Unfair bank charge refunds,

Does anyone know how to go about getting your unfair bank charges refunded? i have had so many over the six years, i have explained to the bank that i will be taking legal action for a reclaiming them and they have put a quiery on my account now i have to go through the consumer rights depo, its so irritating

any thoughts?

http://www.moneysavingexpert.com/cgi...1050760,24632,

Not tried it yet....keep meaning to

My missus and I reckon we are owed £1602 in unfair bank charges from Lloyds TSB so we went to to www.thisismoney.com its the financial site for the the mail on sundays financial pages. They have loads of info and even templates for letters to your bank etc.. check it out and good luck.
Stew

Good timing.

A couple of months back, I paid off my current account debt to Abbey, and asked them to remove the overdraft facility. They did this.

I then later (a couple of weeks) closed my account. A week or so ago, I got a snotty letter from them, saying that I owe them money due to a charge (£30 I might add) for going over my non-existant overdraft.

I also don't like the fact that they employ indians (not brits, real indians) in their call centres, who can't understand English.

So I think I'll teach them a lesson. Six years worth of claims covers when I was a student...

The thing is, I dont mind paying charges, but if it only costs about £2.45-£2.50 how can they justify £30 bast#rd quid evry time I go over by a few pence. Bast#rds !

Might seem an obvious answer, but hows-about going into your bank for a starters or calling your citizens advice bureau?

Originally Posted by stewie

The thing is, I dont mind paying charges, but if it only costs about £2.45-£2.50 how can they justify £30 bast#rd quid evry time I go over by a few pence. Bast#rds !

I've had pre-emptive charges applied to my account.

As in, Abbey have known there is a payment due out of my account, known that I didn't have sufficient funds, and charged me for exceeding the overdraft.

How do I know this? Because I'd asked the company for more time, and to delay the payment (recurring payment on my debit card). They agreed.

Charge for being over the overdraft? Wait a minute! I didn't go over the overdraft! C-nuts!

They also refused to give the money back, stating that I had gone over my overdraft. I agree, I had, but only because they applied the freaking charge!

Same position here baph, Ive had standing orders due out on a saturday and they have been moved forward to friday. Saturday a cheque would have cleared friday it hadnt, result £30 charge for insufficient funds in account. Bast#rds the lot of em

If you complain they will probably give you 30 days notice of closing your account, so do be prepared and have another account open elsewhere to transfer to.

Originally Posted by Ed

If you complain they will probably give you 30 days notice of closing your account, so do be prepared and have another account open elsewhere to transfer to.

Already done

There's also no payments going into my abbey account, and no payments coming from it. By their own terms & conditions, they should of closed the account roughly 2months back, because it's inactive.

Work this out if you can though...

I also have a savings account with Abbey, which was closed and emptied at the same time as my current account. The account is still open. I got a statement from them around a week ago, saying that they'd paid me £1.86 in interest. Erm, hang on, that's a bloody ace interest rate, £1.86 interest for a month when the balance was £0.