Bank charges

[cosalt]

Evening everyone, I have a thread going in 'getting out of debt' forum for credit card debts I am trying to resolve. I also have an IF current account that went with a IF mortgage.

 

After selling my house I cleared the mortgage debt but have noticed on my statements they had been charging me various amounts for returned direct debits etc for the last six months or so when we were not paying the mortgage, they were added to the mortgage account. They were also charging on the current account for going over the overdraft limit.

 

Can I still claim these back ? They most probably are more than the £500 overdraft still left on the account.

 

I had a feeling you cant claim bank charges back at the moment, they were on hold or something.

 

Thanks in advance.

[maroondevo52]

Hi, cosalt.

 

Yes, you can claim bank charges at the moment, almost all cases are being 'stayed' but if you start your claim and take it all the way to court, that way you will be in the queue, when the 'test case' concludes.

 

If you need any help, just shout.

 

I'll move your thread to the IF Forum, hopefully you'll get help in there

 

Regards.

 

Scott.

[Mr lex]

Hi Cosalt,

 

We recommend that you start to reclaim any bank charges as soon as possible.

 

They will probably try to tell you you can't claim because the case's are 'stayed' It is important that you ignore this and carry, only the courts can put a 'stay' on your claim.

Although the banks have a ongoing test case with OFT there are a number of reasons why you should start claim at court now.

 

Any older charges (coming up to 6 years) could be lost if you wait for the OFT case to end. Start your claim now and those charges are protected.

 

When the stays are finally lifted, you will be one of the first in the queue to get paid.

 

While the banks are protected by the stays, we the consumer, have no such protection and charges continue to mount up.

For some people this may mean going into default. If it is clear that the default was made in respect of charges and that it was lodged after a charges claim was begun then these users have a really excellent chance of having it removed.

 

Hope this helps

 

Lex

[cosalt]

Thanks for the quick replys ! I need to send a SAR letter to them presumably, I have seen the template on here.

 

Does this mean they won't pay out yet even if they dont dispute it ? Or just if I had to take them to court it would be put on hold ?

 

Thanks

[Mr lex]

Thanks for the quick replys ! I need to send a S.A.R - (Subject Access Request) letter to them presumably, I have seen the template on here.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

 

 

Does this mean they won't pay out yet even if they dont dispute it ? Or just if I had to take them to court it would be put on hold ?

 

I am afraid to say, when you take them to court (which you must) it will be put one hold. If you can claim Hardship, have a look here :-

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/154154-hardship-stayed-claims.html

 

Lex