Claim back any unfair bank charges! Article Discussion Area

lizwill

apologies if this question has already been asked, but am new here,today....i called halifax customer services today to pay the 5 pound charge to get list of my charges over last 6 years and the adviser informed me to be careful , as because i have a loan with the bank, if i proceed with this claim,they may make me pay it back in full....is this correct,and he also advised to open another bank account asap...will i have problems going to another bank,as they may not want my custom.sorry again if this has already been discussed as i am new to using this site...regards liz

Sarahsaver

They know we are doing this, they know we are going to complain, why else wouldwe want so many backdated statements? My (ex) bank have wavered between cagey and grovelling.
Question - I had the statements, complained and asked for a refund of just over 400 quid and they wrote back saying they believe they had been fair and stuckto their side of the bargain. Now do i threaten them with court? One charge was £70 for being overdrawn one day when a payment was due out.

Bear619

So far i have checked my statments, and I have paid £505 in the last 2 years to bank charges, How far back can you claim?

xanderd

Bear619 wrote:

So far i have checked my statments, and I have paid £505 in the last 2 years to bank charges, How far back can you claim?

claim back up to six years

kazmac_3

oldwiring wrote:

Can anybody help our friend???????

PLEASE!!!!!!!
Update...I decided to send hubby (ha Haa) personally to deliver the letter; suffice to say the staff were less than bemused! So, hand delivered on Friday; when can I send them the 14 day letter advising them I'll take legal action if they dont comply? Also if I get my statements before the 40 days and have calculated the charges, can I begin immediately? (40 days inc of w'ends or 40 working days etc)Also, any help on the cc situation, any help is def most appreiciated! x Also Im having a devil of a job downloading the spreadsheets, can anyone suggest anywhere than I can email myself one or a site to calculate the interest etc, many thanks again

sabelu

Am currently trying to recover around £700 from Halifax for mortgage arrear admin charges. Have filled out the Moneyclaim but as yet not submitted, have written to them now and advised that they have 14 days to reconsider before I file with Moneyclaim, does this seem in order?

claire23

Hi

Having looked through my old(!) records I have found statements from the clydesdale bank dated 2003 (had this account for years previously). I would like to claim back any charges I have had from them but my question is this:

The account is at my old address and in joint names (my maiden name). They don't have a record of my new address and name as I didn't get chance to inform them before they closed the account. How do I word the letter to them and more importantly - if the account is already closed (by bank and sent to DCA which I have now paid) can I claim back the charges?

Any help would be great......

Thanks


Claire

inmypocketnottheirs

claire23 wrote:

Hi

Having looked through my old(!) records I have found statements from the clydesdale bank dated 2003 (had this account for years previously). I would like to claim back any charges I have had from them but my question is this:

The account is at my old address and in joint names (my maiden name). They don't have a record of my new address and name as I didn't get chance to inform them before they closed the account. How do I word the letter to them and more importantly - if the account is already closed (by bank and sent to DCA which I have now paid) can I claim back the charges?

Any help would be great......

Thanks


Claire

Take a look at https://www.consumeractiongroup.com where you can register and access the library section and find a first letter to write to your old bankers. Send the letter to the address on the last statement, by registered post. In the letter say that you were Miss X until you married on xxx date, and enclose a photocopy of your marriage certificate.

Do not let themoff the peg, and remember you are entitled to 8% interest from the date of each charge. Also you can only go back a maximum of 6 years from todays date.

Good luck,a nd let us know how you get on.

StockportGerbil

Folks :-
My stepsons finances are a mess. I'm trying to sort them out and have noted the absurd amount he's been paying in bank charges, so I'm going to try and claim them back. I've written to the bank and got six years worth of statements.

I note that he sometimes get charged £10 (£7.50 and £9.50 previously) for having an additions account. When he moved from a child account apparently he was given this account. The 'advantage' of additions is free breakdown insurance (he didn't have a car until recently), free will writing service (he doesn't have any dependants or money to leave) and ...? Is it worth trying to claim that money back from the bank?

In the mean time Barclays (perhaps seeing the claim for bank charges coming) have sent a letter saying they want to close the account and they want the £800 overdraft paying immediately. Until they receive that money they are charging 20p a day. Given he has paid over £1000 in bank fees I am going to tell them to stick it and claim any 20ps back. Has anyone else experienced this?

Thanks

Kevin

claire23

Thanks inmypocketnottheirs. Have copied the letter ready to print off but was wondering how to word it for the change of address/name.

DO I send the letter to the branch or head office tho' ?

Thanks

Claire