Claim back any unfair bank charges! Article Discussion Area

Hourglass

Thanks Revered_Darkman and Plutos. I've gone onto the CAG site and registered and got the basics but he devil is in the detail. I would need to request statements detailing charges to start I think and then go through them - and then presumably have the shock of seeing how much of my money I have kindly donated to the banks.

Have you been through the process?

Reverend_Darkman

Hourglass wrote:

Thanks Revered_Darkman and Plutos. I've gone onto the CAG site and registered and got the basics but he devil is in the detail. I would need to request statements detailing charges to start I think and then go through them - and then presumably have the shock of seeing how much of my money I have kindly donated to the banks.

Have you been through the process?

Well I managed to get all my charges from the online statements at hsbc.co.uk - I presume you can do the same if you have internet banking - it was daunting, but six years worth of charges took me about an hour and a half to reconcile and have just been offered them back :-)

I have just sent off the request for another two - Northern Rock and AIX Recovery but those two are still within their 40 days to reply at the moment.

Hourglass

How did you do it through internet banking? Did you just enter the details onto a spreadsheet and send this off with your letter? I had online banking at HSBC but have since closed the account so not sure if I will still have access to the account that way. Congrats BTW on getting them back!

I am still right at the very beginning but have been on the CAG site getting all the details and browsing their FAQ section. I think I can reclaim charges on about 6/7 different accounts/CCs etc..... so am just wondering whether to go for it all at once as some have done or try 1/2 to begin with and then work my way through the list.

Good luck with yours - you seem to have started well anyway!

Reverend_Darkman

Hourglass wrote:

How did you do it through internet banking? Did you just enter the details onto a spreadsheet and send this off with your letter? I had online banking at HSBC but have since closed the account so not sure if I will still have access to the account that way. Congrats BTW on getting them back!

I am still right at the very beginning but have been on the CAG site getting all the details and browsing their FAQ section. I think I can reclaim charges on about 6/7 different accounts/CCs etc..... so am just wondering whether to go for it all at once as some have done or try 1/2 to begin with and then work my way through the list.

Good luck with yours - you seem to have started well anyway!

My Account is still open so still had access to online banking. Just get that letter posted and you'll soon be on your way! :-)

Babe28_2

Hi,
Just a quick question. I handed all the paperwork into court on 6th July but not heard anything yet and its now the 17th, can anyone tell me when I can expect to hear from them? Thank You.

elDeeJay

My girlfriend was charged £30.13 by Lloyds for going over her overdraft limit for less than 24hrs. Couple of Q's:

1) Is it worth bothering over this £30? Or should we just let it go?
2) We know the date/time of the claim - am i right in thinking we wont need to pay the £10 Dataprotection fee because we dont need a summary?
3) Can I just jump straight to "stage 2" i.e. the "you charged us this, we want it back" letter?

Thanks

maka_2

i have just had this questionnaire through for my case against lloyds tsb
there is a section called other
it askes for any other information that may help the judge to manage or clarify the claim?

what have people put in this box?

Reverend_Darkman

Babe28 wrote:

Hi,
Just a quick question. I handed all the paperwork into court on 6th July but not heard anything yet and its now the 17th, can anyone tell me when I can expect to hear from them? Thank You.

I got a reply within 3 days from HSBC asking for a full breakdown of charges, they may just ignore it however and you win by default!

Hourglass

Just wanted say thank you to Reverend_Darkman for the support!

Plutos_2

elDeeJay wrote:

My girlfriend was charged £30.13 by Lloyds for going over her overdraft limit for less than 24hrs. Couple of Q's:

1) Is it worth bothering over this £30? Or should we just let it go?
2) We know the date/time of the claim - am i right in thinking we wont need to pay the £10 Dataprotection fee because we dont need a summary?
3) Can I just jump straight to "stage 2" i.e. the "you charged us this, we want it back" letter?

Thanks

You know the date of the claim, so ask for it back.

As to whether or not you should claim it back - up to you. I'd be inclined to go after it in the same way I'd prosecute a thief who stole my wallet, even if there were 'only' £30 in it!