Claim back any unfair bank charges! Article Discussion Area

shaun1977

stuart1 wrote:

Although I paid probably a couple of thousand pounds in chargres, when I left (or closed) my account I had signed a protected trust deed and owed the bank money. If I reclaim my charges will these be refunded?

Stuart.

you can reclaim the money, allthough it will go to the trustee, to be distributed.

shaun1977

sabelu wrote:

Well to update you on the above

Citibank have acknowledged my firmer request for charge details and confirmed they will follow. Then I can raise the next letter.
Halifax are still considering their response to Moneyclaim (will I see a copy before the verdict), but they have said they are contesting.
LloydsTSB have just confirmed they will contest and have 28 days.

Whats the view how are things going for me?

everything is going as per normal, just hang in there

shaun1977

chris_&_pete wrote:

HELP i have sent a copy of your first letter to reclaim the chargers on my account i recieved the standard letter in reply "sorry you are unhappy ect".
I then sent the second letter but i didn't address it to the same person and i again recieved a copy exactly the same as the first one. What should i do now? :huh: :undecided

Hi its court time. go to https://www.!!!!!!.uk/forum, all the templates, spreadsheets and advice are there

shaun1977

Jagsman wrote:

When sending the first letter for reclaiming charges, which department should i address the letter to and how can i find the right address?

hi, please send the first letter from https://www.!!!!!!.uk/forum. it saves a lot of time, sen it to your local branch or the head office there is a list of addresses at the site above

martin's_little_pupil

:confused
Hi everyone,
I have to say, this is got to be the best site i have ever found on the entire web. im really new to all this and am still trying to navigate my way round the MSE site so please forgive me if im in the wrong place writing this. I have many questions and would be eternally grateful if anyone could help answer some of them regarding bank chages.

Can i still claim them back if it is within the six year period but the account has been closed for sometime???...

Can i claim back from? eg: store cards./ mortgage accounts, past and present./ credit cards, past and present.

Is there anywhere i could get a sample/draughted letter to send to the banks? (bit of a thickie) not very good at putting a letter together.


Can i write to the bank and ask to see the amount i have paid in charges before i decide what to do about it, has i have a £400 overdraght limit and can't make ends meet without this, so if i, for eg: only had, say £200 to come back and they closed my account down it would leave me in a right old mess.

One more question?? (stupid i know) but not yet very familiar with the pc either. how do i get your reply's? do i just keep watching this space???.
SORRY!!! IM A PAIN. But THANKYOU SO MUCH. You all seem such great people on here.xx

shaun1977

martin's_little_pupil wrote:

:confused
Hi everyone,
I have to say, this is got to be the best site i have ever found on the entire web. im really new to all this and am still trying to navigate my way round the MSE site so please forgive me if im in the wrong place writing this. I have many questions and would be eternally grateful if anyone could help answer some of them regarding bank chages.

Can i still claim them back if it is within the six year period but the account has been closed for sometime???...

Can i claim back from? eg: store cards./ mortgage accounts, past and present./ credit cards, past and present.

Is there anywhere i could get a sample/draughted letter to send to the banks? (bit of a thickie) not very good at putting a letter together.


Can i write to the bank and ask to see the amount i have paid in charges before i decide what to do about it, has i have a £400 overdraght limit and can't make ends meet without this, so if i, for eg: only had, say £200 to come back and they closed my account down it would leave me in a right old mess.

One more question?? (stupid i know) but not yet very familiar with the pc either. how do i get your reply's? do i just keep watching this space???.
SORRY!!! IM A PAIN. But THANKYOU SO MUCH. You all seem such great people on here.xx

hi, yes you can reclaim on those accounts, and you can get a list of all your statements dating back 6 years for £10 which can also be reclaimed, there are all the letter tamplates you need at https://www.!!!!!!.uk/forum, as well as all the advice you need, just register and post. you can subscribe to this thread by clickin on thread tools at the top

martin's_little_pupil

Thankyou so much Shaun. Your a Diamond.x

tazzababe

Hey ho!
Just wondering who I post the letter asking for a list of charges to, does it go to my branch or to head office? I have no idea
Thanx

shaun1977

tazzababe wrote:

Hey ho!
Just wondering who I post the letter asking for a list of charges to, does it go to my branch or to head office? I have no idea
Thanx

your better of handing it in at your local branch with ten pou cash and getting a reciept, but if this is not possible then just send recorded to local branch, go to https://www.!!!!!!.uk/forum for the data protection act letter, this also acts as your first request for a refund, saving time.

martin's_little_pupil

shaun1977 wrote:

hi, yes you can reclaim on those accounts, and you can get a list of all your statements dating back 6 years for £10 which can also be reclaimed, there are all the letter tamplates you need at https://www.!!!!!!.uk/forum, as well as all the advice you need, just register and post. you can subscribe to this thread by clickin on thread tools at the top

Hi Shuan, for some reason i can't register on the webpage you quoted me it keeps saying An Error Has Occurred! You are not allowed to access this section when i tried to register. I have tried all different ways with different usernames, passwords, and email adderesses but to no avail can you suggest anything please???? THANK YOU