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Do you think i have a chance of reclaiming my bank charges


bluwind
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Hiya all, someone recently told me that i should try and reclaim my bank charges, these charges basically put my whole life on hold for 3 years, i had 4 young kids and a minimum wage job while trying to hold everything together, anyway this is a list of my charges with amounts and dates.. i have read you can claim that one charge was causing the next one and so on, and this is grounds for trying to reclaim your charges.

and sorry about the formatting im not very good on computers, it comes to £3300 in total ovver 3 1/2 years

 

 

 

16-Aug-05

 

Interest

 

£1.10

 

 

 

17-Oct-05

 

Charges

 

£60.00

 

 

 

17-Oct-05

 

Interest

 

£1.72

 

 

 

17-Dec-05

 

Charges

 

£125.00

 

 

 

17-Dec-05

 

Interest

 

£1.78

 

 

 

16-Jan-06

 

Charges

 

£125.00

 

 

 

16-Jan-06

 

Interest

 

£1.81

 

 

 

16-Feb-06

 

Charges

 

£75.00

 

 

 

16-Feb-06

 

Interest

 

£1.07

 

 

 

19-Mar-06

 

Charges

 

£25.00

 

 

 

19-Mar-06

 

Interest

 

£0.74

 

 

 

24-Mar-06

 

Charges

 

£30.00

 

 

 

16-Apr-06

 

Charges

 

£125.00

 

 

 

16-Apr-06

 

Interest

 

£0.94

 

 

 

17-May-06

 

Charges

 

£50.00

 

 

 

17-May-06

 

Interest

 

£1.11

 

 

 

16-Jun-06

 

Charges

 

£90.00

 

 

 

16-Jun-06

 

Interest

 

£0.85

 

 

 

17-Jul-06

 

Charges

 

£125.00

 

 

 

17-Jul-06

 

Interest

 

£1.71

 

 

 

16-Aug-06

 

Charges

 

£50.00

 

 

 

16-Aug-06

 

Interest

 

£1.63

 

 

 

16-Sep-06

 

Charges

 

£75.00

 

 

 

16-Sep-06

 

Interest

 

£0.73

 

 

 

02-Oct-06

 

Charges

 

£30.00

 

 

 

17-Oct-06

 

Charges

 

£45.00

 

 

 

17-Oct-06

 

Interest

 

£1.27

 

 

 

01-Nov-06

 

Charges

 

£30.00

 

 

 

16-Nov-06

 

Charges

 

£25.00

 

 

 

16-Nov-06

 

Interest

 

£1.09

 

 

 

17-Dec-06

 

Interest

 

£0.73

 

 

 

16-Jan-07

 

Charges

 

£25.00

 

 

 

16-Jan-07

 

Interest

 

£0.70

 

 

 

16-Feb-07

 

Charges

 

£25.00

 

 

 

16-Feb-07

 

Interest

 

£0.67

 

 

 

12-Mar-07

 

Charges

 

£25.00

 

 

 

19-Mar-07

 

Interest

 

£1.21

 

 

 

16-Apr-07

 

Charges

 

£50.00

 

 

 

16-Apr-07

 

Interest

 

£1.48

 

 

 

17-May-07

 

Charges

 

£50.00

 

 

 

17-May-07

 

Interest

 

£1.84

 

 

 

16-Jun-07

 

Charges

 

£25.00

 

 

 

16-Jun-07

 

Interest

 

£1.25

 

 

 

24-Jun-07

 

Charges

 

£25.00

 

 

 

17-Jul-07

 

Charges

 

£95.00

 

 

 

17-Jul-07

 

Interest

 

£1.44

 

 

 

16-Aug-07

 

Charges

 

£125.00

 

 

 

16-Aug-07

 

Interest

 

£1.93

 

 

 

17-Sep-07

 

Charges

 

£50.00

 

 

 

17-Sep-07

 

Interest

 

£1.89

 

 

 

11-Oct-07

 

Charges

 

£25.00

 

 

 

12-Oct-07

 

Charges

 

£25.00

 

 

 

17-Oct-07

 

Charges

 

£140.00

 

 

 

