Reclaimed Bank Charges SUCCESS stories

easterfields · 26 February 2007 at 2:59PM

Bank: NAT WEST
Amount Claimed: £15,705.42
Amount Paid: not allowed to say !!!!!
Story:
We got through all the stages up to and including being given a date for court hearing (26th March 2007)
It was a great deal of work ! and I was constantly nervous that I would do something wrong and the case would be `struck` out by the judge cos I had forgotten to do something.
The bank argued that we had not provided sufficient details for them to offer a full defence and wanted to know details of which clauses we were accusing them of breaching from which laws etc, Loads of research needed to answer.
Used the Order for Directions from web site and was prepared to supply the agreed evidence, past cases etc, (the 40 odd page document)but it was not issued by Judge.
Then today got a cheque !!!!! On condition I don't disclose the fact of or disclose the details relating to this payment.

Well never mind I,ve told you now !

It surely must be one of the largest claims

Can I legally post the fact that the bank paid the full amount ?

thank you Martin and your team. the business was almost bankrupt because of these unfair charges which we could not escape from, until NOW !!!

:T :T :T

thefoolonthehill · 26 February 2007 at 3:02PM

Bank: Nationwide
Claim: £894
Won: £1030

3 letters telling me that they feel their charges are fair and transparent. took them to court and won funnily enough.

K4ylee · 26 February 2007 at 3:08PM

Bank: The Woolwich
Amount Reclaimed: £445
Amount they paid: £467.27

The story: Applied for a mortgage in Jan 06, arrangement fee was £445 to secure the product and arrange the mortgage. The Woolwich cashed the cheque and declined the mortgage at the application stage.
Took 3 phone calls and 2 letters.. 2nd letter threatened to lodge a small claim in county court. The Woolwich paid out within a week and included 5% interest!!!

Thanks Martin..

white_cab · 26 February 2007 at 3:26PM

Charges claimed from Natwest
Amount asked for = £4150
Amount recived = £4047

What a result was just in the process of setting up a court date and recived an offer in the post. Its all well and good claiming the money back but when are the banks going to realise that what their doing is wrong and slash the amount of the fees!

smiler84089 · 26 February 2007 at 3:44PM

karen5416 wrote:

Hi I am new...have been reading all the info and followed all the steps but am a bit confused, (doesnt take much mind).. I am going through natwest to get my charges back, i asked for my statements, they replied with a nice letter, i replied with a copy of the template on here with a full breakdown of charges on the 21st last month, i then received a letter saying they were looking into it...then heard nothing, i have just sent the letter talking about taking them to court but now starting to get a bit scared...what do i do, and how do i take them to court....

Hi Karen,
Stick with it, only the banks get scared here!! You are doing everything right.

John

dalaw · 26 February 2007 at 3:52PM

I am owed approx £700, and have posted a letter to my bank HSBC asking for 6 years worth of statements after calculating the amount i wrote them a letter to ask for a refund and they got back to me 6 weeks later stating they need a full breakdown from me of all charges before they would consider anything...is this right?should they not have this on record,im not sure if i need to just continue with the template letters or should I go through all my bank statements and get all the dates,amounts and reasons as they are asking. Can someone help pleeeeease???

Thanx

smiler84089 · 26 February 2007 at 3:53PM

superdave wrote:

After being with the Halifax for 18 years i wonder why i have stuck with a bank so long that is as unhelpful and has very little scope of what customer service actually is.
Now i am getting more and more annoyed each time i see that baldheaded berk :mad: with the round glasses doing somersalts on our TV screens, thinking that my bank charges must have somehow been to finance some mini hollywood advertising epic!

Right, now thats off my chest the question i would like answering if possible is this: I am attempting to claim about £1800 pound back from the Halifax. I have followed Martins advice to the letter, using all supplied templates. I have got to stage 3 where i have sent the letter asking for my money back and have recieived a reply, part of which i will now quote.

"We are sorry to hear that you are unhappy with the charges debited to your bank account. Please note the complaint handling rules set by our regulator, the FSA, gives us 8 weeks to investigate and respond to complaints."

It then goes on to say they will be carrying out a thourough investigation, and if they are unable to respond fully to my concerns they will contact me within the next 4 weeks to update me of their progress.

Now... having had my card cloned about 4 years ago i know how quick the Halifax work and that took nearly 6 months to sort!

What do i do folks, do i sit back and relax and let the process take its course, or do i fire a broadside and go to stage 4....

All sensible replies, gladly accepted.

Thanks

Superdave :beer:

Hi Superdave,
I got the same letter from Halifax and i wasnt impressed!! Its a delay tactic so just ignore it and go to the next stage. I actually went straight to the MCOL stage and on reflection i should have sent the threat letter next but it all ends the same way so no drama.

Ps, i thought exactly the same about 'Howard' in the new Halfax pantomine advert. Are our bank charges inflating his ego?

jennyowen · 26 February 2007 at 3:54PM

Don't know if anyone can help me or not. I'm having a bit of a nightmare getting the interest calculator to work for me. I can get the list of charges and interest on screen but can't get that into excel to edit. I know from my experience so far with HSBC that they want the description of the charge from the statement as well as the amount and date. I've had this delay with HSBC and don't want it to happen with Abbey too. Does anyone know of a formula I can put into an excel spreadsheet which will work out the 8% interest?

Edinburghlass_2 · 26 February 2007 at 4:04PM

dalaw...Yes you should list each charge with a description and date it was taken.

smiler84089 · 26 February 2007 at 4:04PM

chajun wrote:

Just to Clarify. I do not work for a bank but as mentioned by others in previous posts some people are just trying it on and it will backfire.

Cajun,
I understand where you are coming from and i assume you also believe some people will get their claim money back and then continue mis-managing their accounts and get charged all over again.

I WAS one of the above and that is why i am here. With Martins advice i have turned around my financial situation and i estimate that with the successful claim payout i will clear my overdraft. Once this is done i have no intention to get back into that downward spiral of charges. I have changed accounts to an interest free one with A&L and i am applying for ISA's so that i can save rather than overspend. Alot of the threads are from honest decent people who have been vicitms of loan sharks and in some cases have lost everything due to the ruthless banks. This is our way on getting back on our feet and giving one in the B******s to the shylocks of the world.

John

Reclaimed Bank Charges SUCCESS stories

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