Claim back any unfair bank charges! Article Discussion Area

meb31

hampshire2 wrote:

I have used the exel spread sheet how do i calculate the interest can some one help please

I went to consumer corner where there is a spreadsheet made for this, and also everyother possible letter you need - its great! (shaun is the man in the know!)

Edinburghlass_2

kez83 wrote:

hi there anyone got any ideas on how to write a letter to barclaycard to ask for the statements that are on microfiche without paying the £3 per statement they are asking for? i need to go back about 2-3 years so you can imagine what the cost would be if i paid it. i have already sent £5 to them to get the few statements they have sent me but i need help on how to get the rest.

Check out this page on PenaltyCharges, the cost should be up to £10 for all the information required, not £3 per statement.

craig1999

Im in the process of claiming back bank charges. I,ve just recieved a questionaire to complete , before it goes to court ! does anyone have any advice ?

craig1999

Has anyone got any info or advice what i need to do next !!! LLoyds TSB want my claim to go to court !!! help :eek:

Edinburghlass_2

Fill in the questionaire and return it within 7 days.

From Martin's article...

However in the rare event it does enter a defence, just do nothing. The next thing that will happen is that you will receive a Court Allocation Questionnaire - fill this in (very simple and very quick) and return it to the court (you must do so within 7 days of receiving it). Pay any additional fees at this point. Send a photocopy of the questionnaire to the bank - it is debatable whether you need to do this or not, but it's better to be safe than sorry over the price of a stamp.

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.

Phoenix79_2

Hi there.

Just a quickie.......

I've never had a dd/cheque bounce or ever been charged for being outside my overdraft (NatWest have always increased it upon request) but I have had a few £25 charges for late payment of credit cards bills. Is this something I could claim back or not?

Thanks

165721

hampshire2 wrote:

I have used the exel spread sheet how do i calculate the interest can some one help please

Remember you don't ask for the interest on the charges (8%) they have taken off you until it goes to court! At the first stage you are just asking for the charges back, plus any interest they have charged you for going overdrawn with the penalty charges.

165721

geoffreystuartlongden wrote:

Hi there,

Just wanted to ask you a question. I have just received a letter from the HSBC saying that they will refund my charges of £450 but without the interest. they say that the interest is in their conditions and that if i decline their offer then they say that if the claim proceeded to court then they believe they would successfully rersist any legal challenge in relation to these fees.

Its only for £72 extra. is it worth going for as they say the £450 is full and final settlement.

Appreciate any help.

It is entrirely up to you. The charges are also in their conditions but they are giving those back to you! I take it this is interest they have taken off you for being overdrawn on their charges.

If it were me I would probably continue, as...

1. They have not complied fully with your request.

2. They did not stick to your deadlines and that is big bank arrogance, thinking that they can ignore your time limits and still get away with it.

3. You can sting them for the 8% interest on the total amount (charge by charge) once it goes to court.

4. It would cost them more to defend this case than they would gain from doing so (it isn't a large amount, like mine) so would be very unlikely (in my opinion) to put in a defence. Therefore you would get your charges, overdraft interest, and 8% back. This is what happened in my case.

Let us know what you decide and good luck!

165721

meb31 wrote:

Last Friday was the 28th day that the Abbey had to respond to the moneyclaim court. They have acknowledged the claim but i don't know what to do now, do i just leave things progressing or do i have to do something else now?????

Thanks in advance

Quick, get on the moneyclaim website and start a judgement!!!!!! The courts are allowing late defences, you should always make sure that you act on the day that the deadline is up!!!!

Once you have started a judgment you are a matter of hours away from winning by default... get on to it RIGHT NOW :j

STMJob

After reading this thread and the related article I thought I would check my Abbey accounts. I have 2 accounts with Abbey, 1 current account into which all my incoming money is paid into, 1 current account in which all my direct debits are paid put of and an e-saver account which I hold jointly with my husband.

I noticed last night that in the past 12 months I have incurred £150 worth of charges which is due to me having an early DD on my 2nd current account in which I had forgotten to transfer the money in time. In all the cases I had noticed within a day of the DD being paid that I hadn't transferred the money and transferred it straight away with through my online banking facility. So my account was overdrawn for a matter of one day and each time I was charged £20 unauthorised overdraft fee and £30 charge for clearing a Direct debit/ Standing order whilst overdrawn.

I know that it is down to my oen stupidity that I have not transferred the funds in time, it's madness really because the money is always sitting in my other account (I know I need to get my head around my direct debtis better, but it's always this early DD that gets me).

My dad was a Bank Manager (who retired over 10 years ago) and worked before automated banking, where someone actually processed cheques and payments at the banks themselves. he told me in those days, before a cheque is bounced or a direct debit returned they would always consider funds that a person had in other accounts. The money is always there in my other account, and I do have a little fund stashed away in my savings account so I'm really unsure if I can claim this money back. Can anyone help?