supra steveo Posted August 30, 2007 Share Posted August 30, 2007 know where i can get it ? ive tried but having some probs Quote Link to comment Share on other sites More sharing options...
dwayne Posted October 25, 2007 Share Posted October 25, 2007 sorry for the ressurection but i was wondering if this is still a legal thing. anybody know? Quote Link to comment Share on other sites More sharing options...
adam bell Posted October 25, 2007 Share Posted October 25, 2007 i thinks all on hold pending a trial with the banks in court Quote Link to comment Share on other sites More sharing options...
Trig Posted October 25, 2007 Share Posted October 25, 2007 anyone know when the trial is? Quote Link to comment Share on other sites More sharing options...
supra steveo Posted October 25, 2007 Share Posted October 25, 2007 get your claims in still the same and try as normal is what ive been told, credit cards have not chaged yet so you can still get cash out of them (apprently, i will let you all know in a few weeks ) Quote Link to comment Share on other sites More sharing options...
hogmaw Posted October 25, 2007 Share Posted October 25, 2007 Can't believe some of the figures on this list? Have you guys really paid out over £1000 in bank charges in 6 years??!??! Easy done when you have a joint account and a bird who loves shopping Quote Link to comment Share on other sites More sharing options...
Marco Posted December 3, 2008 Share Posted December 3, 2008 Anyone knows if you can still claim back bank charges now? A friend of mine has been charged quite often lately. Quote Link to comment Share on other sites More sharing options...
mr keef Posted December 3, 2008 Share Posted December 3, 2008 im sure they stopped it until a desicion is made at court,but i think you can still get the ball rolling by sending your request for statements etc. Quote Link to comment Share on other sites More sharing options...
MrRalphMan Posted December 3, 2008 Share Posted December 3, 2008 Anyone know the status of the case and any time scales? Quote Link to comment Share on other sites More sharing options...
supra_aero Posted November 23, 2009 Share Posted November 23, 2009 2 days left until the final ruling! http://www.guardian.co.uk/money/2009/nov/23/bank-charges-ruling-refund-claims Oooo I must say I hope the banks lose this one. All my uni days of where they screwed me over with those extortionate charges. I'll be looking at a very nice xmas present from my bank. I can't see how the banks would ever win. Anyone else looking forward to their bonus nest egg I am looking to get over £650 in fees! Quote Link to comment Share on other sites More sharing options...
marbleapple Posted November 23, 2009 Share Posted November 23, 2009 2 days left until the final ruling! http://www.guardian.co.uk/money/2009/nov/23/bank-charges-ruling-refund-claims Oooo I must say I hope the banks lose this one. All my uni days of where they screwed me over with those extortionate charges. I'll be looking at a very nice xmas present from my bank. I can't see how the banks would ever win. Anyone else looking forward to their bonus nest egg I am looking to get over £650 in fees! How did you manage to incurr £650 in fees? Is that you constantly going over your agreed overdraft? I used to work in a bank and whilst I agree that the charges were too high, it always amazed me how people never seemed to realise that it was their fault for incurring the fees in the 1st place. Quote Link to comment Share on other sites More sharing options...
supra_aero Posted November 23, 2009 Share Posted November 23, 2009 How did you manage to incurr £650 in fees? Is that you constantly going over your agreed overdraft? I used to work in a bank and whilst I agree that the charges were too high, it always amazed me how people never seemed to realise that it was their fault for incurring the fees in the 1st place. Yeh basically. Thing is banks used to be very bad that if you spent on your card (swiped), the debit wouldn't come out for anytime between 3-14 days later. By which time you have assumed its come out. And spend on that basis... then 2 weeks later "WHAM" you are into your overdraft limit. And if you don't check your balance every day it could be days until you notice, whilst the bank is racking up £25/day. V.unfair - these were the days before internet banking so it wasn't so easy to check your balance. And as a student you might not live near a cash machine - no car to get to one etc. etc. Quote Link to comment Share on other sites More sharing options...
supra steveo Posted November 23, 2009 Share Posted November 23, 2009 well if it applies to credit cards i am looking at over 2K .............. will go nicely toward a 6 speed conversion lol Quote Link to comment Share on other sites More sharing options...
Matt H Posted November 23, 2009 Share Posted November 23, 2009 Yeh basically. Thing is banks used to be very bad that if you spent on your card (swiped), the debit wouldn't come out for anytime between 3-14 days later. By which time you have assumed its come out. And spend on that basis... then 2 weeks later "WHAM" you are into your overdraft limit. And if you don't check your balance every day it could be days until you notice, whilst the bank is racking up £25/day. V.unfair - these were the days before internet banking so it wasn't so easy to check your balance. And as a student you might not live near a cash machine - no car to get to one etc. etc. I had a hard time keeping on track of my money when I was 19 and had my first place. I've had a payment come out over a month later from a restaraunt once! If the individual is hard pushed one month, this kind of thing is a killer. My card allows me to see my balance at all times, including the pending transactions. I'm pretty sure bank accounts don't do this. I can imagine it's very easy for people to get stung by their banks. For example: - An individual thinks they have x amount of money in their account (this is incorrect as pending transactions mean they have less) - Y ammount trys to be taken (the pending transaction), which they don't funds to cover. So, they get stung say £30 for the direct debit, then as this has now taken them over drawn, they get another £30. So that's £60 that they didn't have to start with, so it's a downwards spiral for next month. Quote Link to comment Share on other sites More sharing options...
