Hi is this just a problem in the uk, or is this happening elsewer in the world, the problem being un-fair bank charges, over the past 6 years i have been charged by my bank £2000 for letters being sent to me stating that i have missed a payment by one day, that's about £30 per letter, just to inform me that they are going to charge me for missing the payment..
Now you may be saying "why don't you manage your account better"..... well i do to the best of my ability, but i don't get paid every month on the same day, i get paid every 4 weeks, so its a different date every month, and companies don't allow you to set up direct debits for a different date each month, and that's where i am coming un-stuck
Well any way i am in the middle of claiming all my bank charges back from the bank, under a ruling founded in 1999, stating that the charges a bank claims must reflect a realistic cost of the admin fee a letter would cost to send to me. And as you must admit £30 a letter is a little costly.
So anyway as i said i am half way thru debates with my bank, and i am at the stage of sending a second letter saying that i will be taking them to the Small claims court if the full amount is not paid back to me, and any black marks on my financial rating removed.
Is there anyone else going thru this process at the moment, and if so what have been your results so far
many thanks cubes
Now you may be saying "why don't you manage your account better"..... well i do to the best of my ability, but i don't get paid every month on the same day, i get paid every 4 weeks, so its a different date every month, and companies don't allow you to set up direct debits for a different date each month, and that's where i am coming un-stuck
Well any way i am in the middle of claiming all my bank charges back from the bank, under a ruling founded in 1999, stating that the charges a bank claims must reflect a realistic cost of the admin fee a letter would cost to send to me. And as you must admit £30 a letter is a little costly.
So anyway as i said i am half way thru debates with my bank, and i am at the stage of sending a second letter saying that i will be taking them to the Small claims court if the full amount is not paid back to me, and any black marks on my financial rating removed.
Is there anyone else going thru this process at the moment, and if so what have been your results so far
many thanks cubes