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"Worth 5 minutes of anyones time ... !"

If you have a bank account and have been charged for going overdrawn, direct debits being rejected, whatever ... read this :

[URL]http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632[/URL]

and this :

[URL]http://news.bbc.co.uk/1/hi/business/6170209.stm[/URL]

Someone may have posted it before, or not, doesn't matter really ... if anyone has missed it and has a good chance of making a claim then it's worth me posting it.

I've had countless hundreds of pounds taken from me due to going overdrawn by £5 here, a tenner there, over the years. I'm willing to bet there's a substantial amount of my hard earned money lining some rich assh**** pocket, and I intend to try and get it all, or as much as I can, back.

It seems to be a very grey area with regards to legality and success, but if you read both of those articles, the results sound very promising.

So, I'm just putting the finishing touches to a letter addressed to my bank manager, if all goes well I could be looking at a decent payout. At the worst I'll get my account closed ... not the end of the world. These charges are in most cases totally unfair and disproportional to the 'costs' the bank are incurring.

Enjoy reading and good luck to those who choose to act on the advice! :)

If you have a bank account and have been charged for going overdrawn, direct debits being rejected, whatever ... read this :

[URL]http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632[/URL]

and this :

[URL]http://news.bbc.co.uk/1/hi/business/6170209.stm[/URL]

Someone may have posted it before, or not, doesn't matter really ... if anyone has missed it and has a good chance of making a claim then it's worth me posting it.

I've had countless hundreds of pounds taken from me due to going overdrawn by £5 here, a tenner there, over the years. I'm willing to bet there's a substantial amount of my hard earned money lining some rich assh**** pocket, and I intend to try and get it all, or as much as I can, back.

It seems to be a very grey area with regards to legality and success, but if you read both of those articles, the results sound very promising.

So, I'm just putting the finishing touches to a letter addressed to my bank manager, if all goes well I could be looking at a decent payout. At the worst I'll get my account closed ... not the end of the world. These charges are in most cases totally unfair and disproportional to the 'costs' the bank are incurring.

Enjoy reading and good luck to those who choose to act on the advice! :)

hehe don't worry Borat ^^ just look at my thread about this, Machie Vs Barclaycard.

I already sent my letter off to them and they gave me half of it back. I just need to get the rest now =) which might mean taking them to court.

You should sign up on www.penaltychargesforum.com or .co.uk it's run by the first person who started all this and successfully sued Aliance and Leicester I think it was.

They are more than helpful and have all the letters ready for you :)

They did the BBC article.

Also you wont get your account closed, though they might not like you =) one guy sued a bank for closing his account and he won.

The banks and card comapnies just want to scare you as much as possible to back out.

But the truth is, if you put a little effort (writing and sending the letters) and money (sending them record special delivery) then you'll get every single penny back in the last 6 years.

Don't forget to keep us updated on how this goes. I think next Thursday I have to sort out the court date. It's just a formality, I'll end up cancelling it before the date, when they settle with me for every penny + interest + court fee =)

Currently I'm waiting for a complete list of all charges imposed upon my account in the last 6 years. They have, by law, up to 8 weeks to provide this and I just know they're going to be an a**e about it.

Here's hoping they don't bring in some new legislation that works in the banks favour, in the mean time ... :(

It'll be okay =) but yeah thank god I kept all my statements. It seems to be the main hurdle if you dont have them because it involves giving them money (which we dont want to do) and waiting over a month.

By law they can only charge you £10 for all 6 years worth of statements, but they've been trying to get more by saying it's £3 per statement. For some reason they seem to keep forgetting that ¬_¬ I guess they use it as a tactic to scare off people.

It's their only defense, scare them into quitting and the sooner they do that the more money they save.

I sent them a letter and a cheque for 10 squid. All the info and letter templates are on that moneysavingexpert site, so all I have to do now is wait for them to pull their fingers out. :)

Do you know how much they might owe you? Dont forget any charges you're getting now, can be included. I thought £24 a charge was a lot but I think some banks have charged even more. It's a joke I'm so glad we're all getting the money back.

I'm sure the money would come in handy if you total it up to £200+ =D

Still cant believe some people have had charges of up to £1000s and with several banks/cards too.

I'd say it's in the region of a grand, though I can't be that sure. It may be much more, but I very much doubt it's less. During my period of unemployment late last year they took about 2-300 quid off me. That's just a few months. Over 6 years ....

Scumbags.

smegging hell, the worst time to take the money from you aswell. Well it must have come as a big relief to see that you're getting it all bank now because it ticked me off losing £48 for a late and overdrawn payment. £120, that would have paid off half my CC bill.

No wonder Barclaycard have reported billions of profit last year. All these bloody penalty charges to get more money who might be struggling with it.