Tweet
Back in the spring of 2008, I applied to reclaim bank charges for 6 years of banking wit Halifax. Unfortunately I was a little late, and received a letter that summer explaining that my claim had been put on hold pending the outcome of the forthcoming court case (which I believe happened in 2009?)
A lot happened for me in late 2009, including moving house, and tbh I forgot all about my claim. It seemed as though the outcome of the court case meant that most were unable to reclaim bank charges post 2009, but I wonder if this is still a grey area and whether it would be worth my while to try as I am suffering hardship (have since had another child, then became a single parent).
The account for which I received charges is a BASIC Cardcash account. Never had an overdraft or been able to go overdrawn with this! The charges were for returned DDs, mostly around £35 a time, going back to 2002 and came to almost £1000 in total (which to me is a HUGE sum!).
What made me really angry is that often I would have only been a few pence short of paying the DD (on one occasion I was charged £35 because my account was 10p short!). The banks claim that these charges were to cover the facility of having overdrafts available, but that wasn't the case for me!
Have I any chance of reclaiming these charges? If so, how do I go about it?
Unfortunately I have none of the paperwork from my original claim - should this still be on record? Also, I'm still using the same account.
Any advice is much appreciated =)
A lot happened for me in late 2009, including moving house, and tbh I forgot all about my claim. It seemed as though the outcome of the court case meant that most were unable to reclaim bank charges post 2009, but I wonder if this is still a grey area and whether it would be worth my while to try as I am suffering hardship (have since had another child, then became a single parent).
The account for which I received charges is a BASIC Cardcash account. Never had an overdraft or been able to go overdrawn with this! The charges were for returned DDs, mostly around £35 a time, going back to 2002 and came to almost £1000 in total (which to me is a HUGE sum!).
What made me really angry is that often I would have only been a few pence short of paying the DD (on one occasion I was charged £35 because my account was 10p short!). The banks claim that these charges were to cover the facility of having overdrafts available, but that wasn't the case for me!
Have I any chance of reclaiming these charges? If so, how do I go about it?
Unfortunately I have none of the paperwork from my original claim - should this still be on record? Also, I'm still using the same account.
Any advice is much appreciated =)
Comment