carl0s Posted November 23, 2009 Share Posted November 23, 2009 I've had a payment come out over a month later from a restaraunt once! That might be because it didn't go through first time and they kept re-trying ? My card allows me to see my balance at all times, including the pending transactions. I'm pretty sure bank accounts don't do this. Yes they do. If you have £500 in your account and you spend £50 on your debit card, as soon as you go to a cash machine you will see: Account Balance: £500 Available Balance: £450 Like, right away. Quote Link to comment Share on other sites More sharing options...
supra_aero Posted November 24, 2009 Share Posted November 24, 2009 Yes they do. If you have £500 in your account and you spend £50 on your debit card, as soon as you go to a cash machine you will see: Account Balance: £500 Available Balance: £450 Like, right away. 2 years ago that was not the case for Lloydstsb and Barclays. It would still show £500 for some transactions for up to 2 weeks, even 4 or more odd weeks in some cases. HSBC and some others were good at doing what you say, others like Barclays and Lloyds were not. Quote Link to comment Share on other sites More sharing options...
supra_aero Posted November 24, 2009 Share Posted November 24, 2009 I had a hard time keeping on track of my money when I was 19 and had my first place. I've had a payment come out over a month later from a restaraunt once! If the individual is hard pushed one month, this kind of thing is a killer. My card allows me to see my balance at all times, including the pending transactions. I'm pretty sure bank accounts don't do this. I can imagine it's very easy for people to get stung by their banks. For example: - An individual thinks they have x amount of money in their account (this is incorrect as pending transactions mean they have less) - Y ammount trys to be taken (the pending transaction), which they don't funds to cover. So, they get stung say £30 for the direct debit, then as this has now taken them over drawn, they get another £30. So that's £60 that they didn't have to start with, so it's a downwards spiral for next month. Yup - and on top of that, the overdraft penalty charges comes out a random date 2-3 months afterwards (granted they do tell you in advance). And if thats £75, wham you are over your limit again. And the cycle keeps happening. Quote Link to comment Share on other sites More sharing options...
Matt H Posted November 24, 2009 Share Posted November 24, 2009 That might be because it didn't go through first time and they kept re-trying ?. It doesn't matter why, it happened. Yes they do. If you have £500 in your account and you spend £50 on your debit card, as soon as you go to a cash machine you will see: Account Balance: £500 Available Balance: £450 Like, right away. Like, no it didn't happen like that, and it still doesn't with Natwest, but it's touch and go. The issues I describe were 6 years ago though. Quote Link to comment Share on other sites More sharing options...
martini Posted November 24, 2009 Share Posted November 24, 2009 I used to work in a bank and whilst I agree that the charges were too high, it always amazed me how people never seemed to realise that it was their fault for incurring the fees in the 1st place. When you are a student and have to pay for things, there is no escaping it. Quote Link to comment Share on other sites More sharing options...
RiceRocket Posted November 24, 2009 Share Posted November 24, 2009 I understood it was my fault for going overdrawn and incurring charges, but I was annoyed at being charged £30 by the bank to refuse a cheque/direct debit when it was revealed by one of those whistleblower documentaries that it actually only cost the bank up to £2 to process. I got my £1200 refund before all this court malarkey Quote Link to comment Share on other sites More sharing options...
Whitesupraboy2 Posted November 25, 2009 Share Posted November 25, 2009 doesnt matter anyway, the banks won http://news.bbc.co.uk/1/hi/business/8376906.stm Quote Link to comment Share on other sites More sharing options...
supra_aero Posted November 25, 2009 Share Posted November 25, 2009 Blatantly because they wouldn't have been able to afford paying it back. Simple as. Ah well. Quote Link to comment Share on other sites More sharing options...
Matt H Posted November 25, 2009 Share Posted November 25, 2009 Lord Phillips, the U.K's new number figure of hate! This is the guy that also come out with this: http://news.bbc.co.uk/1/hi/uk/7488790.stm Quote Link to comment Share on other sites More sharing options...
Matt H Posted November 25, 2009 Share Posted November 25, 2009 Martin Lewis of moneysavingexpert.com had this to say about the supreme court ruling: 'Lord Phillips is a mother fu... bleep bleep bleep" Quote Link to comment Share on other sites More sharing options...
Thorin Posted November 25, 2009 Share Posted November 25, 2009 So the banks can now go ahead and charge whatever fees they like, way to go Lord Phillips. Glad I got my claim in and sorted before everything got suspended now. Quote Link to comment Share on other sites More sharing options...
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