Claim back any unfair bank charges! Article Discussion Area

gtonge

Hi message to everyone umming and ahrring whether to bother going through them mountains of statements! do it! - I thought my charges added up to about £200 but infact with the 8% interest it adds up to over a thousand! I have sent my second letter (thanks shaun1977 for your help) and they have responded with a letter saying they will come back to me in the next 10 days. If I am honest I dont hold out much hope for a full refund without taking it to court so any positive feedback reference the NORWICH & PETERBOROUGH would be great - I have looked at the consumeractiongroup forum and it looks like at the most their standard procedure is to give 50% or less - hopefully some people have had some uck with the full refund????

dchurch24

Superstar1 wrote:

:j :j :j :j Click on <REMOVED LINK FROM QUOTE - MSE FORUM TEAM 2> theres a some help on there also inc. letters etc on how to to help you claim! :money: :j :j :j :j

Where the hell did that one come from. They've just nicked the letter templates and wording from the CAG site.

What's the point of that?

I can feel a copyright suit coming on....

gtonge

HELP!! Hi I have been looking at so many different websites and forums I am totally confused. I have sent the second preliminary approach letter from the forum - what concerns me is the reference to charges and I quote from the letter
What I require...
I calculate that you have taken £……..plus £………. which you have charged me in overdraft interest for the sum which you have taken. Total £…….. I enclose a schedule of the charges which I am claiming with this letter"[/I I have enclosed the shecdule from the basic excel spreadsheet which details the offence, amount, date incurred, days since offence and interest 8%APR - its this bit that confuses me as I have entered into the letter this figure as the figure for overdraft interest charged - is this correct as I am now thinking its not and have totally messed things up and am not likely to receive any sort of refund!

lee_trebilcock

Hey shaun 1977 i recieved my court date on saturday morning and now im starting to panic :eek: not much but maybe a little , its due to be heard on the 28th of november which i thought was pretty quick . I could really do with some help on sorting out what to send to the court and other party regarding my case, i really dont know where to begin having never sued anyone before, ive got untill the 14th of november to get my case work in by, please help !!:o

Edinburghlass_2

From Martin's article...

The court will now set a date (if the bank hasn't already given your money back by this point - and most will have done). Some (actually only one has ever got this far) might actually attempt to win in court - they may claim that the charges are for an extra service and therefore not a penalty, and thus legally enforceable. If this happens, come to the forum - we have this angle covered, it's slightly more complicated but worth it in the long run.


For you to be 'safe' from paying the banks legal costs should it get this far and you lose (extremely unlikely that they would win - remember only one bank has ever taken this to court and there is a lot of evidence that has been gathered since proving these charges as punitive in nature now), don’t claim for more than £5,000 - that way it would be heard in the Small Claim Track, where no-one is eligible for the legal costs of the other.

Also, it pays to open another account somewhere else in case they turn nasty and close your accounts and/or demand overdrafts be paid pack immediately - some have been known to do this on occasion - although most don't. If you have the choice, stay with the same bank - next time they charge you for going 8 pence over your limit, they know that your threat is real.

Above all, stand your ground - this money is legally yours. Good luck.

http://www.consumeractiongroup.co.uk/

lucyjune

Guys i need help,

In the past year the cooperative bank have taken £690 in charges from my account, i sent the template letter i got from this forum to them on 28th september. I have recently recieved a letter 7th october saying they recieved my letter and are treating it as a matter of urgency and goes on to say they will contact me in the next week by letter or email. do i just accept this or is there something else i should do? I am a student and the money they have taken out of my account is coming out of my student loan i just dont have enough money for me to be patient with this

help pls

a stress student

Edinburghlass_2

Replied to your post here...

http://forums.moneysavingexpert.com/showpost.html?p=3207800&postcount=295

lee_trebilcock

Thats all very well edin but it does not help me prepare for my court date im not as clued up with all this court stuff as you weathered pros , any help would be greatly recieved .

jonnyboy82

hi there im new here, i filed a claim against lloyds on moneyclaim ,they acknowlegded but there 28 days is up today!!!,i rang up moneyclaim online and they said they have until midnight tonight to enter a defence,then i can claim win by judgement,any one had this before? and how do you do it and will i get my cash? 1600 pounds!!!!!! thanks joonyboy

lee_trebilcock

ive recently downloaded the basic court bundle and it seems a little slimline anyone know of any other great bits of info or legislation i could use to bump my baby up a bit ? thanks