17-Oct-07

 

Interest

 

£2.74

 

 

 

16-Nov-07

 

Charges

 

£71.00

 

 

 

16-Nov-07

 

Interest

 

£3.73

 

 

 

17-Dec-07

 

Charges

 

£100.00

 

 

 

17-Dec-07

 

Interest

 

£7.24

 

 

 

16-Jan-08

 

Charges

 

£24.00

 

 

 

16-Jan-08

 

Interest

 

£5.61

 

 

 

16-Feb-08

 

Charges

 

£75.00

 

 

 

16-Feb-08

 

Interest

 

£7.04

 

 

 

19-Mar-08

 

Charges

 

£175.00

 

 

 

19-Mar-08

 

Interest

 

£7.91

 

 

 

16-Apr-08

 

Charges

 

£25.00

 

 

 

16-Apr-08

 

Interest

 

£6.59

 

 

 

17-May-08

 

Charges

 

£100.00

 

 

 

17-May-08

 

Interest

 

£7.99

 

 

 

16-Jun-08

 

Charges

 

£75.00

 

 

 

16-Jun-08

 

Interest

 

£8.73

 

 

 

17-Jul-08

 

Charges

 

£100.00

 

 

 

17-Jul-08

 

Interest

 

£8.76

 

 

 

16-Aug-08

 

Charges

 

£150.00

 

 

 

16-Aug-08

 

Interest

 

£8.98

 

 

 

16-Sep-08

 

Charges

 

£100.00

 

 

 

16-Sep-08

 

Interest

 

£10.52

 

 

 

17-Oct-08

 

Charges

 

£150.00

 

 

 

17-Oct-08

 

Interest

 

£9.01

 

 

 

16-Nov-08

 

Charges

 

£125.00

 

 

 

16-Nov-08

 

Interest

 

£7.96

 

 

 

17-Dec-08

 

Charges

 

£75.00

 

 

 

17-Dec-08

 

Interest

 

£12.71

 

 

 

16-Jan-09

 

Interest

 

£13.69

 

 

 

16-Feb-09

 

Interest

 

£15.10

 

 

 

19-Mar-09

 

Interest

 

£13.79

 

Total

 

 

£3,303.79

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Since the banks won the test case they have become smug over the whole situation. If you can prove hardship then you have a chance. If you did this before the test case ruling then you would have got them all back in a matter of weeks. You have to show you are in genuine hardship and if they do decide to pay you out then they might even close your bank account so if they confirm they are paying I would go elsewhere and get a new account.

˙os op oʇ pǝʞsɐ ssǝlun ǝƃɐssǝɯ ǝʇɐʌıɹd ʎq ǝɯ ʇɔɐʇuoɔ ʇou op ǝsɐǝlԀ ˙pǝɹnɔɔo sǝssol ʎuɐ ɹo ǝɹnlıɐɟ ɟo ʇlnsǝɹ ɐ sɐ ǝlqɐıl plǝɥ ǝq ʇou llɐɥs I ˙llıʍpooƃ ɟo ǝɹnʇsǝƃ ɐ sɐ os ǝuop sı uǝʌıƃ ǝɔıʌpɐ ʎu∀

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Well, proving the hardship shouldnt be to hard, for the first 8 months of the bank charges i was on job seekers allowence. in all honestly, The bank refused me last year but i am asking them to review it again - i intend to send the case to the omnidsbudman and need to ask the bank again first

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Just give it a shot. You havent got much to loose

˙os op oʇ pǝʞsɐ ssǝlun ǝƃɐssǝɯ ǝʇɐʌıɹd ʎq ǝɯ ʇɔɐʇuoɔ ʇou op ǝsɐǝlԀ ˙pǝɹnɔɔo sǝssol ʎuɐ ɹo ǝɹnlıɐɟ ɟo ʇlnsǝɹ ɐ sɐ ǝlqɐıl plǝɥ ǝq ʇou llɐɥs I ˙llıʍpooƃ ɟo ǝɹnʇsǝƃ ɐ sɐ os ǝuop sı uǝʌıƃ ǝɔıʌpɐ ʎu∀

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