their website, I ought to have a look too!
Good Luck, these Banks take the money far too quickly & don't like giving it back. The more of us that start reclaiming, the better!
2006-07-13 01:22:35 · answer #4 · answered by Anonymous · 0⤊ 0⤋
If you go to www.moneysavingexpert.com they have a step by step guide as to how to reclaim bank charges also lots of other great tips to save money
2006-07-13 02:38:19 · answer #5 · answered by SANDRA B 1 · 0⤊ 0⤋
go to
www.MoneySavingExpert.com
there's a section there (search bank charges) which explains how to reclaim charges
2006-07-13 01:17:53 · answer #6 · answered by cymbalita 5 · 0⤊ 0⤋
Also, beware that if you are succesful in claiming back your charges by threatening legal action, charges which you agreed to in the terms and conditions, they may well close your account.
Try not spending money that you do not have.
2006-07-13 07:43:08 · answer #7 · answered by Anonymous · 0⤊ 0⤋