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girlie | Help! Advice on bank charges....? |
I have just been to see my bank (RBS) to ask about claiming back on the charges i have incurred for direct debits that made me overdrawn. They said they are perfectly within their rights to charge me and i cannot claim them back as they are allowed to charge me £30 per direct debit - but then if thats the case then how come everyone else is doing it!!!!!! What do i do now? Thanks in advance, appreciate the help! |
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Lovely Lady
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www.moneysavingexpert.com
First of all don't pay a company to do anything for you!
Contact your bank and ask for details of all charges debitied from your account in the past 6 years. The most they can charge you for this is £10.
Get the figure and enter it into one of the template letters on the site above, print and send.
They might write back and say no. Go to stage 2 and threaten to take them to court. You should get a resut then! |
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claimbankchargesback
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Don't worry about this, its a standard letter sent by default when you tell the bank you are claiming, and its not personal to you.
The banks cannot admit their charges are unfair, because if they did it would open the floodgates for everyone in the country to claim, rather than just the hundreds of thousands claiming now. As a result, all they can do is deny they are in the wrong, and try and put you off claiming, which they do with the letter you have received.
Just ignore the letter, you don't need to reply, and carry on your claim regardless. I can assure you that the letter will in no way affect the outcome of your claim. Everybody who has successfully claimed back their charges has had one of these letters, no matter which bank they are with.
For detailed step by step guides and more information about claiming your charges back, along with template letters and spreadsheets have a look at my site below. It also has the latest bank charge news and developments, and forums for one to one help and support during your claim (and the letter is one of the things regularly discussed!)
The site is free to use! |
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theosharatos
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My only advice is to have your bank account linked to a savings where you keep money in so that you don't get charged as much. Or don't let your bank account get down past a certain amount. I know I have about $200 in direct debits every month so I know not to let my account get below $200. Jennifer |
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Pepper
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Well You could shift those debits around. If it makes you overdrawn then the Bank does have the right to charge you. Its your responsibility to make sure your bank account is above level , not the banks. You may ask if there is overdraft protection. Its a small amount that they extend to you on the other side of positive so that you don't get overdrawn. Maybe about 500, you pay it back in payments monthly but this way you not getting charged.
But you do need to money manage better. |
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spensmum
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I was reading an article in a magazine a while ago, and the same thing had happened to a women down south with the Halilfax who are apart of the RBS. She went on to this website and sort there advice and she was granted all her charges etc back. I am just in the proceeds of doing the same with the Halifax. All i can say is have a read at the site, and give it a go what have you got to loose, you might be surprised and find that you can claim all your charges back.
www.penaltycharges.co.uk.
It doesnt cost anything and all the letters are there for you to print out and give to your bank as and when needed. It will cost you 10GBP for the information from the bank. |
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mrbatfink
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Some times banks will refund some or all charges if you ask nicely (recent charges... not every charge you had)
If you want to try and claim back all the charges you have ever had there are a number of websites who give advice on how to do it or will do it for you for 20-30% of whatever they get back for you.
I am currently in the process of claiming back £1800 of charges from the past 6 years... they are on their last 14 days before it goes to court. |
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old know all
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The bank is only allowed to charge a reasonable amount to take account of their costs in handling direct debits.
Write to the manager at your branch heading the letter COMPLAINT. Say that you were not satisfied with the explanation you were given and that the charges made were not reasonable. This will trigger the bank's complaints procedure and they are required to provide a written explanation. If you're not satisfied with this, or if they ignore you, make a formal compalint to the Financial Ombudsman - their website tells you how.
http://www.financial-ombudsman.org.uk
Since it costs the bank £300 every time someone complains to the ombudsman, they should be accommodating. |
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joanne b
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i agree with heather. i did that and reclaimed back half of my charges over 6 years it took about 3 months from start to finish. |
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charlie
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I just got 6 years worth of charges back form Nat West. Check this webite out. First you have to send a letter including 10 pounds to get 6 years worth of statements. Go through them all and add up any interest over £12, charges for being overdrawn etc. Then I sent a letter to my banks head office and my branch (just in case), kept phoning them to see the outcome etc. It's been 2 months, and I got a letter from them on Saturday, saying how its my fault for getting charged, its their policy to charge bla bla bla. However, as a gesture of goodwill they will make a payout. I got £1016!!!
I definately recommend doing it.
http://www.bankcharges.info/
http://www.thisismoney.co.uk/campaigns/bankcharges/article.html?in_article_id=417735&in_page_id=507
http://www.moneysavingexpert.com/reclaim/bank-charges |
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Info@bcbsinc.com
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Check out our financial related website, there is much information here about business, taxes and otherwise to help you out in business or personal situations. We are a full service firm with clients in over 25% of the US and growing. Our site contains over 500 pages of financial related information or email us at info@bcbsinc.com. We offer various free calculators, a news letter and many other things. http://www.bcbsinc.com |
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Archie
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This link should be a good start for you - and its completely free of charge.
http://www.thisismoney.co.uk/saving-and-banking/article.html?in_article_id=408750&in_page_id=7 |
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Cara D
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Each bank has a different policy on this; I've found most banks to give a "courtesy" refund on a bank charge if it has never happened before, but some smaller banks will give you refunds just for asking, particularly if you are a long term customer. RBS is not small, and if they refuse to give you a refund, you are pretty much out of luck. Keep track of those debits......in the check free society, it has grown harder to keep track of what is coming out of your account, not easier as they promised. |
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ajfried09
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no clue sorry |
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dolly dewdrop
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NATWEST charge 38 quid for a returned direct debit and for that they dont even have the courtesy to let you know with a letter. every time i get charged it is not normally my fault, if i explain to them what has happened i normally get the charge refunded. there is no way it costs any bank more than a few quid to return the debit, afterall it is done automatically by a machine and if you dont get a letter or a phone call where do the costs come from. fight it all the way you should get some if not all your charges back. |
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Lynn C
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try and find out your area manager for your area and complain we did and she has got the bank rbs to download our state ments and told us to write and keep writing until you get satisfaction we now bank with another bank but still persueing our bank charges kick a stink up we did |
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rage707_666
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Pull my tight foreskin back lassie. |
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SCH
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I do not really understand what you mean by everyone else is doing it...but you need to garner sympathy from the banker you are speaking with. Going in and demanding they return your fees will get you no where. Did they do anything funny like pay the highest amount 1st and then lower amounts next and thus forth...usually if a bank does it this way (on items that all come in on the same day) then you can go in an argue if they had paid the lower amounts 1st then you wouldn't have had so many charges. If you have not had overdrafts before you can sometimes ask for a reversal on the grounds that it was a one time mistake. Also, you say direct debits...were they authorized, did they come out on the day you authorized them...these are all things that warent a reversal of fees (at least here in America). You should be able to return the item that was unauthorized and get the fees reversed too.
Good Luck. |
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