Claim back any unfair bank charges! Article Discussion Area

Legend79_2

sandhabibi wrote:

When I first went overdrawn with barclays they charged me but then put the money back saying I'd been a gd customer with a clear past record.
What I'd like to know now is I'm currently on a debt management program and while this is/was being set up incurred lots of late payments charges and over limit charges, can I still claim these back even though I haven't been paying them any money apart from through debt management company.
Thanks for any advice on this one as if I can it will get the owned amounts down loads especailly when it was their charges that took me over the limits.

I have recently been in a similar situation and was also making payments through a debt management company and accrued unfair charges in the process. I have recently had all of my charges refunded. The fact that you are paying through someone else is besides the point as there charges are still held to be unfair and you will be able to claim these back.
Good Luck

MrJuggles

That's reassuring, I too am going through a debt management plan and currently my debt has INCREASED by £1200 in the last month due to a mirriad of charges. As I type i am going through all the companies and sending out the first 'Data Protection' letter

sandhabibi

MrJuggles wrote:

That's reassuring, I too am going through a debt management plan and currently my debt has INCREASED by £1200 in the last month due to a mirriad of charges. As I type i am going through all the companies and sending out the first 'Data Protection' letter

Is this in a thread some where on how I send out the first data protection letter please?

MrJuggles

You need to go over to The Consumer Action Group and register with them. Within thier forums are all the template letters and all the guidance you'll need to follow this action through from begining to end.
For a great synopsis of what to do though go to here

Jonni2bad

AircraftHandler wrote:

...What do i do next then? do i send the Preliminary approach for repayment letter?...

Spot on. Giving 14 days of course, and then if no response, or not the full amount offered, proceed to the Letter Before Action.

Best of luck.

Jonni2bad

aaronsmoney wrote:

Hi

Just wondering. My Scottish trust deed is due to end shortly and i was just wondering would it still be possible to claim back my charges on my old account with the BOS. The overdraft in this account was included in the trust deed so im unsure if it would work. I will eventually be out of debt shortly but if this could work it would give me a nice start after being debt free as i probably wont get credit anywhere for a while (not that i want any. Set dead against it now).

Cheers

Hi Aaron

I'm not familiar with Scottish law / terminology. Is the trust dead just a debt management plan, or similar to the English IVA, or bankruptcy?

If debt management, then you should certainly be able to get your plan for refund underway. If it is like the IVA or bankruptcy, then you would probably have to wait until it had been settled (not least because any refund would simply be split up between existing creditors under your agreement).

Jonni2bad

haydnwelch wrote:

NAT WEST DEFENCE:

I too have received their (last minute) defence. A 5 page document and also a Request for Further Information on a 3 page document, asking for masses of answers to legalese jargon and these answers to be returned within 14 days.

Obviously sabre rattling, they want lists, amounts, descriptions, dates of all charges.....

How do we proceed to answer now it gets to the nitty gritty?

I presume you have received the Allocation Questionnaire with this defence?

The form should have a number - either N149 or N150 - which one do you have?

These forms are actually quite straight forward, but you can use them to your advantage in asking the judge to order standard disclosure (not a guarantee by any means).

You should certainly include a schedule of charges, detailing the charges type, date incurred, amout, and the value of interest at 8%. Have you seen the spreadsheets for this on Consumer Action Group?

domestic_goddess

HI there

I have a claim going through with abbey at the moment. They have acknowledged my claim.... what usually happens at this point with abbey?

mshaw77

Help Anyone, I am panicking!!! I have been with barclays for 5 years and have claimed back £900 in charges and interest from them. They have filed a defence and a court date in October 2006 has been set. What do I do, it says in the full article (The court will now set a date (if the bank hasn't already given your money back by this point - and most will have done). Some (actually only one has ever got this far) might actually attempt to win in court - they may claim that the charges are for an extra service and therefore not a penalty, and thus legally enforceable. If this happens, come to the forum - we have this angle covered, it's slightly more complicated but worth it in the long run.)

But I can't find it anywhere. Can somebody help?

Regards Michelle

keithkeith

I'm going to fill in the moneyclaim online form. I'm claiming for 2 accounts, both in the same name and with the same bank. Should I combine these into one claim, or make 2 separate claims?