Liverpool FC Forum

by **kazza 1** » Tue Jan 15, 2008 12:29 pm

I know this has probably been done on here 100 times, but I was going to start reclaiming my bank charges from my bank and I was wondering has anyone else done this and got them back or is it a waste of time?? I have worked out that over the last 5 years they owe me round about £5,000 in charges. Any help would be appreciated.

by **Leonmc0708** » Tue Jan 15, 2008 12:51 pm

http://www.moneysavingexpert.com/

by **Big Niall** » Tue Jan 15, 2008 2:07 pm

How could you have paid that much bank charges?

by **RUSHIE#9** » Tue Jan 15, 2008 2:18 pm

Big Niall wrote:How could you have paid that much bank charges?

Cos the banks have a canny knack of screwing their customers out of their hard earned money any way they can!!

by **Leonmc0708** » Tue Jan 15, 2008 3:45 pm

Big Niall wrote:How could you have paid that much bank charges?

Simple:

Monthly
1 direct debit fails = £35
1 cheque bounces = £35
1 late payment = £35

12 months = £1260

3-4 years of something similar = £3780 to £5040

And thats just on one account.

by **Big Niall** » Tue Jan 15, 2008 4:16 pm

wow.

I'm usually good at spending less than I make. My bank has zero bank charges if you pay three bills a month through their internet service and keep your balance above Euro 500 (about £350). Not bad.

I assume you shopped around for the bank with the least charges. You have to watch all that stuff like a hawk or they'll fu*k you up the ar*e (technical term

)

by **Sabre** » Tue Jan 15, 2008 4:21 pm

Leonmc0708 wrote:
Big Niall wrote:How could you have paid that much bank charges?

Simple:

Monthly
1 direct debit fails = £35
1 cheque bounces = £35
1 late payment = £35

12 months = £1260

3-4 years of something similar = £3780 to £5040

And thats just on one account.

And I thought our bank were abusive. Where's the government? our banks had to fine some important banks because some unfair charges in **word for the device that gives you money when you enter the credit/debit card**

Those charges cannot be true Leon!! If true, you should be in a civil war!!

by **woof woof !** » Tue Jan 15, 2008 5:33 pm

Bank charges are a disgrace , one of the biggest being they charge you £25 for sending you a letter to let you know you're overdrawn ! If you're overdrawn how the f'uck do they think you're gonna pay the additional £25 ? .

On the other hand it's not to difficult to arrange an overdraft facility , all you have to do is ask . Provided your account is usually ok they'll give you one.

by **kazza 1** » Tue Jan 15, 2008 6:57 pm

Big Niall wrote:How could you have paid that much bank charges?

Its very easy to your bank charges to amount to over 5 grand. What happened to me was I was putting my money in the bank to cover direct debits at the right time then the bank would take out their bank charges even though they gave me a date on which they would take their charges. That would leave me short in paying my direct debits. Next thing I would get hit with a direct debit return (which in my bank is £38). I had a £250 overdraft with them too and everytime I went over it they charged me £50. This mounts up over the years and I'm really hoping I will get back something. I dont want all of it but some would be nice.

by **JoeTerp** » Tue Jan 15, 2008 7:45 pm

Sabre wrote:**word for the device that gives you money when you enter the credit/debit card**

ATM

Automated Teller Machine

by **Sabre** » Tue Jan 15, 2008 11:01 pm

Cheers Joe!

by **account deleted by request** » Tue Jan 15, 2008 11:07 pm

We just call them cash machines

by **NANNY RED** » Tue Jan 15, 2008 11:07 pm

kazza 1 wrote:I know this has probably been done on here 100 times, but I was going to start reclaiming my bank charges from my bank and I was wondering has anyone else done this and got them back or is it a waste of time?? I have worked out that over the last 5 years they owe me round about £5,000 in charges. Any help would be appreciated.

Kazza claim them back someone i know got £2000 back and that was after the company who handled it for them had taken there money ,
Loads of people are doin it obviously you have to get a reputable company to handle it for you but go for it

by **JoeTerp** » Tue Jan 15, 2008 11:14 pm

s@int wrote:We just call them cash machines

my grandma calls em money machines and used to tease me saying that she had to go "buy" some money.

Was never fooled, never found it funny, But I love my grandma

by **account deleted by request** » Tue Jan 15, 2008 11:18 pm

JoeTerp wrote:
s@int wrote:We just call them cash machines

my grandma calls em money machines and used to tease me saying that she had to go "buy" some money.

Was never fooled, never found it funny, But I love my grandma

Seriously thats what we call them Joe, that and a few swear words when they eat your card

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Bank charges - Re: claiming them back

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