Claim back any unfair bank charges! Article Discussion Area

kit

carriel wrote:

mmmmmmmm reply from IF they will send statements at a cost of £60 erm no thank you! I have replied & asked instead for a breakdown of all charges applied to my account during this period, lets see what they come back with.

One way or another, they have to give you the information and can only charge you a maximum of £10.
Remind them that they have to provide you with this information under the data protection act.

kit

renegade78 wrote:

Hi,
I wrote to Barclays asking for all my charges back and they have just replied offering £400. This is not close to the amount they have taken. If I refuse, am I likely to win more? Has anybody else had dealings with barclays and won?

write to them saying that you accept their offer of £400 but will be pursuing the rest of the amount they owe you via the courts. Tell them they have 7 days to reasses their offer.
They will either say no - so you apply to court.
Or
they will offer you another amount - which is still not the full amount so you apply to court.

Either way, you will probably have to apply to court but by doing it this way, the courts would be able to see that you have given the bank enough chances to sort it out.

kit

bluevegas wrote:

I am about to ask Barclays for my charges back but does anyone know whether I could ask for the charges back from my mortgage account at Royal Bank of Scotland which is still open or is that too dangerous? and is it possible to get charges back from an account that is now closed?
Cheers

I have claimed back charges from a previous mortgage. Not sure how risky it would be to try on a current morgage. I doubt they could actually close it down but I'm not 100% sure.

You can get charges back from a closed account (I've done that too). As per open accounts, you can only go back 6 years from now though so it would depend when you closed it etc.

Woza_3

Hi All
I have recieved my First offer from Barclays offering me £1000 (claimed for £3400), obviously this is too low but would like to know what my chances are and time scale if I declined this offer and persued for the full amount?
Thanks

CheeseOnToast

Woza wrote:

Hi All
I have recieved my First offer from Barclays offering me £1000 (claimed for £3400), obviously this is too low but would like to know what my chances are and time scale if I declined this offer and persued for the full amount?
Thanks

You should accept the £1000 as partial payment and inform them you will continue to claim the remaining amount.

Woza_3

CheeseOnToast wrote:

You should accept the £1000 as partial payment and inform them you will continue to claim the remaining amount.

I have a form which they have asked me to sign to accept the £1000 that they offer, do I sign this and send letter back together mentioning that I am still going to claim for the remaining amount?
Thanks

melpomene

Woza wrote:

I have a form which they have asked me to sign to accept the £1000 that they offer, do I sign this and send letter back together mentioning that I am still going to claim for the remaining amount?
Thanks

hi

i had the same scenario with FD last week. i sent a letter explaining that i accepted the offer in part payment & would continue to pursue the remainder of my claim. i didn't sign & return the offer slip.

Mel

Woza_3

melpomene wrote:

hi

i had the same scenario with FD last week. i sent a letter explaining that i accepted the offer in part payment & would continue to pursue the remainder of my claim. i didn't sign & return the offer slip.

Mel

Hi
Have you been credited the amount which they offered you yet ? they said that they would credit my account within 7 days, would be nice to have that money paid in and then get the rest from them after.

melpomene

Woza wrote:

Hi
Have you been credited the amount which they offered you yet ? they said that they would credit my account within 7 days, would be nice to have that money paid in and then get the rest from them after.

No, at least not as far as i know! I expect that accepting your part offer (literally!) now wouldn't be prejudicial.

I have another issue which is that i would prefer a cheque anyway as that account is now closed.

Mel

Woza_3

I have just sent off my letter today refusing thier first offer, so I will update and sit tight for a response which will hopefully be the full asking amount;)