Bank Robbery! BBC2
#1
Bank Robbery! BBC2
just watched bank Robbery on BBC2, you can claim back nearly all the bank charges you have paid over the last 6 years. some people got back over £4000 out of £6000 paid, and a bloke is currently waiting to get £15000 back off his bank
anyone else watch this?
it has been proved that bank charges are illegal
anyone else watch this?
it has been proved that bank charges are illegal
#4
Originally Posted by RON
Am i the only person who's never paid a single penny in bank charges in 20 years....????
I doubt it, but some of those people seemed to be being charged an awful lot.....
I doubt it, but some of those people seemed to be being charged an awful lot.....
#5
Scooby Regular
Join Date: Jul 2002
Location: Under your bonnet
Posts: 9,173
Likes: 0
Received 0 Likes
on
0 Posts
Here's a thought.....
Try having enough money in the account to start with instead of bouncing it around your overdraft limit!!!!!
Or is it impossible to live within your means now adays
Andy
People who know me will be shouting "Pot, Kettle"
Try having enough money in the account to start with instead of bouncing it around your overdraft limit!!!!!
Or is it impossible to live within your means now adays
Andy
People who know me will be shouting "Pot, Kettle"
#6
I changed banks earlier this year to align my business and personal a/c's. In the process I removed all the direct debits I had online (the regular ones) However some bills weren't listed (I think the variable amounts or imfrequent ones like electricity or BT)
Anyway a couple of them slipped through the net in the process and my account ended up £70 overdrawn (2 x returned DD's).
4 months later I get a call from their collections department saying I my account is £700 overdrawn. (solely from charges - i received no statements or letters btw)
Now that is taking the **** and I am going to get that back.
Anyway a couple of them slipped through the net in the process and my account ended up £70 overdrawn (2 x returned DD's).
4 months later I get a call from their collections department saying I my account is £700 overdrawn. (solely from charges - i received no statements or letters btw)
Now that is taking the **** and I am going to get that back.
Last edited by KiwiGTI; 12 December 2006 at 11:52 PM.
#7
Scooby Regular
Join Date: Dec 2003
Location: Now showing in Texas....
Posts: 385
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by sarasquares
just watched bank Robbery on BBC2, you can claim back nearly all the bank charges you have paid over the last 6 years. some people got back over £4000 out of £6000 paid, and a bloke is currently waiting to get £15000 back off his bank
anyone else watch this?
it has been proved that bank charges are illegal
anyone else watch this?
it has been proved that bank charges are illegal
C
Trending Topics
#8
Scooby Regular
Join Date: Aug 2001
Location: Warrington
Posts: 4,554
Likes: 0
Received 0 Likes
on
0 Posts
#9
Scooby Regular
iTrader: (6)
Join Date: Jan 2002
Location: Hampshire
Posts: 953
Likes: 0
Received 0 Likes
on
0 Posts
I did this,got just over £2300 back,including court fee & 8% interest
Look here for all the info you need
PENALTY CHARGES :: FIGHTING YOUR CORNER - FOR FREE
Penalty Charges Forum - Powered by vBulletin
Look here for all the info you need
PENALTY CHARGES :: FIGHTING YOUR CORNER - FOR FREE
Penalty Charges Forum - Powered by vBulletin
#10
Scooby Regular
Originally Posted by sarasquares
it has been proved that bank charges are illegal
That bit's not quite true SS The banks so far have always settled, no case has yet gone to court.
The banks are currently doing their utmost to keep this issue from appearing before a judge, because they will then have to reveal the true costs involved, and how much they have profited from their customers' misplaced trust
#14
How do I go about claiming for the decrease in interest and loss of services from my bank because they have had to pay out to people that can't manage their money.
Let me know if I'm starting to sound like pslewis
Let me know if I'm starting to sound like pslewis
#15
Scooby Regular
Join Date: Apr 2003
Location: South Bucks
Posts: 3,213
Likes: 0
Received 0 Likes
on
0 Posts
IMO the banks are playing it cagey for a number of reasons.
1) If a bank demonstrates as of today that it knows how much a "bounced DD" warning letter etc. costs. Any future charges of that type to anyone could lead to allegations of obtaining money under false pretences or fraud.
2) If any case goes to court, they may be required to do "1)" anyway.
3) They're making a LOT of money doing this and they want to keep the gravy train running as long as they can.
4) They're sh*t scared of being required to pay back everything they've taken in charges over the past 6 years.
Having written the above, I can see how the situation has got to where it is. Goes back to the days when such letters would have been sent personally to you by the "Bank Manager" of your "Local Branch". The number of hands that actual piece of paper went through may have led to it costing the £25-£30. These days where everything is computerised, it probably costs 2p for the computer processing and a couple of quid to post-process the paperwork and mail it.
Not that I'm excusing the banks. They've conventiently looked the other way and not bothered to sort this mess out when there would have been little or no liability. There is NO WAY that they haven't seen this coming since the act was law in 1999.
J.
