unfare bank charges how do i reclaim them?

Answer 1

It might be easier than you think as long as your unauthorised overdraft is not a regular event. I rang up my bank and told them the overdraft was a misunderstanding. The staff would usually tell u that they had to charge u £35 per day but u persist, then they will tell u they will try to see what they can do before issuing the refund.

Basically, by contacting them, I got a refund every time (3 times over the years). I don't do it as a habit just oversight.

Martin Lewis is an expert on this, visit his site at
http://www.moneysavingexpert.com/

Here's a step by step guide at
http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,

"Reclaiming bank charges in a nutshell"
Step 1. Set up another bank account
Step 2. Find out and total all your charges
Statutory Interest Calculator
Step 3. Write asking for your money back
Step 4: Threaten to take it to court
Step 5: Take it to court

Answer 2

you can claim them back cause we have over £6000 over the last 6 years
1)first you need your last 6 years bank statements
2)you then write a letter requesting these charges be returned they have 14 days to respond or you will take them to the small claims court
3)they usually send you a letter refusing to pay you back or they will offer you a rather small amount as a goodwill gesture (do not accept any less then 90% of the charges
4)if you refuse there offer send them a letter telling them this
5)if you have not received all of the charges back by the 14th day of them receiving the letter file on line at moneyclaim.co.uk for small claims court
6)they nearly always settle before the court date

make sure you keep a copy of all letters you send and send them recorded delivery
letter templates are on this website
www.penaltycharges.co.uk

Answer 3

If it is your first set of bank charges then when you speak to them and explain that they generally will, for goodwill, reverse the charge. However, if you have been overdrawn quite a number of times, then the bank does not need to reverse them as the charges were already agreed when you opened the account. Good luck though!

Answer 4

we are in the precess try this site
www.penaltycharges.co.uk
do not listen to people that say you cannot cause these charges are unlawful and you can take a look at the site above also look at the forum look at all the success stories nobody has ever lost

Answer 5

You can't.

I was charged £30 for going under my overdraft when the company i bought something for online charged me twice for the product, meaning I went under.

The bank weren't having any of it! Sorry!

Answer 6

I would speak to someone in your branch. like a manager and be decent and explain how you think theyre unfair and youd appreciate them reversing it. say someone has recommended another branch along the road and youll go ask them theyre opinion and if they agree youll switch

Answer 7

I made an appointment with someone in my local branch, explained the situation, and they reversed the chages. Sometimes depends on who you get though. Good luck!

Answer 8

complain till you are blue in the face. Threaten to bring in your solicitor, tell them you know your rights.

or go to your local Citizens Advice Bureau.