Bank Charges - illegal?

dchurch24

dixie_dean wrote:

Hi Dc

Tried to PM you this but you're over storage limit - i guess a lot of people doing the same! Here goes anyway...

Just having phone merry go rounds with Lloyds and after a bit of advice. I'm off on holiday for 3 weeks on sunday and am loathe to wait until I get back to get it sorted. If they are looking into the problem and I start legal proceedings without telling them - im !!!!!! off with talking to staff who are either playing dumb or are not playing, just are - will this in any way work against me. I messed up by ingoring the perfect procedure as my original letter was to get statements AND tell them I would start proceedings if they didnt pay up. I'm only claiming for £100 but have had enough going round every single number in the lloyds book.

Cheers
Bob

Did you give them a time limit to give your cash back? If you did and they are over it, then go for it.

SAP_Saver

Do you have a standard letter you could send to your bank to start off these proceedings?

inmypocketnottheirs

SAP_Saver wrote:

Do you have a standard letter you could send to your bank to start off these proceedings?

Take a lookmon https://www.bankchargeshell.co.uk and https://www.bankactiongroup.com

All the letters you need are on there.

HTH

dixie_dean_2

dchurch24 wrote:

Did you give them a time limit to give your cash back? If you did and they are over it, then go for it.

Am going for it right now. If they back down before court do they have to pay my costs? How long is this all likely to take?

kennyward

well good afternoon to all you(FELLOW BANK CHARGE FIGHTERS).just had a look @ my online account and there it is £185.00 beautiful SMACKEROONIES.Of course i intent to celebrate with the customery few beers and then its use the rest to start the ball rolling elsewhere.Also (FELLOW BANK CHARGE FIGHTERS) within a very nice letter i recieved today and i quote.Please could you also let me have a copy of any charges you have incurred and i will reimburse them to you.I could,nt believe it when i read it.That is like music to my bloody ears.(LET THE BATTLE BEGIN) kind regards to all who have helped.kenny :j :beer: :rotfl: :T

JasonW_2

Congrats! Which bank was this with?

dchurch24

dixie_dean wrote:

Am going for it right now. If they back down before court do they have to pay my costs? How long is this all likely to take?

Yes they do - you could let them off it you like, but I wouldn't ;-)

From start to finish, in my estimation, it should take 42 days.

msaquib

Hi All,

I have sent a letter to capital one regarding charges for £345.00.

I have now received the following response:-

---

Dear XXXXXXX

Account No. XXXX XXXX XXXX XXX

Thank you for taking the time to write to us about the fees we've added to your account. I understand you feel these are punitive in nature and unfair and I'm sorry to hear you feel this way.

Looking at your account, I can see you last used your card on 2 August 2004 and spent £3.65 over your agreed credit limit. In September, we received a payment of £10 but it wasn't enough so we automatically added a late payment and overlimit fee.

In your credit agreement, which you signed when we opened your account, you agreed to pay our fees. To explain, we add a late payment fee of £20 to your account if your payment is late or hasn't reached us by the date on your statement. We also add an overlimit fee of £20, if your account goes over your agreed credit limit.

Because we didn't receive a payment for six months, we sent you a default notice on 23 February 2005. This asked you to pay your overlimit amount of £345.79 within ten days. Unfortunately, we didn't receive this so we passed your account to a debt collection agency.

I understand you believe these fees are unfair, and the Office of Fair Trading has investigated this. However, our fees are in line with fees other banks and financial institutions charge.

You've mentioned you'd like me to refund all the fees we've added to your account in the last year. I'm afraid I'm unable to do this, because we've added them correctly and in line with your credit agreement. However, as a goodwill gesture I've refunded £40 of fees to help reduce your balance, your outstanding balance is now £505.79. I've also included copies of your statements as you've asked.

Your account is now with a debt collection agency called Equidebt, so you'll need to contact them directly to discuss a payment arrangement. Their telephone number is 01789472180.

I realise this isn't the answer you were hoping for but I hope I've explained things clearly. If you have any more questions about this, please write to me again within four weeks. I've included a copy of our complaints leaflet, which gives my address.

Once again, I'm sorry you feel our fees are unfair, and that I've been unable to refund all of them for you. I hope you can work together with Equidebt and set up a payment plan that suits you both.
Yours sincerely

Lee Powell
Executive Office Manager

---

Any suggestion? What next step can I take??

Thanks in advance
S11

carlih1

msaquib wrote:

Hi All,

I have sent a letter to capital one regarding charges for £345.00.

I have now received the following response:-

---

Dear XXXXXXX

Account No. XXXX XXXX XXXX XXX

Thank you for taking the time to write to us about the fees we've added to your account. I understand you feel these are punitive in nature and unfair and I'm sorry to hear you feel this way.

Looking at your account, I can see you last used your card on 2 August 2004 and spent £3.65 over your agreed credit limit. In September, we received a payment of £10 but it wasn't enough so we automatically added a late payment and overlimit fee.

In your credit agreement, which you signed when we opened your account, you agreed to pay our fees. To explain, we add a late payment fee of £20 to your account if your payment is late or hasn't reached us by the date on your statement. We also add an overlimit fee of £20, if your account goes over your agreed credit limit.

Because we didn't receive a payment for six months, we sent you a default notice on 23 February 2005. This asked you to pay your overlimit amount of £345.79 within ten days. Unfortunately, we didn't receive this so we passed your account to a debt collection agency.

I understand you believe these fees are unfair, and the Office of Fair Trading has investigated this. However, our fees are in line with fees other banks and financial institutions charge.

You've mentioned you'd like me to refund all the fees we've added to your account in the last year. I'm afraid I'm unable to do this, because we've added them correctly and in line with your credit agreement. However, as a goodwill gesture I've refunded £40 of fees to help reduce your balance, your outstanding balance is now £505.79. I've also included copies of your statements as you've asked.

Your account is now with a debt collection agency called Equidebt, so you'll need to contact them directly to discuss a payment arrangement. Their telephone number is 01789472180.

I realise this isn't the answer you were hoping for but I hope I've explained things clearly. If you have any more questions about this, please write to me again within four weeks. I've included a copy of our complaints leaflet, which gives my address.

Once again, I'm sorry you feel our fees are unfair, and that I've been unable to refund all of them for you. I hope you can work together with Equidebt and set up a payment plan that suits you both.
Yours sincerely

Lee Powell
Executive Office Manager

---

Any suggestion? What next step can I take??

Thanks in advance
S11

How long till they sent you this letter from when you sent yours?

msaquib

carlih1,

Reply received within 8 working days but this was my second final warning letter to them.

S11