1) If a bank demonstrates as of today that it knows how much a "bounced DD" warning letter etc. costs. Any future charges of that type to anyone could lead to allegations of obtaining money under false pretences or fraud.
2) If any case goes to court, they may be required to do "1)" anyway.
3) They're making a LOT of money doing this and they want to keep the gravy train running as long as they can.
4) They're sh*t scared of being required to pay back everything they've taken in charges over the past 6 years.
Having written the above, I can see how the situation has got to where it is. Goes back to the days when such letters would have been sent personally to you by the "Bank Manager" of your "Local Branch". The number of hands that actual piece of paper went through may have led to it costing the £25-£30. These days where everything is computerised, it probably costs 2p for the computer processing and a couple of quid to post-process the paperwork and mail it.
Not that I'm excusing the banks. They've conventiently looked the other way and not bothered to sort this mess out when there would have been little or no liability. There is NO WAY that they haven't seen this coming since the act was law in 1999.
J.
#16
Just another tip, if you do try and reclaim your banking fees be aware that the bank will in all likelihood terminate all it's dealings with you. So if you do owe them things like overdrafts they will demand payment immediately. So make sure you have alternative arrangements in place first.
#17
Originally Posted by KiwiGTI
Just another tip, if you do try and reclaim your banking fees be aware that the bank will in all likelihood terminate all it's dealings with you. So if you do owe them things like overdrafts they will demand payment immediately. So make sure you have alternative arrangements in place first.
#19
Originally Posted by sarasquares
i am going to sit down tonight and see how much they owe me
i think i would change banks if i had to take them to court. thing is all banks are the same, just different names
i think i would change banks if i had to take them to court. thing is all banks are the same, just different names
#21
Originally Posted by sarasquares
my one has some decent male totty, not sure if i am willing to give that up
#23
Scooby Regular
Originally Posted by KiwiGTI
Just another tip, if you do try and reclaim your banking fees be aware that the bank will in all likelihood terminate all it's dealings with you. So if you do owe them things like overdrafts they will demand payment immediately. So make sure you have alternative arrangements in place first.
Is this deal currently just Banks, or does it extend to extortionate visa bills etc too?
I have recieved a letter not that long ago to say that a certain number of bank charges have been reduced in line with recent publicity over excessive charges
My Bank for instance charges me 8 quid per day for every day I am over my overdraft limit, even if it is only a few pence over, I dont realise, and before you know it 80 quid charges, and then the cheeky fecklers charge you for processing a DD that takes you over your limit too
My letter is already drawn up
#24
oh good I look forward to subsidising all of you that are financially incompetent!
All these claims are likely to result in the end of free banking in this country - that means I get to pay because other people didn't like getting penalised for being stupid (certain rare circumstances excepted).
I fail to see why a penalty charge, that both parties have agreed to before hand is seen as unfair.... ffs it's supposed to be a PENALTY for doing something wrong.... It's hardly a penalty if they can only charge you for a millisecond of computer processing time is it?
All these claims are likely to result in the end of free banking in this country - that means I get to pay because other people didn't like getting penalised for being stupid (certain rare circumstances excepted).
I fail to see why a penalty charge, that both parties have agreed to before hand is seen as unfair.... ffs it's supposed to be a PENALTY for doing something wrong.... It's hardly a penalty if they can only charge you for a millisecond of computer processing time is it?
#25
Scooby Regular
I thought they werent allowed to make a profit out of it though
Banking hasnt been free for a long time with a number of banks
What tends to happen is that both parties dont agree to the charges, the bank set them, we have to put up with them
Banking hasnt been free for a long time with a number of banks
What tends to happen is that both parties dont agree to the charges, the bank set them, we have to put up with them
#26
Originally Posted by *Sonic*
I thought they werent allowed to make a profit out of it though
Banking hasnt been free for a long time with a number of banks
What tends to happen is that both parties dont agree to the charges, the bank set them, we have to put up with them
Banking hasnt been free for a long time with a number of banks
What tends to happen is that both parties dont agree to the charges, the bank set them, we have to put up with them
It is supposed to be a penalty.
You always have a choice... you don't have to bank there.... you don't have to go overdrawn etc.
#27
Originally Posted by mpr
It is supposed to be a penalty.
#28
Scooby Regular
iTrader: (6)
Join Date: Jan 2002
Location: Hampshire
Posts: 953
Likes: 0
Received 0 Likes
on
0 Posts
Originally Posted by KiwiGTI
Just another tip, if you do try and reclaim your banking fees be aware that the bank will in all likelihood terminate all it's dealings with you. So if you do owe them things like overdrafts they will demand payment immediately. So make sure you have alternative arrangements in place first.
#29
Originally Posted by *Sonic*
Im sure I read on one of the forums regarding this, that they cannot just demand payment of your overdraft immediately, and they cant just terminate your account, for them illegally making money out of your loss (so to speak)
Back in the early 90's many people were bankrupted due to the banks heavy handedness.
Of course it's generally not in their interests to do so.
#30
Originally Posted by goatblower
I am still with my bank after nearly 23 years & succesfully claiming back over £2300 earlier this year