2007-07-13 02:18:16 · 20 answers · asked by Anonymous in Business & Finance ➔ Credit
...and interest to boot?
2007-07-13 02:23:36 · update #1
i have successfully got my bank charges back. it was really easy. i took a template letter from the gmtv website worked out interest that had been charged and charges over 6 years, sent the letter off and waited for reply. I got a reply within a week and from then it took 2 months for them to repay the monies back into my account. it was so easy i would advise it to anyone to do. i am now trying to claim back my credit card charges wish me luck.
2007-07-13 03:27:33 · answer #1 · answered by Anonymous · 1⤊ 0⤋
Am in the middle of doing this, no reply yet from the Bank, so on the point of sending in letter no. 2. Unfortunately, it might be a little late because so many people are now trying to reclaim the charges, I'm sure the banks will find a way round not having to pay back.
2007-07-14 07:29:47 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Yes, personally i`ve claimed over £1000 (with interest), other family members have claimed back thousands, and users of my site have claimed back 10's of thousands!
Have a look at my site below which has detailed step by step guides to the process of claiming your bank charges back, along with template letters and spreadsheets. It also has the latest bank charge news and developments, and forums for one to one help and support throughout your claim.
So far the site has helped many people claim back thousands from a range of banks and building societies, and the number of people helped grows on a daily basis.
The site is completely free to use!
2007-07-13 05:14:17 · answer #3 · answered by Anonymous · 0⤊ 0⤋
If you mean for admin fees, then yes. the thing is that while they are justified in charging you when you go into unauthorised overdraft or something, they usually charge you way more than is reasonable. ie when they charge you £30 they should really charge you £3, because that's all it really cost them.
A work colleague i had claimed back this year, including interest, and got £4000! but by the sound of it he ran up a huge amount of charges. I don't know the specific legalities of it but i know its possible. but be warned: they drag their feet as much as possible and it is quite a mission for you. depends on how much you're owed i guess.
2007-07-13 02:31:27 · answer #4 · answered by jamie a 1 · 0⤊ 0⤋
A man was keeping a million in non interest bearing checking for about 20 years at the same bank. They charged him a bank charge, I reconciled his bank accounts for his CPA firm so told the CPA who wrote a letter to the bank. The president of the bank wrote him a apology, reversed the charges and invited him to come meet him the next time he came to the bank.
Banks don't want to lose valuable customers so will bend over backwards to keep them. Customers who have small balances, bounce checks and are unpleasant to the staff are pretty much out of luck. If you are a good customer and as very nicely they might reverse a NSF fee or reduce it once.
2007-07-13 02:26:19 · answer #5 · answered by shipwreck 7 · 0⤊ 1⤋
yes. i paid for something using INSTANT bank transfer and presumed it was instant so used my account and then found out 5 days later that instant doesnt mean instant and was overdrawn by a few pence. This ended up costing me 3 x £38 but I went and explained nicely to the bank and my charges were refunded within a few days. God bless Nat West
2007-07-13 02:25:25 · answer #6 · answered by daftoldwoman 4 · 0⤊ 0⤋
Yes I have. If you're a good customer you can. Once I was double billed for something. And the second time the bank (actually credit union) billed me, the amount bounced. And I was slapped with an overdraft fee - twice. I called them and explained the issue. They refunded all fees including the overdraft fees.
2007-07-13 02:28:22 · answer #7 · answered by Tom S 7 · 0⤊ 0⤋
yes i have. the bank had acted unethiclly imho and charged me enourmous fees when i could not afford it. i called and talked to the bank manager and he got it sorted out. i personally think that charging $35 to someone who accidentally went negative by $1 is a bit rediculous. i do understand that it's to keep people from doing it but come on accidents happen especially if your living paycheck to paycheck and cannot afford to keep a $100-$1000 buffer in the account.
2007-07-13 02:26:50 · answer #8 · answered by moi 2 · 0⤊ 0⤋
Have a look at :
http://www.moneysavingexpert.com/reclaim/bank-charges
It tells you what to do, gives you sample letters and even an interest calculator so you can work out how much interest the bank owes you.
2007-07-13 02:42:05 · answer #9 · answered by Hammy 2 · 0⤊ 0⤋
I was charged for something which was out of my control, I wrote complaining and they reimbursed the original amount plus £25 for my trouble. Good old TSB
2007-07-13 02:28:45 · answer #10 · answered by firebobby 7 · 0⤊ 0⤋