Claim back any unfair bank charges! Article Discussion Area

shaun1977

ciaraboyle22 wrote:

DO i need to send proof (ie bank statements or letter from bank listing charges) with my first letter? i ask this because my bank Alliance & Leicester will charge £10 for sending out the letter with a list of my charges but can list hem out for free to me over the phone.

Also can i claim these charges back from my store and credit cards? (GE capital, Creation Finance and Barclaycard)

Hi, no you dont need proof for the first letter, but you will do later on an i wouldnt trust someone reading them to you. you will eventually need the statements or list of charges. go to www.!!!!!!.uk, all the templates you need are there as well as all the advice.
yes you can reclaim your charges from store and credit cards (GE capital, Creation Finance and Barclaycard) as well as catalogues, utility companies, etc. etc.

melpomene

I've just filed my claim against Am Ex this morning, & First Direct have acknowledged.

mhughes018

Anyone having trouble getting the letter from the library forum in the consumer action group? I've registered and still can't. Desperate to get the ball rolling First Direct must owe me a fortune!

shaun1977

MHughes018 wrote:

Anyone having trouble getting the letter from the library forum in the consumer action group? I've registered and still can't. Desperate to get the ball rolling First Direct must owe me a fortune!

try www.!!!!!!.uk evrything you need is there

bradders33

Can I claim on an a/c I closed?

I have closed my joint a/c this year but still have sole a/c open with same bank.

shaun1977

bradders33 wrote:

Can I claim on an a/c I closed?

I have closed my joint a/c this year but still have sole a/c open with same bank.

Hi yes you can claim on a closed account, however if it is joint and you needed two sigs then you will need the other account holders permission in writing, if it was sole signature then you are fine doing it without permission. go to www.!!!!!!.uk, all the advice you need on this is there

eiryld

I've received all my statement from HSBC and entered the details in the spreadsheet but I'm confused with regards to the figure I am to enter in this paragraph:

What I require
I calculate that you have taken £XXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £1003.13. I enclose a schedule of the charges which I am claiming with this letter.

The total charges they deducted is £798.00 and the interest, as per the spreadsheet calculation is £205.13 so is this the figure that goed where the second set of XXX are above?!

Thanks

shaun1977

eiryld wrote:

I've received all my statement from HSBC and entered the details in the spreadsheet but I'm confused with regards to the figure I am to enter in this paragraph:

What I require
I calculate that you have taken £XXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £1003.13. I enclose a schedule of the charges which I am claiming with this letter.

The total charges they deducted is £798.00 and the interest, as per the spreadsheet calculation is £205.13 so is this the figure that goed where the second set of XXX are above?!

Thanks

hi yes they are the figures

I calculate that you have taken £798.00 plus £205.13 which you have charged me in overdraft interest for the sum which you have taken. Total £1003.13. I enclose a schedule of the charges which I am claiming with this letter.


if you need help go to www.!!!!!!.uk loads of advice there.

eiryld

Hi

I've had a look at the website you quoted and it doesn't mention anything in the Schedule A document about claiming interest. This seems to suggest you only state the actual amounts charged.

The spreadsheet on this website calculates interest at 8% but I can't get my head round this wording: "which you have charged me in overdraft interest for the sum which you have taken".

Is the 8% figure right?! Am I entitled to request this back at this early stage or only when I proceed if they haven't paid up?

shaun1977

eiryld wrote:

Hi

I've had a look at the website you quoted and it doesn't mention anything in the Schedule A document about claiming interest. This seems to suggest you only state the actual amounts charged.

The spreadsheet on this website calculates interest at 8% but I can't get my head round this wording: "which you have charged me in overdraft interest for the sum which you have taken".

Is the 8% figure right?! Am I entitled to request this back at this early stage or only when I proceed if they haven't paid up?

you only claim the 8% when and if you file a claim at court, there is another spreadsheet at cc for that purpose the one you mentioned is for before you go to court stage.