Claim back any unfair bank charges! Article Discussion Area

shaun1977

markluke wrote:

Hello everyone,

I hope I've posted this in the area.
I have sent the DPA letter to barclaycard, and they sent me statements from May 2004.
But before that it is going to cost me £3 a statement. They sent a letter with my statements, saying that the statemetns are on microfiche in date order and more than one customer could be on them and these are not "readily accessible" within the meaning of Data Protection Act.

For my two credit cards that I had it will cost me £240, which I really afford. Would I be able to claim this back if this is the only way.


Please help as I want to get all of the money back from the Bank.
Thanks

hi this isnt correct go to https://www.!!!!!!.uk/forum and you will find a letter to send them.

shaun1977

Lovingitifitsabargain wrote:

I am just sending them a request to refund me 60.00 and OH 180.00 but letter has to be sent back to their legal dept (sounds scarey !:eek: ) anyway gonna go for it but was wondering if anyones been successful with them so far - letter going off to HSBC tomorrow for 2,345.00 :eek: :eek: I never realised it was that much until I added it up waiting on a response from Mint and Monument - will keep you posted if I have any luck

Hiya, yep i have won against capital one, not a big one but a win nevertheless, they are no different to anyone else they will pay up, but offer you difference between the charge and £12 first, which you will reject;)
go to https://www.!!!!!!.uk/forum for more info.

Edinburghlass_2

If you sign up to the forums at https://www.consumeractiongroup.co.uk you'll find boards for each main bank and one is called Other Institutions with a sub forum for Capital One

Markluke, have a read of Martin's article which gives a step by step guide on what to do.

Lovingitifitsabargain

shaun1977 wrote:

Hiya, yep i have won against capital one, not a big one but a win nevertheless, they are no different to anyone else they will pay up, but offer you difference between the charge and £12 first, which you will reject;)
go to https://www.!!!!!!.uk/forum for more info.

they are likely to offer me 8.00 back from all the 20.00 charges i.e. 24.00 instead of 60.00 ?
Then I go back and say no I want it all back ?:D

shaun1977

Lovingitifitsabargain wrote:

they are likely to offer me 8.00 back from all the 20.00 charges i.e. 24.00 instead of 60.00 ?
Then I go back and say no I want it all back ?:D

yep thats the way they are likely to do it.

Chadsman

oghenelena wrote:

What shall I do? I have another bank account but it is Intelligence Finance web account and it is useless to me. If I have to put money in my bank not electronically, I cannot do it as they have no branches in which you can do it. I cannot open a bank account as my credit score is very low. HELP!

IIRC you can pay into an Intelligent Finance account at any Halifax branch as they own IF.
Alternatively open a Basic Bank Account. Most (all???) banks offer them- you wont need to be credit checked for that.

aaron.71

Hi all.

I know this may sound like a silly question but when giving the banks 14 days to respond to claim request, does this mean 14 straight days from the day they recieve the letter ( 2 days after posting ) or 14 WORKING DAYS? ( NOT INC SAT OR SUN )

Bit eager to send LBA

Cheers

shaun1977

aaron.71 wrote:

Hi all.

I know this may sound like a silly question but when giving the banks 14 days to respond to claim request, does this mean 14 straight days from the day they recieve the letter ( 2 days after posting ) or 14 WORKING DAYS? ( NOT INC SAT OR SUN )

Bit eager to send LBA

Cheers

hi, its a straight 14 days from the date of the letter, well as long as you post it straight away :rotfl:

aaron.71

Goody goody. Better get LBA in post then.

Thanks Shaun, your a star

aaron.71

hiya.

Little advice needed. just completed the calc spreadsheet for claim - total £4624.17. ( The royal bank of scotland )
Is it true that I could claim back the interest they have taken on my overdraft?

If so, this could take the final figure above 5k.

mmmmmmm.....