Claim back any unfair bank charges! Article Discussion Area

Edinburghlass_2

sharongrant1805 wrote:

i have sent letter to natwest bank asking for all my statements since i joined them and notified them i would be reclaiming any unfair charges, today i have recieved a letter from them saying they will send the information to me and that any charges made to my account are in accordance with the terms and conditions of our current agreement with me as a result of the activity on my account. Does this mean, that because i have signed an agreement with them, that i have accepted the charges? if so, i don't understand legally how i have the right to reclaim the charges.

Until you receive the information requested spend the time reading the info on the CAG forums and Penaltycharges but I think you'll find that, that is Nat West's standard letter

Edinburghlass_2

mishan wrote:

No, I didn't state that in my letter as it was a letter refusing part payment. I sent it before I realised they'd already put the money into my account without my agreement.

That should be okay as you have refused their offer and they will need to reply to your refusal letter.

sharongrant1805

Edinburghlass wrote:

Until you receive the information requested spend the time reading the info on the CAG forums and Penaltycharges but I think you'll find that, that is Nat West's standard letter

Thanks for you advice, i will use it.

Edinburghlass_2

CodyCalling wrote:

Don't know if this has been covered already but here goes. After reading Martin's article I sent off the request for charges letter to Barclaycard with my £10 cheque (which they haven't cashed). They replied to my letter
along the lines of: "Barclaycard does not provide customers with lists of charges on request. Charges are only set out in statements. We have provided you with copies of statements that we can find since May 2004".

This is OK to a degree as I can look through them and identify what i want to claim. However my account with them stretches way further back than May 2004 and I know for a fact that there are more charges I can claim. However they say that their statements before this date aren't kept on their database and continue blagging something about being stored on microfiche and are not 'readily accessible' within the meaning of the Data Protection Act. Now I thought that all charges are available under the DPA regardles of what format they are stored in or how readily accessible they are.

Can someone confirm this and give me an idea of how to reply to them given that I have already sent a data request letter stating I want a list of charges which they say they don't supply. All I seem to have is a list of statements over the last two years from which I have to infer the charges.

Go back to them and say under the Data Protection Act you require ALL the information asked for covering the 6 years and that it is up to them to provide it.

chrismb_2

22nd september 2006, 3 charges on the same day by the above bank, totalling £105. In one day. Same day found this site, and decided to have a go. Always keep bank statements, so found out they had robbed me for £636 over the last 6 years. Sent the letter asking for it back, plus 8%, coming to £704.14. Got a letter today offering £195, as a 'goodwill gesture'. Undecided as to whether to go forward. Do I have to send another letter (I put in the original letter that I reserve the right to take legal action without further notice), or do I just go straight to the moneyclaim site? Or do I just accept the offer and be done with it? Any advice welcome.

whoareya

Ok I've gone through the stages as suggested, it's been fun if not anything else.

Lloyds has declined and I am debating whether I can afford the £120 to take them to court - it's a lot of money to lose


Barclays have been a lot better - they've offered £500 after taking two months to answer me (they advised they were going to take their time which was nice)

I am seriously considering this I asked £1000 from them, including interest. Actual money total (not inc interest) is about £800.

What do you think ????

To Lloyds - do I continue, can I really get a result. If so what do I write in the online court section, I will need help writing the text.

To Barclays - Accept it or push for more??

any advices would be fantastic

Edinburghlass_2

Both of you, keep going you'll get the £120 back don't accept a derisory amount either of you

Check out the CAG forums for any templates.

jools73

After my success of re-claiming my bank charges, I decided to reclaim my credit card charges. I phoned Capital One to ask for my statements. All good so far. This morning they arrived. Checked through and noticed some suspect transactions, one of the statements they sent me was for someone elses card. It's got their account number, name and address. It's not as if our name or account number are similar. What should I do?

clarenic

165721 wrote:

Have a look about through the last 10 posts or so exactly the same question as this has been asked, about part settlements, and a te mplate letter has been posted.

Thanks. The template letter looks as though its happening after I've sent a letter before action, but I haven't - I've only just sent the first letter asking for money. Do I just chop out the bit about the letter before action? I feel I should put some sort of deadline in there though - should I combine this with the letter before action?

Sorry, a bit confused!

Thanks in advance,

Clare

chrismb_2

chrismb wrote:

22nd september 2006, 3 charges on the same day by the above bank, totalling £105. In one day. Same day found this site, and decided to have a go. Always keep bank statements, so found out they had robbed me for £636 over the last 6 years. Sent the letter asking for it back, plus 8%, coming to £704.14. Got a letter today offering £195, as a 'goodwill gesture'. Undecided as to whether to go forward. Do I have to send another letter (I put in the original letter that I reserve the right to take legal action without further notice), or do I just go straight to the moneyclaim site? Or do I just accept the offer and be done with it? Any advice welcome.

Thought I'd have a look at my credit card statements,(I keep them as well) and what do you know, £400 in late and overlimit charges. I'm having that back as well. Am phoning halifax visa tomorrow about clearing my balance, so I might try to cut a deal. I'll let you know.