Claim back any unfair bank charges! Article Discussion Area

sallywoo

i going to send off the data protection letter tommorow the 40 days are they working days or calender days ?
and i said i authorize the statutory maxmumfee of £10 to be taken out of my account is this the way to do it ?

shaun1977

hi, its 40 calendar days.
the best way is to han it in at your branch with cash and get a reciept but if thas not possible then yoyr way is fine but make sure it is sent recorded. and chase them up in a couple of days to make sure they take the £10 as the 40 days dont start until they do, and as you can imagine they dont rush to do it.

sallywoo

ok then ill take that into consideration
thank you

family_life_2

Hi peeps, can anyone offer me some advice please. On the 14th July 2006 I posted the £10-00 cheque along with the letter asking for my account statements asking for my last 6 years of history which they have done in the correct time scale. Having said that, They have sent me statements for the first 18 months and the remaining lot are just computer print out's of statement entries, does anyone know if this is acceptable or wrong. My other queries I have are the interest charges for the spread sheet, I'm not the most intelligent bloke in the world and I have struggled like mad to work these out as far as putting in there what I need to. I don't want to put the wrong interest in and have my claimed delayed because of an input error. Am I right in assuming that I can claim for interest for overdraft, bounced and overdrawn charges only? I can't seem to work this out cause I feel that Lloyds have pulled a fast one with regards to sending me part statements and part compuetr printout's. any help on this matter would be perfect. thank you all. please reply, as I want to clear this up before I start on the wife's account. best wishes all. keep fighting em.

shaun1977

hi family life, as for the statement and printouts this is acceptable im afraid as they argue that past years are held on microfiche which is not covered by the dpa as being a filed format (easily accessable) however they usually dont give the print out to readily either so you have done well not to have a fight to get that far.
sadly you cant claim the interest on your overdraft only on the interest added to the charges themselves, which is more than a little difficult to workout. if you are struggling with the spreadsheet we have one at www.!!!!!!.uk that is very easy to use and i will glady run you through it. allthough you dont add the 8% interest until you file your claim at court.

hope this helps you

Jaap

Hi there,

I'm a bit new to this lark, and not very quick on the old uptake - so please bear with me....

Last week I took myself overdrawn by £20 (I also think that it's a bit harsh allowing someone to go overdrawn at a cashpoint - surely their computers can tell if the money I'm requesting will take me OD? - but anyway..) and Barclays have charged me £60 for the priviledge.

Do I have a leg to stand on with regards to claiming this money back?

shaun1977

hi, yes you certainly can claim this back and any similiar charges over the past 6 years (if in England).
go to www.!!!!!!.uk you will find all the letters and answers to your questions there

morganlees

Hello,

I have a large graduate loan with my bank which i have always made the repayments on. I have, however, paid out hundreds of pounds in bank charges over the last 6 years - often for going a few pounds over my overdraft and bringing my account into credit the very next day! My question is, if i try and reclaim these charges is it possible the bank will insist upon the immediate repayment of my graduate loan? Can they do this?

Many thanks.

shaun1977

hi, simple answer is no they cannot touch the loan as it is a different account and under a different contract.
Furthermore if they could do this all you would have to do is make them an offer to pay it off monthly at what you could afford and they would be in no position to refuse as that is exactly what a judge would make you do in court.
but thats besides the point, im just rambling

they cant touch it.
so get reclaiming the charges go to www.!!!!!!.uk
everything you need is there

morganlees

Thanks for the help. I shall certainly get going on reclaiming these charges. I'm really glad i found this site as these bank charges have always made my blood boil and i usually end up yelling down the phone at some Lloyds customer service person, which doesn't really get me anywhere!

Thanks again.