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  • bank charges

    IS it really too late to revive an historic claim for bank charges. In January, using MSE template letters I tried to revive a claim for bank charges from 2000 - 2006. Although I know it was a while a go I felt it was worth a try as it totals around £25,800 and I have evidence that I tried years earlier to receive a refund. My husband tried to end his life in 2007 as a direct result of the pressure being placed on him by the banks and it has taken me some time to build the confidence to stand up against them without fearing the repercussions. However I havent heard anything from Lloyds not even confirmation of receipt. Then in MSE forum I was told the boat has sailed. Do I have any options now? Informed advice appreciated
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  • #2
    Re: bank charges

    Originally posted by kazman64 View Post
    IS it really too late to revive an historic claim for bank charges. In January, using MSE template letters I tried to revive a claim for bank charges from 2000 - 2006. Although I know it was a while a go I felt it was worth a try as it totals around £25,800 and I have evidence that I tried years earlier to receive a refund. My husband tried to end his life in 2007 as a direct result of the pressure being placed on him by the banks and it has taken me some time to build the confidence to stand up against them without fearing the repercussions. However I havent heard anything from Lloyds not even confirmation of receipt. Then in MSE forum I was told the boat has sailed. Do I have any options now? Informed advice appreciated
    Depends whether you argue historic financial hardship and that the bank were informed and did not do enough to help at that time. [MENTION=6]Amethyst[/MENTION] [MENTION=332]EXC[/MENTION] to comment as well
    "Family means that no one gets forgotten or left behind"
    (quote from David Ogden Stiers)

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    • #3
      Re: bank charges

      I listed the amounts, the effect it had then and now and that I asked at the time for a refund because of the effect they were having on our business and family finances. I have evidence from both suffolk business link and a company called ibas who also requested on our behalf. What do i need to do now if they havent replied

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      • #4
        Re: bank charges

        Originally posted by kazman64 View Post
        I listed the amounts, the effect it had then and now and that I asked at the time for a refund because of the effect they were having on our business and family finances. I have evidence from both suffolk business link and a company called ibas who also requested on our behalf. What do i need to do now if they havent replied
        What was the banks response? Did you ask for help during the period in which this happened and what did the bank say at the time?

        I just want to add one last thing: financial hardship and bank charges does not necessarily mean that the bank will refund charges but they can either waive charges or even temporarily extend an overdraft if it is clear that income coming in and priority debts ie mortgage,rent, utilities, council tax cannot be paid without doing so or that bank charges are preventing this.
        "Family means that no one gets forgotten or left behind"
        (quote from David Ogden Stiers)

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        • #5
          Re: bank charges

          Originally posted by kazman64 View Post
          I listed the amounts, the effect it had then and now and that I asked at the time for a refund because of the effect they were having on our business and family finances. I have evidence from both suffolk business link and a company called ibas who also requested on our behalf. What do i need to do now if they havent replied
          Were the bank charges made to a personal or business account, or a mixture of both?

          I like your pin shot
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          • #6
            Re: bank charges

            Mix of both

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            • #7
              Re: bank charges

              How much in charges were from personal accounts?

              I like your pin shot
              I keep it with your letter
              Done up in blueprint blue
              It sure looks good on you
              And when you smile for the camera
              I know I'll love you better

              Then the shutter falls
              You see it all in 3-D
              It's your favorite foreign movie

              'Peg'

              Donald Jay Fagen

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              • #8
                Re: bank charges

                £14,153 total of which £4200 was persona bank
                £1,913 interest
                Then Insurance charges total £9,763

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                • #9
                  Re: bank charges

                  What was the insurance? Was that a PPI policy ? and again was that personal or business?
                  £4200 was on your personal accounts - you've added the £1913 interest (8% stat?)
                  Do you know if these charges were unauthorised overdraft, bounced direct debit etc?

                  The business account charges - were they transaction fees or also unauthorised OD etc?
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                  • #10
                    Re: bank charges

                    Originally posted by Amethyst View Post
                    What was the insurance? Was that a PPI policy ? and again was that personal or business?
                    £4200 was on your personal accounts - you've added the £1913 interest (8% stat?)
                    Do you know if these charges were unauthorised overdraft, bounced direct debit etc?

                    The business account charges - were they transaction fees or also unauthorised OD etc?

                    Private was mix unpaid chq, overdraft interest and od excess charges

                    Bus account was unauthzd borrowing fees, chq fees for unpaid chqs and a monthly focus charge we didnt request and asked them to remove at the time

                    Insrance was on business loans taken out by hubby as sole trader which again we asked at the time to remove and recalculate as it included me and wasnt relevant
                    Last edited by Amethyst; 13th March 2017, 14:15:PM.

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