Bank Charges

do you have an overdraft?

FW - signed up on that consumer advice forum, it's awesome

Thanks for the link

Shall be phoning my banks tomorrow to make sure my letters have arrived

It takes some reading to get through it all, but it covers absolutely everything you're gonna need to do/know. Glad you found it useful.

my bank never charges me, there would be hell on if they even tried to do it.

so this thread is of no intrest to you, yet you keep posting to let people know how much better you are then them because you dont get charges!

Last year, Halifax, with no warning whatsoever dropped the overdraft on my student account by £500, then charged me x3 £30 charges for under £6 of purchases.

a few months over the years i have been charges 38 quid for being 3 or 4 quid short of my council tax money..cunts

exactly!

We had npower take double payments out by mistake once the same day as 3 other direct debits were due. 3 x £30 charges. Even thought we'd made sure we had the money in to pay all the bills.

I never said I had no interest. I can't stand people complaining about things they could stop freom happening.
Fair enough sometimes bank make mistakes and companies taking payments can make mistakes but the rest of the time it's the individuals fault

I abused my bank(s) competely, and I knew the consequences. I wouldn't dream of complaining about it, especially not ringing up a call centre to shout down the phone, but now that it's come to light that the charges are unlawful why shouldn't I claim the money back?

I'm not saying people shouldn't claim their money. The point I'm making is the same as what you said in the first bit of your post. You knew the consequences but did it anyway

PRINCESS JANE

I'm seeing Barclays in court any day soon.

The banks love people who fuck up financially. Lots of lovely charges for them to recoup.

The self righteous may harp, but soon I'll have my money back, and I got the good time spending it.

has anyone had their account closed yet??

I've opened a couple of spares just in case, but apparently it's rare.

Not especially bothered about this, the banks are fighting over themselves to give me an overdraft.

So they can charge me if I go over by a penny.

i want to do this but have a loan with hsbc...can't afford to pay it off so don't want it closed

it was their cuntish behaviours that caused most of my charges a few years back...

Get a loan from someone else to pay it back before you start?

I don't care if I don't get that much money back (I've only had a few charges), this is all about the principle of revenge for bank

If you have a loan they may credit the charges against the loan balance, rather than give you money back.

If they try to make you pay the loan back in a oner, and you don't have the money, all they could do is take you to court and the judge would order you to pay a reasonable amount every month.

Which I presume you are already doing, so I can't see it being worth the bank's while demanding loan repayment in full.

good thread, will keep it bookmarked..

anyway i've been lucky enough to never have this problem.

Ive been charged once - i rang up, and they reversed with with zero fuss!

Barclays that was - looks like i've been lucky!

I have a £1500 o/d limit at the mo - but i could be in shit creek when i finish uni