I have over the last two months recieved a few bank charges of £39 each time a DD has been missed, I have been informed that i can ask for this back from my bank BUT how do i go about it??
I bank with the halifax
2007-01-20 04:04:12 · 8 answers · asked by Dharma 3 in Business & Finance ➔ Personal Finance
Thank You for your answers....
Yes start with the bank charge was my fault as not enough money in the account but do to excessive bank charges i then missed more DD's.....
I have now phoned the bank and the nice lady has reversed two of the charges for this month and i am going to see the bank managers this week to get some more help hopefully.........
THANK YOU to you all
NOT THE FIRST GUY THO!!! GET A LIFE!!!
2007-01-21 05:53:01 · update #1
Write to the bank branch manager and tell him
1) That you find the charges excessive and to please send you an itemised description of the charges.
2) Offer to pay about 50% of what they are asking in full settlement failing which you will be challenging the amount of charges in court.
3) If you have to go to the small claims court, it will cost you about £100, but the banks always give in before that point. Please also note that even if the bank agrees to your terms, it will probably ask you to close your account and you will have the hassle of opening another a/c at a different bank.
2007-01-20 13:33:55 · answer #1 · answered by Anonymous · 1⤊ 0⤋
You don't say why the DD was missed - was it a bank error, or did you fail to keep enough money in your account or exceed your o/d limit to cover them?
If it is your fault, you may struggle to get a refund, but the bank may make a one-off refund (ie one of the charges) as a goodwill gesture
If it was their fault all along, you shouldn't have any difficulty getting your money back.
Whatever the outcome, the way they deal with your query should help you decide whether to continue banking with them. Remember, you are their customer - they make money off you, so they should be nice to you!
2007-01-20 19:55:38 · answer #2 · answered by liquidator01uk 2 · 1⤊ 0⤋
you might be recieving these charges for something that has to do with your account. You might want to find out what kind of account you have first that might be the problem on why you keep getting these charges. If you want your money back try talking directly to the person who opened your account and let them know you have no idea why these charges are being put on your account and ask them to help you out. Maybe then they will go in and re-analyze your account and fix the problem so it doesn't happen again.
2007-01-20 04:15:46 · answer #3 · answered by DeeLicious 4 · 1⤊ 0⤋
There's a really good article in today's Daily Mail, that covers the 10 steps to getting your money back.
2007-01-20 04:12:04 · answer #4 · answered by Humpy 3 · 1⤊ 0⤋
Talk to a customer representative or personal banker over there. If possible, talk to the bank manager. Bring whatever paperwork you need over there.
2007-01-20 04:11:49 · answer #5 · answered by Passion 3 · 1⤊ 0⤋
happened to me. halifax told me i had to put in writing. i did got me money back. as the messed up.
2007-01-20 04:08:29 · answer #6 · answered by Anonymous · 1⤊ 0⤋
This should help you out?
http://www.moneysavingexpert.com/
2007-01-20 04:14:24 · answer #7 · answered by Anonymous · 1⤊ 0⤋
You spelled "received" wrongly.
2007-01-20 04:08:11 · answer #8 · answered by Not Ecky Boy 6 · 0⤊ 4⤋