Bank charges

[emmakwall]

I sent a letter to my bank asking for my bank charges back, over a year ago.

In that time I also requested my old bank statements though I have not yet sent those off.

I didn't realise that after 14 days you had the right to write again and so did not do so. I have now however just received a letter from my bank (the first one so far) declining to pay back my charges. The letter states that since the court case dated 25th Nov 2009 they do not have to pay the charges back, but obviously they must have received my letter way before this date.

Is there anything I can do to move this forward or just a write off?

[squarebear]

"How do you think my bank, which only charges a very tiny amounf for every day I am overdrawn makes money?"

Surely you have just answered your own question?

[Mustardmit]

*Emmakwall* I *insist* that you visit this site which gave details about how to do this "properly". I tried to reclaim the charges, this site takes you through all the steps and is updated regularly about the current situation. Last time I read it, despite losing in the courts, the guy who has been leading th campaign says there is still hope. Media URL: http://www.moneysavingexpert.com/reclaim/bank-charges
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[squarebear]

<-- confused

[ummmm]

NO Damaskrose....live within your means. Do not go overdrawn....get a better job.

[ummmm]

If you know that you will be charged £35 to go overdrawn....don't go overdrawn....simple. If you haven't enough money to live on a month either cut back or get a better paid job. That is also simple.

[ELVIS68]

All well and good saying change the dates, but if you`re on a tight budget and they charge you £35 say twice a month, then when they go and take the £75 and it fooks up another DD payment, it`s a slippery slope, yes I`d love to have enough in my account to cover it but I don`t, and I`d have no qualms about paying the £4.50 it costs them but £35 is too much

[jno]

damaskrose, if you go into overdraft you are taking the bank's money. Why wouldn't they charge you? They're a bank. If you deposit £100 with them, you can do what you want with it, but you can't withdraw £101 because you haven't got £101.

[jno]

ummmm's advice is not personal, it is financial, and very good advice it is too. Don't go overdrawn and you won't have to pay their charges.

[jno]

because that's what you signed up to when you opened the account, that's why. If you don't like it, find a new bank that won't mind you helping yourself to its money, or keep it under the mattress. It's their bank, their rules. I'm not at all obtuse about how banking works and neither is ummmm.

[ummmm]

Well borrow that few pence from a mate then....

[ummmm]

I have been without food to avoid charges. I knew what those charges would be so I chose to go without. If I didn't I would have had even less the next month.

The thing is....I KNEW what the charges would be so I made a choice.

You also have that option....

[ummmm]

Yes I do have sympathy for them....but that's what they signed up to.