You might have noticed recently that you can’t watch a television programme, read a newspaper or surf the Internet without coming across an advert for a company wanting to help you reclaim a mis sold ppi policy. I’m not complaining, it’s a scandal that needed to come to light and the banks should be held accountable for their dishonesty. What PPI Reclaiming does seem to have overshadowed though is the issue of reclaiming unreasonable or at the time ‘illegal’ bank charges. This craze died a death in 2009 when the supreme court ruled in favour of the banks in a huge long running court battle over the legality of these bank charges. As a result of this ruling many people now feel it’s no longer possible to reclaim bank charges. Is that true or is it still possible to reclaim bank charges or get single bank charges refunded?

Reclaim NO, Refund YES!

The supreme court may have effectively put an end to the culture of reclaiming bank charges with their 2009 ruling but that doesn’t mean you can’t get a bank charge or even a couple of charges that have been applied to your account refunded!

After watching the program Bank Of Dave On Channel 4 tonight it’s got me to thinking, could we ever return to the good old days of responsible banking?

Banks have had it pretty rough over the last few years! The US Sub-prime Mortgage Crisis, The Eurozone Sovereign debt crisis, Credit Downgrades, people reclaiming money for unfair bank charges and now mis sold Payment Protection Insurance. This is by no means an exhaustive list of the problems banks have faced and are still facing.

The big financial news story this week in the UK is the RBS/Natwest computing glitch that has left customers unable to access their money, pay bills and even stopped salaries being paid into accounts. The word glitch massively understates the problems that have been caused for people due to the error.

It’s once again thrown up the question in my mind, Is My Money Really Safe In The Bank?

Payment Protection Insurance otherwise known as PPI has been in the news a lot recently and a flood of companies have come onto the market claiming they can get you £1000’s if you get them to reclaim PPI that you may have been mis-sold. But what is PPI and how can you reclaim PPI for free? Let’s find out.

It has emerged today that nearly 50% of bank advisors give wrong advice when asked to cancel a recurring payment set up on a credit or debit card!

These payments are often set up when you get a gym membership, magazine subscription or sign up to an online distance learning course and payments are taken on a regular basis, usually monthly.

The confusion occurs when you need to cancel the payment. Prior to November 2009