The Fish 11079 Posted January 12, 2007 Share Posted January 12, 2007 you kidding they love customers like Smooth... the amount they make off charges is fricking obscene! people who pay all their bills on time, never go over drawn, never use credit cards etc... they bloody detest... no money to be made. Link to comment Share on other sites More sharing options...
Jusoda Kid 1 Posted January 12, 2007 Share Posted January 12, 2007 Aye then you can claim back any charge deemed to be unfair though it mightn't be easy. Some banks will refund your money but others will fight it, hoping you won't go as far as to take it to court and if you're with Alliance and Leicester they'll close your account if you threaten any sort of action. Should be ok, Barclays visibly shit themselves when I mentioned the Financial Ombudsman! Aye they must be crying out for customers like you, so far you've mentioned unpaid Direct Debits, overdraft charges and late credit card payments. Top customer tbh Not me who mentioned unpaid Direct Debits tbf, anyway go fuck yourself you stilt loving pigheaded numpty. Life is hard and money doesn't go far these days! What do you expect from the upper class Link to comment Share on other sites More sharing options...
Gemmill 47084 Posted January 12, 2007 Share Posted January 12, 2007 I've written my letter today. It gets posted tomorrow. Link to comment Share on other sites More sharing options...
peasepud 59 Posted January 12, 2007 Share Posted January 12, 2007 Fuck me the Chuckle Brothers are back with a vengeance aint they? Ok then not unpaid Direct Debits but a fraudulent closure on an insurance policy (which Im sure you wouldnt have overlooked should the need to claim arise ) As for times being hard then maybe you should stay consistent with your posts and not make it up as you go along, after all a huge 4x4, rocks from Tiffanys etc dont give the impression of skint city. Just a thought like Link to comment Share on other sites More sharing options...
Gemmill 47084 Posted January 12, 2007 Share Posted January 12, 2007 stilt loving pigheaded numpty Link to comment Share on other sites More sharing options...
MrBass 2811 Posted January 12, 2007 Share Posted January 12, 2007 I've written my letter today. It gets posted tomorrow. You didn't create one from scratch did you? Could have used this little baby Clicky, Link to comment Share on other sites More sharing options...
ewerk 31592 Posted January 12, 2007 Share Posted January 12, 2007 Is that not what you've claimed back? Aye you can claim them (or part of them) back. I think the jist of the law is that if you've been charged more than it cost the bank/credit card company to perform the action in question then you can claim the money back. So if they charge 35 quid for returning a direct debit and it actually only cost them a fiver you can get that back so I'd assume the same goes for being overdrawn, I got a couple of charges back for been overdrawn a few months ago. No what I claimed back was a monthly payment of £7.60 over 5 years they said they authorised over the phone for some insurance policy, which they did but I knew they couldn't prove it! I forgot to cancel it after the 60 day free period but I thought I'd chance my arm!! Our members have made a total of 251294 postsWe have 753 registered members The newest member is barclays_fraud_squad Most users ever online was 871 on Sep 29 2006, 02:26 PM They're coming for you. Link to comment Share on other sites More sharing options...
Happy Face 29 Posted February 23, 2007 Share Posted February 23, 2007 Tonight with Trevor Macdonald special on ITV now. I sent my letter asking for £650 on Monday. Link to comment Share on other sites More sharing options...
Gejon 2 Posted February 23, 2007 Share Posted February 23, 2007 Think I will request my bank statements over the last few years. Its madness that they can only charge to cover admin costs but the cheeky fuckers decided to muliply it by a bit! Link to comment Share on other sites More sharing options...
Jimbo 175 Posted February 23, 2007 Share Posted February 23, 2007 A new low. Lloyds TSB is to impose a £35 annual charge on credit card account holders who do not use their cards. The annual charge will apply to "low-usage" customers; including people who do not use their cards at all. The bank has written to 50,000 customers to tell them that the charge will be levied on their accounts 30 days from the date of the letter. On Friday, Lloyds TSB reported full-year profits before tax of £4.25bn ($8.3bn), up 11% from 2005. At the same time, Eric Daniels, chief executive of Lloyds TSB, joined a growing chorus of industry figures questioning whether traditional free current account banking for customers in credit can continue over the long term. Mr Daniels said moves by banking regulators to reduce penalty charges could have an impact on the market for current accounts and pointed to other countries where banking charges are routine. "If there were to be a reasonably sizeable change (by regulators) then you would probably see a change from some of the players in the UK market," Mr Daniels said. However, Mr Daniels did not say that Lloyds planned to introduce current account charges. Card charge Lloyds TSB would not give a strict definition of what customer activity they define as "low usage." But they did say that customers who do not use their cards at all can definitely expect a charge. "This fee only applies to customers who do not use their cards, there is little point after all having a card if you are not going to use it," a Lloyds TSB spokeswoman told BBC News. As a sweetener, Lloyds TSB has offered customers who start to use their cards more regularly a 0% interest rate deal on all new purchases until May 2007. Customers who do not plan to continue to use their card and want to avoid the fee should cancel it formally with the bank. Formal cancellation entails the customer cutting up the card and telling the provider they wish the account to be closed. Fees imposed Lloyds TSB's move is part of a growing trend of credit card providers imposing annual fees and charging for switching debt from another card. Experts believe that credit card firms are trying to claw-back money they lost when the Office of Fair Trading (OFT) ordered providers to lower the charges they impose on people who miss their card repayments. Last May, the OFT told credit card providers that penalty charges would have to fall from about £30 to £12. Recently, card provider MBNA said they would start charging a £10 fee on accounts which had a positive balance. Lloyds TSB's move could lead to other card providers charging an annual fee. "This will certainly open the floodgates for other credit card providers that are still desperately trying to claw back the lost revenue following the OFT's reduction of penalty charges," Nick White, spokesman for price comparison website uSwitch said. "The worrying thing is when will this end? Will the 59% of credit card customers that pay their bill off in full every month be penalised next as they are not as profitable as customers that make minimum payments every month?" Mr White added. Link to comment Share on other sites More sharing options...
