Claim back any unfair bank charges! Article Discussion Area

Karnam

i need help. ive read both this and the illegal charges thread and the BAG forums but cant find the answer to my question. i am only just beginning to get ready to ask for the stolen money from my old now closed student halifax account.

i have downloaded the prelimenary letter but i do not understand it. in the preminary letter do i ask for the 8% interest in this first letter? also some of my charges were for only £2.50 should i ask for these and ALL charges back or just the obviously exportionate ones like £20-28?

i'm missing 3 statements so im still looking for them before i begin anything...

uberzoldat

The 8% is claimable through the courts, so if they don't pay up by the deadline you give and you have to make a court claim, then you add the 8%. (correct me if I'm wrong anyone)

The charges you can claim back are 'breach of contract' charges such as unpaid dd, returned cheque, gone over overdraft limit. I'm pretty sure this does not include things like cash advance fees or cheque handling fees or anything where they claim to be 'providing a service'.

Others will be able to give more detailed advice, I expect.

Karnam

this was an unpaid DD

"we haven't been able to pay the item below because your overdraft limit doesnt cover the amount

to cover our costs we make a charge of £2.50"

should i ask for this back? as £2.50 sounds reasonable for a the cost of a letter but i really don't like halifax!

i wont ask for the 8% interest.... yet. how do you know if the bank has entered a default on your credit account? i really am a complete newbie!

Karnam

which letter is for me? ive not even communicated to my bank since my account was closed and wanted to write my FIRST letter to the bank asking for my money back.

do i need
"Letter before action - Consumer version -asking for it back"

or

"Letter - Preliminary approach for repayment."

edit: never mind its the preli i need.

does anyone know how i go about finding out if i have defaults on my credit?

mark_steps

mark_steps wrote:

Back on 3 March, i wrote to my bank, via recorded delivery, asking for a DPA on my account, ie to see which charges had been applied in the last 6 years. I received a letter which said i had to pay a fee of £5 for these. I then called the phoneline and was still told the same. The fee has come out of my account so am just waiting on the statements.

What is my next step? Obv when the statemenst arrive, i highlight the charges, presumably photocopy where there are charges. I assume its then a case of sending the photocopies along with another letter to my bank. But what does the letter inc.?

I have been reading on the other site, bankaction, but i cannot understand any of it. Im not that bright you see... Any advice/info would be greatly welcomed.



x

Hmmm just a thought but i sent my DPA letter to the Banks Head Office in Edinburgh and they could forward it to whoever. My bank is in a small town which is linked to another one in another town so i wasnt sure where to send it to. Now it would probably be best to keep sending letters to the Office in Edinburgh right?

mjanet

mark_steps wrote:

Hmmm just a thought but i sent my DPA letter to the Banks Head Office in Edinburgh and they could forward it to whoever. My bank is in a small town which is linked to another one in another town so i wasnt sure where to send it to. Now it would probably be best to keep sending letters to the Office in Edinburgh right?

Yes if Iwas you I would send them recorded delivery so they can't say they haven't recieved them.

mark_steps

mjanet wrote:

Yes if Iwas you I would send them recorded delivery so they can't say they haven't recieved them.

Yeah i have sent them recorded delivery...har har the evil bankers, yup i said bankers - will not escape me!! hehe

Just waiting on the statements. Is this time gap still included in the 40 days notice i gave in my original DPA letter as there was a space of 3 days on receiving the letter to getting someone to send the statements...

miss_angie1

miss_angie1 v lloydsTSB....
I have been through all of my statements and worked out that I have paid £345 plus over draft interest of £25 in unfair charges so have completed my preliminary letter which I will be sending out recorded delivery tomorrow. I will update as and when I receive a response.

NEVILLE_THORNE

I want to claim back my bank charges but do not know how to register with the bank action group. If anyone could take me thru the stages i would be very gratefull.

dchurch24

I've never had to do it (I started the site/forum, and so just created the user when I installed the forum software).

But if you click on 'Register' at the top, it should be fairly straight forward.