Someone told me that bank charges where illegal?
818998
Reclaiming Unlawful Bank/Credit Card Charges\n\n\nDid you know that when banks and credit card companies charge you for going over your overdraft limit, those charges are unlawful?\n\nNope, most people don’t. However, there are a few people who are waking up to this and have won back their charges, either directly from the banks or through the courts.\n\nHow to reclaim your charges. (Please note, you can just change the wording of the letters for your credit card or store card) \n\n1.  Before sending the sample letter, you need to know the amount you are claiming. You can back-date your claim for up to six years. If you need to get copies of your bank statements, use sample letter two.\n\nUnder the Data Protection Act - the bank has only 40 days to provide your statements. Do not worry about the extra wait - you can legally claim 8% APR on each charge for the full period, so the longer it takes them, the more money you will have back. If they still refuse, or do not furnish you with this information within 40 days, report them to the information commissioner - www.informationcommissioner.gov.uk - for a breach of the DPA. \n\n2. Now you have your statements, add up all your charges and then send them sample letter one with your own details. \n\n3. You should now receive a reply from your bank; it will be along the lines of: \n\na) Sorry you're not happy; however our charges are listed in the terms and conditions, if you are not happy you can now go to the Ombudsman.\n\nb) We looking in to this, however please note under the bank code we have 8 weeks in which to reply. (Do not accept this - you have given them 7 days) \n\nc) You will be offered a partial or full refund. You can choose to accept a partial refund, but the money is yours so it may be better to hold out for a full refund.\n\nd) They will deny the claim that the charges are unlawful (about 50% do this) \n\n4. If they do not offer you a full refund, send them a follow-up letter reiterating your original claims and giving them 7 days to pay\n\n\n\n\n5. Most banks will have paid up by this stage. If your bank doesn’t, now is the time to take them to court. It is a simple procedure, don’t let it intimidate you. To enter a claim go to www.moneyclaim.gov.uk and fill in the claim form. \n\nYou will have to pay the fees upfront with a credit or debit card.  If you are receiving benefits of any kind, you may be exempt from the fees.  However, you will have to use the paper N1 claim form and submit it to your nearest county court; you can get these on-line or from your nearest county court. \n\n\n6. The bank will now do one of four things.\n \na) Ignore the claim completely - in which case after 14 days you will need to ask the court for judgment in default. This means you win. \n\nb) Offer to pay the claim in full, including interest and court fees \n\nc) Acknowledge the claim – they then get a further 14 days to enter a defence. Some banks will acknowledge the claim and then pay up.\n\nd) Acknowledge the claim, and then on the 26-28th day, enter a defence \n\nIf the bank defends, the next thing that will happen is that you will receive a Court Allocation Questionnaire you must fill this in within 7 days of receiving it, and pay the additional fee. \n\n7. The court will now set a date (if the bank has not already given your money back by this point - and most will have done) \n\nAs far as we can tell from our research, most banks have settled before the court date, and those that have not, have lost the case.\n\nSample letters are on the next pages.\n\n\n\nImportant Updated information\n\nSome banks are now closing down the accounts of those who chose to challenge them. They are entitled to do this and you should consider this possible outcome before taking any action.\n\nThe Office of Fair Trading has ruled that it will view any charges over £12 as automatically ‘unfair’. However, the banks have a yet to respond to this before any action will be taken. This
796996
That seems like a lot of money.  It might be worthwhile to call the bank where you have your account and ask their advice -- there may be someone there who is accustomed to seeing this type of business and can tell you whether the fee is reasonable for what you are trying to do.  And your bank will know about the transaction, anyway, once you get the money deposited.
658571
it was probably just an authorization to make sure card was real , should be reversed . Just like a gas station will authorize 5 dollars when you pay at the pump , and you get 20 in gas , go home and there is a charge for 5 and 20 on your statement , but the 5 will be taken off
764111
I don't think so!!  No value added with bank charges....
662311
yes it is illegal to deface money though you'd be hard pressed to find anyone actually charged for it.\n\nThe funny thing is, the old Canadian five dollar bills had our first Prime Minister on it. By drawing black hair on him with a marker and pointy eyebrows, he would look more like Spock from Star Trek. \n\nAnd I promise you that I've seen many of those and never heard of anyone getting charged for it.
862425
It is an old trick and  I am surprised there are still people falling for it. Even after the check is cleared and your account is credited, the transaction can still be reversed. The banks make sure they never lose. \n\nAll the countries in Africa seem to be getting into this scum now. Apparently the $billions we give in aid are not enough to keep them in sufficient luxury. Most of it goes to their leaders. But keep quiet about this as the liberals will start shouting "racism". \n\nAs regards your case, you have the name and address of the buyer and of the carrier, so take it up with the police. Also ask for a meeting with your bank manager and tell him his bank is implicated and what help is he going to give? The check can be traced backwards.
846874
If you believe it is illegal then report it to the police and they can investigate the matter for you.\n\n///
161026
Basically it boils down to the fact that HE signed YOUR name. That constitutes fraud. Not whether it is a joint account or blah blah blah. That indeed is forgery. Now the fact that he just did a deposit shows that he was not being malicious. Is the money still there? No harm done. If it is gone, then hit him with the forgery charge.
732645
No it's illegal!  I worked @ a doctor's office and we used to copy the cash payments as sort of a receipt.  We had a patient who was a police officer and he said that it was illegal.  It's not something that you call and tell the police about though.  I mean lots of places of business do it.  If someone wanted to be picky they could call, but that would be pretty mean, unless you hate them- go ahead.
23878
The 80068 sounds like the beginning of a toll free telephone number, which you should be able to get in full from the issuing bank.  If you're the only one with access to the card and you didn't authorize the charge, file a dispute.  It certainly has a ring of a scam, or at least some less than scrupulous behavior.
943550
Its legal tender, theres no way a shop can refuse to take it, as it bears the queens head. They have given you a price for the item, so long as the currency isn't fake, you can pay how you like. If they did refuse, you could probably report them to trading standards or something similar, certainly, you should take your business elsewhere.
1099077
I agree with the "idiot" answer.  People figure that banks have plenty of money, so what's a few bucks?  They should be glad that they are only getting charged 20 pounds rather than being turned over to the authorities for fraud.
707928
Template letter for claiming back your bank charges here ---> http://www.moneytowers.com/2006/banking-credit/template-for-claiming-back-unfair-bank-charges/\n\nWorked well for me :)
1140477
Start by reporting this to your credit card issuer. \n\nThen get a report from the major credit agencies: \n\nExperian   http://www.experian.com\nEquifax   http://www.equifax.com/\nTransUnion http://www.transunion.com/\n\nGet on it right away. You will be responsible for only $50 of illegal charges, but it takes time. Don't delay.
600355
no,  they are not illegal.  As long as the person you are giving it to is all right with it.  It's best to highlight the date so it is not cashed too early.
323377
Call the bank or go to the card-holders web site and question the purchase.\n\nBut that sound like a porn charge to me.
771864
Call the company and explain the situation.  They can often reverse the charge on your account when you correct the situation.  Most places are reasonable.