Reclaiming your previous bank charges.
A couple of years ago, I did jump onto the reclaiming your previous bank charges. And it was the best and quickest £600 i have ever made. It took 2 months in total and about an hour of time going through statements (which I could get online anyway). And just popping letters in the post. A great website, penaltycharges.co.uk had all the letters on there ready to print off, and the exact procedure of what to do. Anyone with a grape instead of a brain could do it.

I was quite shocked how many charges I had acrewed. Plus I also was able to claim interest on it, so it ended up being more. Free money! Yaay.
(Miggyman, Fri 1 Aug 2008, 14:11, 5 replies)

I did this 2 years ago now as well
And got £4500 back :)

£3700 before interest. Although technically it was my money to being with, that was an extra £800 or so interest I got off them.

I still get charged relatively often, so need to do it again. And then learn to stop racking up bank charges.
( LemonEntryMyDearWatson This time, Moriarty, the hand is on the other foot, Fri 1 Aug 2008, 14:20, closed)

Perhaps you can help me with this one.

When you say bank charges, do you mean the £25 fine you get for going overdrawn?

If so, how many times do you have to do that to get charged thousand's that you can claim back? You'd have to be pretty shite with your finances to go overdrawn that many times.

Or are there any other charges you can claim back?

I myself have to pay an 'account fee' of about a tenner a month, but I've done that for years. I don't suppose I can claim that back can I?
(Mr Twisty Cheeky The worst kept secret in B3ta..., Fri 1 Aug 2008, 14:26, closed)

@MrTwistyCheeky
Yep, its the £25 they can charge you for going overdrawn, + any other charges they throw at you.

The bulk of mine was when, having lost one job, and before getting another, I had several standing orders going on. Each one that was missed, by bank charged me £30, then an additional £90 per month, and this was componded over several months up to nearly a thousand pounds.

You can claim for up to 6 years worth of charges from the date you begin proceedings, so start as soon as you can.

I doubt you can claim the account fee back, as this is likely something you opted info (natwest advantage gold for example), and as such is not a charge, but a service fee.

OD charges, are fair game. Check out www.consumeractiongroup.co.uk for instructions on getting your money back. Great forum there to help you through it.
( LemonEntryMyDearWatson This time, Moriarty, the hand is on the other foot, Fri 1 Aug 2008, 14:32, closed)

However
Because of a court case going through atm, the FSA has agreed a freeze on all claims until the case is resolved.

However, if you'd been charged credit card charges, you can still chase those. I had £425 in CC charges, I got back the lot plus about £120 in interest.
( sandettie light vessel automatic New Twitter - @bollocksreally, Fri 1 Aug 2008, 14:48, closed)

I heard...
...that if you do this then the banks won't touch you with a barge pole. I know, I know, don't believe everything you hear, but I was just wondering if anyone else had heard/experienced this.
( El Lazarus is calm now, Ish,, Sun 3 Aug 2008, 18:23, closed)