Bank Charges

[sloane82]

I have had hundreds of pounds worth of bank charges I took it to the financial ombudsman service got some charges back but I have more, I sent information to the fos again and they were not very helpful Is there a way I can get these back also I had a student account with the Co-operative bank which I have a debt collection agency after me.

[Amethyst]

Didn't you take the bank charges case to court and had the case dismissed ? Or is this a different bank ? FOS won't look at one that's already been to court.

What are co-op after ? repayment of overdraft ? When did you default on the account ?

[sloane82]

These are recent charges I'm in financial difficulty and the banks and building societies dont care just keep putting charges, on my account I have called them up I had one goodwill gesture on each account, I had loads of interest on my co-operative account, I will be taking them to the small claims courts and others.

[sloane82]

But bank charges are illegal under the Unfair Terms Of Consumer Contract Regulations 1999?

[sloane82]

I have contacted the Financial Ombudsman Service regarding this is there a way I can get all my charges back?

[des8]

I think you may have misunderstood the position (https://swarb.co.uk/office-of-fair-t...c-25-nov-2009/) but it may still be worth trying to reclaim your charges. (https://www.moneyadviceservice.org.u...r-bank-charges)

[sloane82]

Cheers I have wrote the template letter I think it will be small claims courts next.