Claim back any unfair bank charges! Article Discussion Area

BettyB_3

Edinburghlass wrote:

You need to wait to see if they respond within the four weeks that they suggest it may take, if they don't respond then go ahead with the next step.

I am afraid I must disagree with you. You absolutely must not wait until the bank is good and ready. If you write threatening legal action if you do not get the desired result within 14 days (your specified deadline) then you must do what you said you would and commence proceedings. If we make empty threats, they will continue to take these liberties.

mthompson26x

hi
wondering if any one could help me, i have sent letter of asking for my statements. was just wondering if i can claim back charges that my bank charge me every quarter, such as using internet banking, atm machines, interest and so on. they have charged me these quarterly charges for years now and a lot of the time they have taken it out of my account and left me overdrawn then charged me referel charges
would be greatful for any info.
cheers my bank is first trust bank northern ireland has anyone got any money back from this bank
cheers

shaun1977

mthompson26x wrote:

hi
wondering if any one could help me, i have sent letter of asking for my statements. was just wondering if i can claim back charges that my bank charge me every quarter, such as using internet banking, atm machines, interest and so on. they have charged me these quarterly charges for years now and a lot of the time they have taken it out of my account and left me overdrawn then charged me referel charges
would be greatful for any info.
cheers my bank is first trust bank northern ireland has anyone got any money back from this bank
cheers

Hi a member on my forum recently successfully reclaimed all these charges with first trust they are notorious to taking it to the edge and have even been in court twice. but we managed to get them to settle outside court the same day.:rolleyes:

165721

mishan wrote:

Can anyone tell me what steps I should take next. I sent off my letter giving them 14 days to reply or I would be taking court action. They replied within the 14 days with a standard "sorry you're not happy we are looking into it" letter and have said they'll reply within 4 weeks. What do I do now? Do I wait to hear from them again or start court action.

I agree with shaun1977 and bettyb. We are clearly advised that it is to our timetable that the bank must stick, not the other way round. Otherwise that makes a mockery of giving a time limit in the first place. You should have stated "if you do not comply fully within 14 days court action will be taken" as laid out in the CAG template. If this is the case, you have not stated that they must REPLY but COMPLY within 14 days. They have not, so start a claim.

165721

flappers wrote:

Just received a letter from HSBC offering me £1050.00 in final settlement, great, but I received another letter at the same time stating I'd gone overdrawn and was being charged £50, Arghh. Generally speaking very happy!!!

Is that the amount you requested?

Katuska

Hi All,

This is my very first time here, but the responses are so useful and nice I decided to ask my own question:

I've been with Lloyds TSB for almost 6 years and been punished with their charges very often. I am about to send out my first letter asking for the statement on charges etc.

However, I can access my statements online back to 2004 and I found that there was quite a few 'Returned Direct Debit' charge (some of them around £120). Can I claim these back too?
Also Lloyds TSB charge £7/month for account maintainence which I find a bit steep as I don't even receive paper statements and have no overdraft facility. Can I claim these?

I am trying to claim the penalty charges on my Credit Card, too (Lloyds TSB again).

Thank you very much for your time!:wave:

shaun1977

Katuska wrote:

Hi All,

This is my very first time here, but the responses are so useful and nice I decided to ask my own question:

I've been with Lloyds TSB for almost 6 years and been punished with their charges very often. I am about to send out my first letter asking for the statement on charges etc.

However, I can access my statements online back to 2004 and I found that there was quite a few 'Returned Direct Debit' charge (some of them around £120). Can I claim these back too?
Also Lloyds TSB charge £7/month for account maintainence which I find a bit steep as I don't even receive paper statements and have no overdraft facility. Can I claim these?

I am trying to claim the penalty charges on my Credit Card, too (Lloyds TSB again).

Thank you very much for your time!:wave:

hi yes you can reclaim 'Returned Direct Debit' and yes to the account maintainence charges as well.;)

flappers

165721 wrote:

Is that the amount you requested?

£1050.00 was charges, I also had about £200.00 which I asked for in interest but that was for living in my overdraft. They said they would not pay the interest but would refund the charges. All of this was actioned from one letter. On the day I sent them a follow up letter I received the settlement letter so I had to write to them again asking them to ignore my second letter.

165721

flappers wrote:

£1050.00 was charges, I also had about £200.00 which I asked for in interest but that was for living in my overdraft. They said they would not pay the interest but would refund the charges. All of this was actioned from one letter. On the day I sent them a follow up letter I received the settlement letter so I had to write to them again asking them to ignore my second letter.

If you are happy with the amount they have offered, then I would accept it, at least then you have that. Then try again for the charges since they made the offer, and remind them that you will do the same for any future charges. In some cases I have heard of banks stop applying penalty charges to the accounts of some people who have taken it the distance with old charges.

Any other ideas out there?

165721

shaun1977 wrote:

hi yes you can reclaim 'Returned Direct Debit' and yes to the account maintainence charges as well.;)

You can claim back maintenance charges? I thought if you have signed up to bank account which charges (i.e. HSBC Premier Current Account) despite being a rip off, that is what you have bought. Am I wrong? In that case why doesnt everyone sign up to accounts that charge and then claim them back