Claiming Back Bank Charges - Looks like the bubble has burst

[Bunnylingus]

Um, just to let whoever know (incase you never already), this isn't the end of claiming back bank charges. This guy was offered a settlement out of court and decided to go to court.
The government are set to announce the law on bank charging in January I think. So up untill then you are free to claim as you normally have done.

OFT, shoulda done it in April but now its December, or so they were telling the banks.

[thetruemayhem]

In scottish law you can claim back all your charges for the past 5 years (or 6 in england).

t.

[Jen-Y]

I got £20 of my £40 charge back a couple of weeks ago with a letter tha basically said "we don't need to pay you this back and we're just doing it to shut you up so we suggest you dont take it any further or WE WILL OWN YOU"

Needless to say im leaving i at that.

[LesMTS]

In scottish law you can claim back all your charges for the past 5 years (or 6 in england).

t.

There is no law about this. Some lawyers argue that, under contract law, it's legal, some that it's illegal. It won't be clear one way or another until the government intervenes or the high court sets a precedent.

[0x21]

Bearing in mind some of that £90 is charges for having charges?

Charges for having charges is plain illegal, and banks will rectify it when you point it out as the automated systems don't seem to catch it.

[Tomm]

I got 75 quid of bank charges back a month or so ago.

Git it up ye, bank!

[StuntGirl]

Charges for having charges is plain illegal, and banks will rectify it when you point it out as the automated systems don't seem to catch it.

I know its illegal, I wasn't aware it was a systems mistake though...Still but, they're not exactly falling over themselves to help you. I'm going for the lot. Kit and caboodle

[nevali]

There is no law about this. Some lawyers argue that, under contract law, it's legal, some that it's illegal. It won't be clear one way or another until the government intervenes or the high court sets a precedent.

Not quite; you're perfectly able to make a claim: there's no definitive ruling as to whether (and under what circumstances) you'll be successful.

The 5/6 years is down to how long they have to retain your data for. They're not going to refund any charges made ten years ago if they don't have any records of your account from back then.

[Rosco]

Not quite; you're perfectly able to make a claim: there's no definitive ruling as to whether (and under what circumstances) you'll be successful.

The 5/6 years is down to how long they have to retain your data for. They're not going to refund any charges made ten years ago if they don't have any records of your account from back then.

I was pretty sure that the 5/6 years was to do with the statute of Limitations? Maybe someone can clear that up.

to Addy again being an utter twat and standing up for the banks.

[Zippy]

They've said I'm not getting anything, a few websites have said this happens and to batter off another letter which I'll be doing today.

[Rosco]

They've said I'm not getting anything, a few websites have said this happens and to batter off another letter which I'll be doing today.

Aye, just keep going man, they always say no first time. Have you tried joining the Consumer Action Group forum and using their standard letters? Best as well changing the letter a bit so they don't just send you standard replies.

[Zippy]

I've been using the letters from Govan Finance centre, if I don't get any decent reply then I'll have a swatch at the consumer action group.

[Bunnylingus]

Are they not all pretty muhc the same?

[Rosco]

The Govan Law Centre ones are really good, more info on the CAG though.

[Rosco]

twice i've slagged off banks on AltNation and twice Addy has negged me