ewerk 31592 Posted February 23, 2007 Share Posted February 23, 2007 I think Barclaycard have had that for a few years now. Link to comment Share on other sites More sharing options...
Happy Face 29 Posted March 22, 2007 Share Posted March 22, 2007 Rang up Barclays on Monday to chase this up as I hadn't heard anything for a fortnight since they sent a letter to say it was being looked into. Hey presto £455 paid into my bank today. What to buy, what to buy? Link to comment Share on other sites More sharing options...
WubbleUC 0 Posted March 22, 2007 Share Posted March 22, 2007 I've just claimed £809 back off HSBC on Tuesday, like. Chuffed. Link to comment Share on other sites More sharing options...
Jimbo 175 Posted March 22, 2007 Share Posted March 22, 2007 Rang up Barclays on Monday to chase this up as I hadn't heard anything for a fortnight since they sent a letter to say it was being looked into. Hey presto £455 paid into my bank today. What to buy, what to buy? How did you approach Barclays about the fees ? did you know how much they had over charged you ?? Link to comment Share on other sites More sharing options...
Happy Face 29 Posted March 22, 2007 Share Posted March 22, 2007 Rang up Barclays on Monday to chase this up as I hadn't heard anything for a fortnight since they sent a letter to say it was being looked into. Hey presto £455 paid into my bank today. What to buy, what to buy? How did you approach Barclays about the fees ? did you know how much they had over charged you ?? Letter 1: Ask for a list of all charges on my account (in accordance with the DPA) and enclose a cheque for £10 to cover admin (which they sent back and didn't cash). see template letter here Letter 2: Add up the charges and ask for your money (either including interest or not). see template letter here (same page, just lower down). If you don't hear from them within 14 days, ring them. half hour job. Tops. I just bought this Toshiba 32WLT66 32" Widescreen Pictureframe HD Ready LCD TV - With Freeview http://www.amazon.co.uk/Toshiba-32WLT66-Wi...0997&sr=8-1 Link to comment Share on other sites More sharing options...
Jimbo 175 Posted March 22, 2007 Share Posted March 22, 2007 Superb !! Link to comment Share on other sites More sharing options...
Gejon 2 Posted March 23, 2007 Share Posted March 23, 2007 Defo going to do this when I get off my lazy arse, reckon I will get back a tidy sum. Link to comment Share on other sites More sharing options...
Happy Face 29 Posted April 23, 2008 Share Posted April 23, 2008 Defo going to do this when I get off my lazy arse, reckon I will get back a tidy sum. Did you get it done before they put a stop to it? Court judgement this Thursday (tomorrow) as to whether there's a case against them being illegal or not. Link to comment Share on other sites More sharing options...
Toonraider 0 Posted April 23, 2008 Share Posted April 23, 2008 Season ticket all the way. If I lived up there it would be top of my necessitie's list. Link to comment Share on other sites More sharing options...
Gejon 2 Posted April 23, 2008 Share Posted April 23, 2008 Defo going to do this when I get off my lazy arse, reckon I will get back a tidy sum. Did you get it done before they put a stop to it? Court judgement this Thursday (tomorrow) as to whether there's a case against them being illegal or not. I got a reply telling me they are taking the whole issue to court so I will hear after that. Cheers, didn't know the judgement was tomorrow. Link to comment Share on other sites More sharing options...
Smooth Operator 10 Posted April 24, 2008 Author Share Posted April 24, 2008 http://news.bbc.co.uk/1/hi/business/7364422.stm Result!! Link to comment Share on other sites More sharing options...
ewerk 31592 Posted April 24, 2008 Share Posted April 24, 2008 Just received my last 6 years worth of statements from Barclaycard, gonna add up everything I've paid to them in fines over the period and see how much the bastards owe me. Link to comment Share on other sites More sharing options...
Tom 14021 Posted April 24, 2008 Share Posted April 24, 2008 Can i do this with Lloyds? Link to comment Share on other sites More sharing options...
ewerk 31592 Posted April 24, 2008 Share Posted April 24, 2008 You can do it with any bank or credit card (though the CC ones are on less certain ground at the moment). One of my banks sent me a letter the other week giving me money due to all the times they'd overcharged me despite me already claiming them all back. Link to comment Share on other sites More sharing options...
Tom 14021 Posted April 24, 2008 Share Posted April 24, 2008 They have probably only charged me about £90 like. But i still want it back Link to comment Share on other sites More sharing options...
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