This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 08 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

I would encourage everyone to complain to the Financial Ombudsman. It costs Paypal UK £500 in fees for every case opened against them. They use poor excuses to hold money for 180 days, mine included and I'm currently threatening legal action and will pursue them through the County Court for my money. Some information here to help with getting your money back: Category: 1 - iWasSuspendedFromEbay FORUM - iWasSuspendedFromEbay

"Many times i hear people say, "i'd take paypal to court but it's too much hard work now they don't have a UK office". Well thats not true, i'm sure paypal would probably prefer not to tell you about it which is why they don't exactly shout about it but they do have a UK address where court papers can be served, that address is; PAYPAL (EUROPE) LTD WHITTAKER HOUSE WHITTAKER AVENUE RICHMOND SURREY TW9 1EH And you can also ring this office on a standard landline number and then press one on the options to be diverted through to the dublin call centre, that way you pay the standars rate for ringing a landline instead of premium 0870 number rates, The landline number is: 020 8605 3000" There you go. I'd like to see a class action suit for UK users and end their illegal practices once and for all.

No Zooman, the original post was old, but I was hoping for a qualified reply which recent posters gave. So a very worthwhile contribution! It's tough one. Spending £10 on bank statements for each creditor and going down a very thorough legal minefield doesn't sound too appealing. I did a very quick estimate on my BR amount and say £30 for each charge..comes to 666 charges over the last 6 years. 9 each month. Bank charges may well have exceeded my bankruptcy amount.

Sorry to bring this old thread up again. But I have a question relating to bank charges and bankruptcy. Can anyone with a legal background tell me is it possible to reclaim 6 years of charges after bankruptcy? These charges would have not been included in the br. I am wondering do I have a leg to stand on when it gets to the small claims court. Better to know now!

Everybody is one year now. Northern Ireland was supposed to follow English law on the 28th March 2006, but they are very slow with press releases.

Tony, I have the same dilema. At present I am requesting the statements and then I'll take it from there. I imagine doing this closer to your discharge will be better if your charges actually exceed your bankruptcy amount. I'm confident that bank charges sent me into banruptcy. http://www.consumeractiongroup.co.uk/forum/showthread.php?p=31093#post31093 edit: The OR will find your re-imbursed charges in your account, there's no hiding whilst you're undischarged.

Thanks for that, I couldn't see any info in FAQ. I'm surprised they are refunding charges in full.

What is the significance of the OFT's £12 charge? Are we claiming the difference between £12 and £30 eg? Or do we claim the lot?

Why don't you claim for the years 2000 - 2003, then move on to the next half afterwards?

We're from Norn Iron so we are

Yes I know but I'm just highlighting the level of charges they are prepared to add. Alliance and Leicester/ MBNA would be the worst of the lot. It takes quite a while for the cc companies to find out about yor BR. I read their court action letters with amusement now. Fow now I am going to collect the statements and take it from there.

I have just less than a year until I'm discharged but I've got to look into this properly. Some people are discharged after 6 months if the case is straightforward. There is something about a 3 year period where your income is looked into, but don't quote me on that. I declared myself bankrupt, it's very unlikely that a bank/cc will do you the favour. I am aware that the Official Receiver will steal any excess income but I can get away with extra money on a technicality! My job finishes at the end of term so I'll have zero income. I would prefer to do this after I'm discharged, so I'm doing my research before I go ahead with everything. And wouldn't it be sweet if my unlawful charges exceeded my actual debt. I would lose half of my wages on bank charges because my employer never paid me on time. This left me with nothing to pay the credit cards so they added more charges. Failing another direct debit because there's nothing left in my account and the cc minimum payment gets larger. Barclaycard demanded £700 one month when I missed payments. In the end I stopped paying them altogether and went BR. The cc companies still send me statements adding £100 in charges each month. I would have no problems sueing them. Anyone in serious debt or going through financial hell should go here: http://www.debtquestions.co.uk/ and go to the forum.

I'm an un-discharged bankrupt and I'm about to start the process of reclaiming charges placed on my accounts. I realise that my debts have been wiped clear and I should just leave it at that, but for years these illegal charges consumed my wages. I did ask politely last year for my bank to reconsider the charges but they passed the blame onto someone else. I partly blame these charges for my bankruptcy and the hell I went through for years leading up to it, so now I begin the enquiry to see how these charges destroyed me financially. Any bankrupts considered recovering these charges?