Claim back any unfair bank charges! Article Discussion Area

meb31

After 9 days just had first responce from the Abbey about my complaint, they have basically said they will need a full investigation and they will get back to me in 4 weeks. I take it that i still send them the second letter next week anyway?

jonesey

Hi could someone give me some advice please.my mum has had a returned direct debit for not having enough funds in her account{she didn't put enough money in to cover it}This is the first time this has happened to her.The bank are charging her £30.00 for this,is she entitled to claim this back.
Many Thanks

shaun1977

hi, yes she is entitled to claim it back. if it is the first an only one though you are better off going to the bank and just asking they wiil usually just give the first few back without an argument. otherwise if your mother doesnt feel happy doing this just let me know and i will gladly write her a letter.

shaun

shaun1977

meb31 wrote:

After 9 days just had first responce from the Abbey about my complaint, they have basically said they will need a full investigation and they will get back to me in 4 weeks. I take it that i still send them the second letter next week anyway?

hiya, they are doing the standard letter taking your demand for a refund as a complaint. i am not sure what letter you have sent but for me the next stage would be court, pop over to the link in my sig and i will be pleased to help you out

melpomene

meb31 wrote:

After 9 days just had first responce from the Abbey about my complaint, they have basically said they will need a full investigation and they will get back to me in 4 weeks. I take it that i still send them the second letter next week anyway?

It sounds to me that you still need to send a Letter Before Action, the 'second letter'. Don't jump to the court stage if you haven't sent this letter giving them a final 14 days to act (refund your charges!).

Mel

Psychokatz

Ok - it's me again! Have been searching for an address and phoning everywhere like a woman possessed. Either way I am struggling to obtain an address here in England - despite the fact that the Bank of Scotland is now the Halifax Bank of Scotland. They are insistant that any correspondence goes to an address in Dunfermline. GGGrrrrrrr!

In the meantime I have also discovered that the AA Visa Card we hold is also from .. yes ... you guessed it.. The Bank of Scotland - Head Office based in! They sent a letter a couple of months ago with regard to a late payment, however the address is in Halifax - the collections dept.... Would I be able to use this one. The only thing I would say, is that the footnote on the bottom of the letters from the AA and the Bank of Scotland state "The Govenor and Company of the Bank of Scotland constitued under an Act of Paliament 1695. Head Office: The Mound Edinburgh, EH1 1YZ. The Bank of Scotland Credit Card Services is in Dunfermline.....

Any advice would be sssssssssssooooooooooo appreciated!

shaun1977

Psychokatz wrote:

Ok - it's me again! Have been searching for an address and phoning everywhere like a woman possessed. Either way I am struggling to obtain an address here in England - despite the fact that the Bank of Scotland is now the Halifax Bank of Scotland. They are insistant that any correspondence goes to an address in Dunfermline. GGGrrrrrrr!

In the meantime I have also discovered that the AA Visa Card we hold is also from .. yes ... you guessed it.. The Bank of Scotland - Head Office based in! They sent a letter a couple of months ago with regard to a late payment, however the address is in Halifax - the collections dept.... Would I be able to use this one. The only thing I would say, is that the footnote on the bottom of the letters from the AA and the Bank of Scotland state "The Govenor and Company of the Bank of Scotland constitued under an Act of Paliament 1695. Head Office: The Mound Edinburgh, EH1 1YZ. The Bank of Scotland Credit Card Services is in Dunfermline.....

Any advice would be sssssssssssooooooooooo appreciated!

hiya, issue your claim against the branch itself, i presume that is in england and that is where the conrtact was signed so it will be governed by english law in england. same with the AA unless it was done over the internet, and even then the address where you send your payments would proably be in England.

jonesey

Thanks Shaun for the advice my mum is going in first thing tomorrow morning to try and sort it out,I'll take you up on the letter if she doesn't get the charges refunded though,if that is ok.Thanks once again.

shaun1977

no problem. just let me know

bexsy64

Hi, sorry to sound stupid, but just wanted to double check what you can claim. I understand you can claim for when the bank charges you £30-odd for bouncing a cheque or direct debit, but what about the interest and service charges which are charged at the end of each month. I assume those charges are considered fair, but just wanted to check before I send off my letter - 'in for a penny' and all that!