Claim back any unfair bank charges! Article Discussion Area

jazzys

Do I just make this fee payable to the bank?

Jazzys

whoareya

Is there a way of finding out the banks head office address. I am now about to file my claim online, need the defendants HO address. Felt sure I saw a link somewhere here back cant find it.

Jazzys - Yes. ie. Barclays Bank PLC.
If it's wrong (which it won't be) they will just return it and request the correct payee.
I actually found Barclays didn't charge for mine

whoareya

whoareya wrote:

Is there a way of finding out the banks head office address. I am now about to file my claim online, need the defendants HO address. Felt sure I saw a link somewhere here back cant find it.

Jazzys - Yes. ie. Barclays Bank PLC.
If it's wrong (which it won't be) they will just return it and request the correct payee.
I actually found Barclays didn't charge for mine

Ok found it.

http://www.esd.informationcommission...esd/search.asp

on https://www.consumeractiongroup.co.uk

whoareya

Oooooh scary.... Just submitted my claim for Lloyds TSB - Total of £3k.

Do I need to anything now or just sit back and wait?

whoareya

Stormybay wrote:

Grrrr............
I'm trying to claim back bank charges for my daughter but can't seem to log into the CAG after registration....grrrrrrrrrr keep getting locked out, I've been trying for 4 days now, and ideas?
Thanks
Stormy

Either contact the administrators or reregister with another email address.

I've just used it fine

MintyMcFresh

I, like many in my age group (early 20's), was rather frivolous during my time in higher education. I had and still have a big pile of debt, during University and traveling I accrued dozens of £25 charges from my bank. At the time I thought it was a legal slap on the wrist, but having read this article I am wondering whether making a formalized complaint would be worth it.

My big issue is that I already have a poor credit rating and I've just started my first post-university full-time role, so I don't really have a financially secure platform from which to start proceedings. Will challenging banks ultimately be more hassle and prove far more costly in the future, or is it as simple as the article suggests? I am belligerent by nature and hate nothing more than my bank, so I would love to reclaim my years of charges, but I don't particularly want to get caught up in a major legal tangle or have to take days of work to attend court hearings.

If anyone out there has had similar misgivings but went for it anyway please let me know. I'm prepared to do the leg work but I just don't want to get stung with problems in the future, such as credit refusals and the like. What are the risks? And is it worth taking them for £500 to £1000? Anyway information or advice please let me know.

MintyMcFresh

I, like many in my age group (early 20's), was rather frivolous during my time in higher education. I had and still have a big pile of debt, during University and traveling I accrued dozens of £25 charges from my bank. At the time I thought it was a legal slap on the wrist, but having read this article I am wondering whether making a formalized complaint would be worth it.

My big issue is that I have a poor credit rating and I've just started my first post-university full-time role. Will challenging banks ultimately be more hassle and prove far more costly in the future, or is it as simple as the article suggests? I am belligerent by nature and hate nothing more than my bank, so I would love to reclaim my years of charges, but I don't particularly want to get caught up in a major legal tangle or have to take days of work to attend court hearings.

If anyone out there has had similar misgivings but went for it anyway please let me know. I'm prepared to do the leg work but I just don't want to get stung with problems in the future, such as credit refusals and the like. What are the risks? And is it worth taking them for £500 to £1000? Anyway information or advice please let me know.

lee_trebilcock

Hi there everyone was just after some advice i have gathered my court bundle together as my hearing is on the 28th of november, i have to have the paperwork to the relevant parties by the 14th of november the only thing i havent got is all my statements, but i do have all the charges broken down from using my internet banking , is this satisfactory or do i need the actual statements ? Also should i send my bundle in earlier or wait until the last minute ?

JDAdams

Well, I was owed money by no less than 6 banks/card companies - here's how I've done so far:

HMV card (Style Financial) - £15 cheque on first letter

Burton (GE Capital) - £20 refunded to card

Barclays - owed £450, they offered £215, have just applied to the court via Moneyclaim for £537.40 (inc. 8% interest)

Barclaycard - owed £295, they offered £103, have just applied to the court via Moneyclaim for £356.43 (inc. 8% interest)

Citibank - owed £170, they didn't reply to Letter before Action, have just applied to the court via Moneyclaim for £209.74 (inc. 8% interest)

Virgin (MBNA) - owed £137, they offered £80, have just applied to the court via Moneyclaim for £149.93 (inc. 8% interest)

165721

MintyMcFresh wrote:

If anyone out there has had similar misgivings but went for it anyway please let me know. I'm prepared to do the leg work but I just don't want to get stung with problems in the future, such as credit refusals and the like. What are the risks? And is it worth taking them for £500 to £1000? Anyway information or advice please let me know.

They can't do anything about your credit file with these type of things as you arent owing them any money. Banks can't just put notes on saying difficult customer etc, that is for them to know only! The risks are bascially 1. they close your account and ask for all monies you may owe them back, i.e. overdraft (may happen) and 2. they defend s court case and you lose, in the process losing your court fees (a few hundred maybe, and very very unlikely). I had misgivings but it was so smooth and empowering I;m glad I did, got everything back, and now planning the next adventure!