A basic starting guide

Beate · 4 April 2007 at 4:38PM

You can send your second letter after 14 days already so don't wait around!
You are chasing the charges they have levied on your account for being overdrawn - you can find them on the statements. So yes, claim back the £140.

dolphin9294 · 4 April 2007 at 4:48PM

will post off 1st letter with postal order tomorrow, it just seems a long time to wait for 1st reply i.e. 40 days, the 14 days on the 2nd letter is fine but 40 on first is a long wait? please can you keep me informed on how you get on with your claim i.e. I love success stories, thanks dolphin9294

kim77 · 4 April 2007 at 5:24PM

Thats really cool. Thank you.

dj9928 · 4 April 2007 at 6:29PM

How do I work out the interest owed? My fees run from Aug 02 - Sept 05, do I just add up all the fees then add a certain percentage for interest or what? Or do i have to do each charge separate

cnoelj · 4 April 2007 at 6:32PM

Just use Martin's calculator on the site. Put in the date of the charge and the charge made for each item. It will give you a running total. It saves a lot of work, so it is a great tool

nuttyrockeress · 4 April 2007 at 7:36PM

Here you go, the link is Here

charlie3010 · 5 April 2007 at 10:41AM

wrote:

Don't send £10 cash. I did because I was skint and knew if I sent a cheque it would bounce and at the time I couldn't get to the PO. I had my money returned by Abbey saying they could not accept cash!!!! but they are sending 14 months of statements anyway. Thing is, they say they cannot give me a breakdown of the other 4 years 8 months because they have been microfiched - funny that cos I can get them online.

lornao1 · 7 April 2007 at 9:39AM

Hi, I am new to all this so I hope someone can advise me. I sent my 2nd letter requesting all charges back to my local Nationwide branch on 22nd March (recieved and signed for on the 23rd) and have not heard anything. The 14 days was up yesterday (Good Friday) so how long should I leave it until is send the next letter and am I doing the right thing by sending the letters to my local branch ?
Many thanks

Edinburghlass_2 · 7 April 2007 at 9:50AM

Obviously because of the Bank Holiday w/end you do need to allow a few days grace before going on with your next step as listed in Martin's article below.

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Bank Charges Video Guide | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

Leebcoward · 8 April 2007 at 11:06AM

As a new bank charge reclaimer myself I simply couldn't have done it without the help of this site. As some kind of thank you I have been trying to give advise to some queries that new reclaimers are having and trying to help using my experience as a foundation. The biggest single bit of advice I can give is to read this page ( http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632, ) carefully as it tells you almost everything you need to know. I would also suggest watching Martins video at this address ( http://video.google.co.uk/videoplay?docid=9061472225374011135 ) as this explains things in simple terms we all understand. Good luck to you all in your quest to reclaim your charges and remember that the banks are trying ever more sneaky tactics to put you off. STICK TO THE STEPS PROVIDED ON THIS SITE. STICK TO YOUR TIMESCALE NOT THE BANKS. READ THE LINKS I HAVE PROVIDED AS THEY ANSWER THE MOST COMMON QUESTIONS. And remember to thank the people that run this site so well as they work very hard to make it all happen.

Good Luck again.

A basic starting guide

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