Information on Reclaiming Your Bank Charges
Bank charges have become a way of life for most of us, If we keep calling to get our bank charges back, we cannot ignore forever, I mean imagine how much was stolen in the last 6 years in office . Now is your chance to get it all over again. Not cost between £ 25 – £ 39 to return a direct debit. I think it’s just another way out of this society increasingly in debt to banks may have a competitive game among themselves, while the honest and good people are losing money.
The governing body at this time are saying that £ 12 would be sufficient, I believe in a £ 12 pounds is better than 40, but there will still be charged £ 12 to fall into the network, even if only for a day. Tell us what you think is right and eventually accumulate all that then it will not be able to pay and the process begins again. Nobody is saying that banks should not charge, but why so long? I think a couple of pounds would be sufficient.
All you have to do is ask your bank to obtain a list of charges in the last 6 years, which is by law the right to information and data information to act. Then write a letter to the bank requesting the money back. The bank will try to put all the tactics that you were saying that they are not entitled to any refund of money, do not be discouraged, or they can try to negotiate a partial solution, which is the most tempting part of the procedure especially if you are struggling for money but if you get to keep the total amount or close to it. No bank has a contested case, the bank charges. All sounds very simple, but the bank could take months to reach the stage of paying anything.
The Financial Ombudsman Service is an independent and free service, which provides and settles disputes between banks and our customers. FOS participate but only if it has been 8 weeks or more since your first letter, although in some cases suggesting banks send letters to go to the Ombudsman. The Ombudsman can take up to 3 months to resolve their case. So if you have not heard anything would be better to call directly to the Ombudsman and ask that you take in your case, then we will send you a claim form you will need to fill in the explanation of their circumstances, and then sent back with your signature.
If the bank still refuses to accept the assertion that could always get the bailiffs to recover their money, although this is very rare, but they have every right to do so.
So what are you waiting for? Claim today and see if you can get some money that is rightfully theirs. What you got to lose?