From: "steve robinson" 
Subject: Re: Bank charges (2 questions).
Newsgroups: uk.finance uk.legal
Date: Thu, 06 Sep 2007 00:03:31 GMT
Bytes: 4146

gonzo wrote:

> 
> "Leeloominaï Lekatariba Lamina Tchaï Ekbat De Sebat" 
> wrote in message
> news:hRGDi.141523$p7.93319@fe2.news.blueyonder.co.uk...
> > 
> >"steve robinson"  wrote in message
> news:xn0fav1pyotrdq00c@news-text.blueyonder.co.uk...
> > > atiradeonexpress@googlemail.com wrote:
> > > 
> > > > There wasn't enough cash in my account to cover a direct debit
> > > > so they charged me £19.50 (Cooperative bank).  Painful.
> > > > 
> > > > They say this is an "administrative fee"; everyone knows that
> > > > they don't have to administrate anything  it's all done by
> > > > computer.  I know this having coded for commercial banks before.
> > > > 
> > > > I thought this was now illegal; when I asked my bank to refund
> > > > the charge  they said "there is
> > > > a test case going through".  If this is the case why are people
> > > > being refunded when they threaten
> > > > to take the bank to court.  I thought this sort of thing had
> > > > stopped.
> > > > 
> > > > Also I had a business account in 2001 and I know that there
> > > > were lots of charges on that
> > > > due to my misadministrating my accounts.  At some stages one
> > > > account would be overdrawn
> > > > and for this reason I would be charged even though I had money
> > > > in other accounts with the
> > > > bank to cover it.
> > > > 
> > > > Is it too late to get this money back?
> > > 
> > > 
> > > as the banks have said thier is a test case going on at the
> > > moment so most are refusing to refund any charges at the moment ,
> > > its best to let it ly at the moment because if you do get
> > > refunded and the case goes in favour of the bank then they will
> > > seek to recover the costs
> > 
> > Ignore the above. It's rubbish. If you delay (and it may already be
> > too  late) you will never get your charges back from 2001 - you
> > have six years from the date the charges were imposed to lodge a
> > claim.
> > 
> > The fact there is a test case should not prevent you from lodging a
> > claim  in your local County Court- OK, it will cost you, depending
> > on how much you are claiming, but that is the most you would lose
> > since costs are NOT recoverable in the Small Claims track of the
> > County Court.
> > 
> > Some readers of uk.legal are actually legally qualified and know
> > about this sort of thing, having done it!
> > 
> I think I posted the first post on uk.legal about this back in 2005
> and was promptly shot down at the time.
> 
> If the bank claim that it is a service then ask them for an invoice.
> If it is a service they'll have paid VAT on it too. LOL. It's pretty
> easy to prove a bank charge isn't a service as banks don't pay VAT on
> them.  Cheers James

not all of the banks services are vat rated infact vat isnt charged on
most financial services in the uk at present

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