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when do I send follow up letter?
Hi, I wrote my first letters to Barcleys and Natwest about two weeks ago. Barcleys have sent 6 years statement within a few days together with the £10 check, so they did it for free. I have heard nothing from Natwest, when should I send a follow up letter? as they have 40 days to send the list of charges. Please help.…
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Help me please
Hi, Have just logged a claim with Bank of Ireland for just over £1000. They have responded with offer of £250. The details of my claim basically fall into 3 areas: Referral fees for going overdrawn (range from £9 to £19) Notified fees i.e. the quarterly charges for each item for being overdrawn in first place and interest…
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Im in debt with Lloyds but can I still claim back charges
Hi No doubt like so many others, I am jumping on the bandwaggon, and I am about to send my first letter in my case to Lloyds Tsb and obtain my statements. About a year ago I went to a debt agency to get help as I had run into difficulties. As a result all my creditors are on payment plans and things are much better. I am…
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Did the bank close your account after you reclaimed?
A journalist from the Sunday Times is writing an article on bank charge reclaiming and is looking for people who've had their accounts closed after they reclaimed. If you wouldn't mind having a chat with him about your experience, please PM me with your name and tel no. and I'll forward them on.
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Is it worth it?
just went through all my bank statements and the total bank charges I have incurred is £103. I wouldn't mind getting it back but is it worth it? Will they bother with such a small claim?
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Question about bank offer
I have a query which I hope someone on here might be able to help me with. Right, I have asked the Halifax to pay me back £179.40 this includes interest, they failed to respond to any letters so last week keeping to timelines set in my letters (thanks for the templates btw) I handed in my N1 to the local county court. Now…
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Advice on a claiming both bank and credit charges
I am regretably in some debt currently. We are in the process of claiming bank charges back, though in the claim was also approx £600 of current charges. They have now closed the account and the charges seem to have disappeared. They haven't responded to my first letter asking for charges back and detailing each charge.…
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Partial settlements
Having read through some posts on this site and also the founders coments on Tv (Friday) I feel that the issue of partial settlements needs to be discussed in full. Therefore I suggest that accepting a partial settlement is the wrong thing to do. You should ask for in fact demand all your money back that the bank have…
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Applicable to South West trains?
Sorry if this is in the wrong place, but I was wondering if the law on unfair charges might be applicable to penalty charges administered by South West trains. Yesterday I was charged £20 because of the mistaken assumtion that you can use Oyster Pay as You go on national rail as long as both stations have Oyster Card…
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help needed
I have won with barclays as the defence they entered on the last day was wrong they put the wrong name on it hehehe so they didnt have any time left to re enter a new defence,money claim have told themn to pay up but they havent how long do i wait before i get a warrant and send the baliffs in? should i telephone the bank…
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bank used overdraft charges to mis-sell personal loan?
May be I am clutching at straws but I have just filled out my letter to the bank about reclaiming my overdraft charges and whilst I was worring about whether or not they could make me repay my personal loan it occurred to me that I wouldn't even have my loan if it wasn't for the overdraft charges. They wrote to me saying…
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lost threads
i have already posted 2 threads on this and everytime i go and look for it -- it disappears - Why? i AM ASKING IF ANYONE HAS DEALT WITH AIRDRIE SAVINGS BANK--have you moved this somewhere if so where.
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what charges
I'm new to the forum and am not sure if I am doing this right, but I wanted to ask about reclaiming bank charges. Can I also claim back the 60.00 for unpaid direct debits and 30.00 for standing orders or is it just overdraft excess fee? Thank you
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Reclaim of charges
Have just downloaded and filled in my first letter need to know is it 40 straight days for a response or working days just so l can put it in my diary
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Initial letter asked for wrong total claim
I've just triple checked the fees total over the last 6 years and I've realised all my initial letter to my bank asked for the wrong total back :mad: I missed a few charges. Now I'm about to file a court claim online as the bank have refused payment. Shall I claim for the correct amount, or continue to claim for amount I…
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Replying to a court order... help!
My court date is due soon... What documents do I need to send them? Just copies of letters and statements? Cheers, James :)
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Credit score ruined, can't open a new current account.
My credit score has been ruined because of the mess LloydsTSB got me into with being repeatedly overdrawn and having them continually charging me. I would not have had this problem if the charges had have been at a "fair and reasonable" level. I would have soon been in significant credit and the problem would not have…
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Interest Fees causing u to exceed limit - £30 charge
Cahoot have done this to me for the last three months.... £30 each time. I'm sure I read somewhere that financial institutions can't do this.... Basically, my account was £3 within my limit but an interest charge pushed it £2 over the limit. Hence, I got charged £30 for unauthorised overdraft. Is this allowed? I'm sure…
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bank charge from nat west
Hi guys wonder if anyone can shed light on a situation. I went to an alliance and leicester cashpoint recently checked my balance and checked the balance before i withdrew some money and it said i had a credit balance enough to withdraw what i wanted at that point. i had no dd due out so proceeded to take money out of the…
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Scared of reclaiming - should we be? Really worried...
My wife and I are planning to start the process of reclaiming charges on both our Halifax bank accounts, and also cards with Egg, Halifax, Sainsburys Bank and GE Capital. I was just getting the letters ready last night to send off and get the details on the charges when we spoke about it all and suddenly we realised we are…