Reclaimed Bank Charges SUCCESS stories

Claimed - £691 + interest
Recieved - £557

Sent 1st letter on 2nd March
Recieved letter with offer on 19th April

Accepted needed the money

I am passing on the details of this site to all friends and family, thanks for all your help and advice, i now intend to claim from my closed abbey account!

:money: :beer: :j :j :j

Hooray and thanks. Three days before their defence was due, HBOS refunded the charges to my current account, credit card, interest and court fees - £780.82 in total. I was really, realy chuffed until I remembered they shouldn't have taken them in the first place. Like most of you, I was a good customer (of Bank of Scotland). However, ocasionally, I slipped over my overdraft limit (sometimes because the DD to BofS CC was taken early!) but sometimes it was my fault and I was charged interest and multiple penalties. Similarly, sometimes I forgot to pay my CC bill by the right day for which I was charged interest (rightly) and silly late payment fees (wrongly). My claim was settled in full 3 days before the defence deadline.

TIP: BofS is/was Scottish and their Head Ofice is still there. THerefore, if you give that address you can't use moneyclaim online from HMCS (a great service). To avoid this, simply put your local branch as the address but claim against 'The Governor and Company of the Bank of Scotland'. This is acceptable and I have shown it works.

The bank's solicitors have not, of course, accepted liability and have insisted that the terms are correct and I am bound by them. Clearly they don't believe this or they would not continue to settle claims like mine. Despite the fact they would have to spend more than the value of a claim like mine to defend it, if they believed in their case, they would pursue it on at least one occasion to make their point and set an example.

Denis - Brighton

Natwest
Amount reclaimed: £295.00 charges plus £131.45 interest
Amount received: £295.00

I sent a letter to Natwest asking for my charges and interest back, I wasn't too hopeful that I'd get it without a fight, I received a letter 2 weeks after I wrote to them saying that they feel the charges are lawful and blah blah, then I turned the page to see that they would however offer me the £295 as long as I take no further action and they accept no blame. I was more than happy to accept this as this was what they had taken from me in the first place and I wont have to write any further letters. Great! :j I suggest everyone tries this, it may not be so easy for everyone but it's gotta be worth a try! :beer: