Claim back any unfair bank charges! Article Discussion Area

shaun1977

HarriettPotter wrote:

This year, for a range of reasons, I have accumulated £210 of charges from Nationwide. Its mainly because its an account used purely for bills and I have money coming in and out all over the place. I have to accept some responsibility as it is due to the money coming in after the other money has gone out that some of my direct debits have been returned.

I was prepared to handle it but yesterday they charged me £90 after 3 missed payments last month. If you look at the account you can see clearly that its a mismatch of dates/payments etc. Its not like the account is permanently empty (not that any of that is relevant I'm sure).

Anyway, I have been to the branch today and they said they do not deal with it at branch level but I should write to their head office in Swindon. I should write in my 'own words' as they look for 'key words' in the letter to decide whether to refund or not.

I was planning to just follow the steps indicated on Martins article and other related websites but I have to say I thought what the branch said was a bit cryptic?!!!

Well thats certainly a new tactic :rotfl: i have never heard so much rubbish. the only thing that will happen if you dont have a template letter is they will be more confident in palming you off with a feable excuse. Utter load of rubbish. the letters myself and other forums have wrote work stick with them.

HarriettPotter

I will do and that was my hunch.. many thanks

aussie_kiss

I phoned my bank yesterday and told them I believed the charges were unlawful. My bank manager phoned me today and told me they have recredited my account. RESULT.

David_Vaulks

I want to pay of a loan (instead of continuing with monthly payments). Bank are asking me to pay settlement fee of circa £160. Would you say it is possible to challenge this fee using the same criteria as fees for overdrawn on a current account as per Martin's well publicised articles.

Thanks

David

shaun1977

David_Vaulks wrote:

I want to pay of a loan (instead of continuing with monthly payments). Bank are asking me to pay settlement fee of circa £160. Would you say it is possible to challenge this fee using the same criteria as fees for overdrawn on a current account as per Martin's well publicised articles.

Thanks

David

Hi i would need more info to help with that

lee_trebilcock

hi shaun i sent off my allocation questionaire but forgot to send a copy to the bank , i have since recieved a solicitors letter asking for a copy will this affect the verdict or is this just another stalling tactic , also on there questionaire thay have asked for a postponement of one month ??? sound right or not ?

shaun1977

lee_trebilcock wrote:

hi shaun i sent off my allocation questionaire but forgot to send a copy to the bank , i have since recieved a solicitors letter asking for a copy will this affect the verdict or is this just another stalling tactic , also on there questionaire thay have asked for a postponement of one month ??? sound right or not ?

Hi, its not down to you to send a copy of the AQ, also i need to know why they are asking for an postponement, you will just object to this.

lee_trebilcock

the letter just asks for a copy of my allocation ?? and on there allocation where it says do you want to postpone this for one month so you can settle out of court they have ticked yes, also that they will have one witness and that they or there witness are not available during the month of october ???

lee_trebilcock

the letter is from the defendants solicitor they are requesting a copy of my allocation .

shaun1977

lee_trebilcock wrote:

the letter just asks for a copy of my allocation ?? and on there allocation where it says do you want to postpone this for one month so you can settle out of court they have ticked yes, also that they will have one witness and that they or there witness are not available during the month of october ???

hi, ok thats fine. they will make you an offer then before the months up, as for a witness this will be stupid attempt to scare you into accepting this offer.