This topic was closed on 10 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 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

he has opened an account with RBS, but as yet hasn't had the opportunity to visit the D.S.S to arrange the change of account details as he suffers from back pains and can't always get out and about, the question was though, where does he stand on getting at least a portion of the monies back

My brother in law had a student account, which HBoS saw fit to furnish with a £1,000 overdraft and credit card. He has since left college and is claiming benefits, but the bank strip his account of whatever funds are placed into the account. I was wondering about the legality of this practice and as such, where he stands in regard to claiing any of this money back

i've seen a few threads where people state they can access their statements online, i am signed up for online banking with HBoS but can't for the life of me find my statements online, any help would be appreciated

i asked the same question and got this answer "one company, one request, one charge, regardless of number off accounts"

30 quid charges, ur lucky, HBoS charges me 39 quid a pop:-x

so even more unlawful shenanigans to add ammo to my claim:cool:

Letters like this one:mad: aren't they supposed to give you 14 days notice? Dear Mr ********* Notification of an unpaid Direct Debit / Standing Order We haven't been able to pay the item(s) shown below because there wasn't enough money in your account. Where we haven't paid a standing order, please don't forget to make other arrangements for this payment. If the failed payment is a direct debit, you'll need to contact the collecting organisation to see when they'll try to collect the money again. To cover our costs, we make a charge of £39 (maximum 3 charges per day) for any item we can't pay. We will take this money from your account seven days from the date of this letter. If there's anything we can do to help you please contact us. Yours sincerely Garry R D Kettle Manager Personal Banking Services This certainly wasn't my fault, as the receiving organisation had sent me a letter stating they would be requesting £45, then requested £49, only £4, I know, but I had enough to cover the amount I was expecting to pay. Was I refunded by the bank when i explained what had happened? the answer is a resounding NO

Exactly, now whenever i get a letter from the bank, I make sure to lube up before i open it, but now the boot is on the other foot, and I will be sending some K.Y. with my DPA:-D:D

HBoS never pays my DD's if there is insufficient funds, yet still charge me £39 for their trouble (7 days after the DD is actioned, might i add) I have a basic account for my direct debits, and on the occasions where i have been unable to pay in funds to cover DD's in time I am charged £39 for nothing but a letter telling me They will be STEALING £39 from me in 7 days. Until now, i have always believed these charges to be perfectly above board (after all, it's the bank, surely THEY wouldn't do anything unlawful) If they'd paid the DD's for me, then charged me £39 on top for the service, then I wouldn't really have any problem with it, as I would see it as a service charge, but, as it stands, they're fleecing me for every penny they can and I WANT IT BACK!

thanks to both of you:-) EDIT: Also, HBoS only gives me 7 days notice of charges to be taken

I have several accounts with HBos but am unsure if when I send off my DPA if it's £10 for all the information, or £10 for each account I require information on (been reading a lot about it, but new to the whole claiming it back situation) Any help would be greatly appreciated Thanks in advance Ian