Claim back any unfair bank charges! Article Discussion Area

garyphimister

Thanx for replying

I have disupted and asken the account to be frozen but they still have not done this, if I make a claim should it be for undisclosed amount or do I need to put a sum:beer:

shaun1977

garyphimister wrote:

Thanx for replying

I have disupted and asken the account to be frozen but they still have not done this, if I make a claim should it be for undisclosed amount or do I need to put a sum:beer:

you need to put a sum or at least an estimated sum based on the amount you know about.

your best bet however is to start from the beginning by requesting your statements under the dpa and telling them to not register any defaults under section 10 of the dpa.

www.!!!!!!.uk

geoffreystuartlongden

shaun1977 wrote:

hi, it seems that they still have not taken payment, so the best thing you can do now that it is recorded is call them every now and then (pester them) if they think your not bothered they wont be. the 40 days do not start until they cash the cheque, the ico will probably do nothing just yet. they are so busy that they want to see you have done everything possible first. which you will have done once pestering them for a while. also write them another letter explaining about the £10 charge and explain what you have said about only charging if they have the cheque. you can claim that charge back as well as the £10 for the statements.
dont let up

Thanks for your help.

After sending it by recorded delivery the bank has amazingly acted very quickly and i have my statements. just in process of going through them.Will let you know how it goes.

Thanks again :beer:

shaun1977

No problem. excellent news, your on your way now with the marker pen.

the next letter to claim the money is in the libray at www.!!!!!!.uk

magic64

Hi All,

Just signed up, thought i'd say hello. I too am tired of the bank taking funds at will from my account and i'm about to set on the trail of reclaiming my bank charges with the help of this site. I banked with RBS with a current and business account but through this site i have opened a new account with A&L. In 6 years of bank statements i estimate at least £6000 in charges. Although i had my business acount with RBS for 22 years i have now closed the account, can i still reclaim the charges even though i have closed the account?

Thanks

Magic

shaun1977

magic64 wrote:

Hi All,

Just signed up, thought i'd say hello. I too am tired of the bank taking funds at will from my account and i'm about to set on the trail of reclaiming my bank charges with the help of this site. I banked with RBS with a current and business account but through this site i have opened a new account with A&L. In 6 years of bank statements i estimate at least £6000 in charges. Although i had my business acount with RBS for 22 years i have now closed the account, can i still reclaim the charges even though i have closed the account?

Thanks

Magic

hi, yes you certainly can claim on both business and closed accounts the letters are slightly different for both though. you will find them at www.!!!!!!.uk

bexsy64

shaun1977 wrote:

hiya you guessed right, the service charge cannot be reclaimed, and only the interest on the charges can be claimed which can be a nightmare to work out.

Thanks so much for your advice Shaun. Am finally ready to start claim against Nat West for £965- prelim letter and schedule of charges are ready to go recorded delivery 1st thing tomorrow morning. Watch this space!

Now on to LLoyds TSB!

xanderd

Has anyone ever thought to use the Freedom of Information act 2000 to request a full breakdown of the charges incurred to banks with respect to breaches of contract?

Is this possible?

Surely this would give absolute proof that the charges are disproportionate to their costs and everyone would be entitled to an automatic refund?

shaun1977

xanderd wrote:

Has anyone ever thought to use the Freedom of Information act 2000 to request a full breakdown of the charges incurred to banks with respect to breaches of contract?

Is this possible?

Surely this would give absolute proof that the charges are disproportionate to their costs and everyone would be entitled to an automatic refund?

Unfortunately the Freedom of Information act 2000, is for public authorities, and public companies that are owned by the government, and not privately owned companies.

sallywoo

when exactly will the account gointo dispute?
will it be after the bank act on the DPA letter or when they receve the clam letter?