2007-03-22 00:34:17 · 7 answers · asked by Katie 5 in Business & Finance ➔ Personal Finance
Yes both bank accounts are still live and the bank is only 5 miles away!
Grrrr its so annoying i've not no money as it is and their taking more and more!
2007-03-22 00:45:54 · update #1
Yes, you can claim for each account. However, it will save you time and money if you lump the total charges owed from each account together (as long as the total is less than £5000 - the limit for the small claims court).
If you have to take the claim to court, you have to pay a court fee of between £20 - £120, depending on the amount you want back. If you do each account separately you`ll have to pay two sets of fees, so its easier if you lump the total charges into one claim. Note: You do get the court fee back when you win the case.
Just alter the standard letters available for claiming to include both accounts. Make two "Schedule of Charges", one for each account, but in the letters put the total for the claim as the total overall. See the site below for more info, and all the letters and help you need!
2007-03-23 10:09:51 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Sure you can. Claim unfair charges for both accounts. Why not blame someone else for your inability to abide by the rules set forth by the bank. "Yes, your honor, I willingly overdrew my account and bounced a check and the bank unfairly charged me for doing so. Yes, your honor, I knew that the bank had a minimum balance policy or they would charge me but I didn't keep enough money in my account to make the minimum balance. How unfair of the banks and I'd like the charges back please."
Bank charges are not unfair. You know the charges will happen under certain circumstances. It's not the bank's fault that you can't manage your money well enough to not have charges.
Perhaps you need to take your money out of the bank and put it in a firesafe box in your home. That way you won't get any charges from the bank.
2007-03-22 02:04:32 · answer #2 · answered by Anonymous · 0⤊ 0⤋
If they are over £12 the charges are illegal. So you can claim for unfair bank charges on both accounts if the charge is over £12.
Threaten to take them to Court because these bank charges are illegal and they are a profit making scheme for banks which the Courts strongly object to. They should soon refund you for the bank charges you have paid.
Do a google search 'bank charges, letter template' and i am sure a letter will come up which you can just insert your details in and send it to the bank.
2007-03-22 01:59:42 · answer #3 · answered by Emma 2 · 0⤊ 0⤋
Did both accounts have unfair charges?
and do you still have accounts at this bank?
and is this the only bank within 100 miles?
2007-03-22 00:40:47 · answer #4 · answered by Jo Blo 6 · 0⤊ 0⤋
Both, but be careful if you get your bank charges back they may both close your accounts. When you go overdrawn (without an overdraft) you are breaking the terms and conditions of your account so they can close your account for you then, they often do it when claiming charges back!
2007-03-22 00:40:51 · answer #5 · answered by Anonymous · 0⤊ 0⤋
If they disclosed it to you in the contract and you signed it you are almost out of luck. You might be able to file a grievance but they'll come back and tell you, sorry, but it's in our contract. If you're really ambitious you could take it to a lawyer, but that would probably be fruitless too, since they had at least one lawyer look over the contract to make sure it fit within the confines of the law.
2007-03-22 00:45:34 · answer #6 · answered by Joel S 3 · 0⤊ 0⤋
Yes you can, i have recently been looking into it myself
2007-03-22 00:40:45 · answer #7 · answered by Karly G 1 · 0⤊ 0⤋