Claim back any unfair bank charges! Article Discussion Area

Craig_Statham

hhobba wrote:

Hi there. I am a student banking with Natwest. I purchased an item using Direct Debit from PayPal for £4.50 on the 22nd Feb, and the charge was not debited until the 28th Feb. During this time my funds became insufficient for this £4.50, although I did attempt to remedy this by being transferred £25.00 from a friend's account which I thought would only take 1 day. This £25.00 came into my bank on the same day that my £4.50 PayPal was taken out, although apparantely the £25.00 did not count as part of my balance since it has to be at least 1 working day in advance to count. So I was still "insufficient" for the £4.50.

I have been charged £38.00 in total (I think that includes the £4.50) for this.

Since I am in Scotland, can I contest this? Can someone point me to a piece of legal document which I can read to Natwest on the telephone so they are perfectly aware of what I am saying? Even the name of a document I can reference.

Any help is SO much appreciated. Thanks!!!

Hhobba

My advice, if you only have this charge, is to walk into your bank and tell them you think this charge is a disgrace and you want them to cancel it. They'll do it (with lots of huffing and puffing about how you must run your account more efficiently). If you have other charges then just follow the appropriate link on moneysavingexpert.com. Scotland is slightly different in terms of small claims in court so feel free to email me if you need any help.

Cheers
Craig

jo1979_2

I have sent back the allocation form to the courts claiming £3,200 from natwest how long does it normally take from now?

Demus

stacey777 wrote:

hi everyone has anyone heard of anybody caiming in N Ireland I want to make claim agianst Ulster Bank, they are known for being one of the worst banks for overcharging.

Have sent request for statments. So hope i can actually claim or ill be red faced the nest time i go in there. Also havent stopped talking about this for 3 days when i first read off this have given your address to everyone i know.

As far as I know, N.I. operates under UK law so it should be exactly the same with the ulster Banks as it would be with any other, so yeah, claim everything they owe!

Edinburghlass_2

Please check out the CAG forums for any differences claiming in NI. For instance you can go back 6 years in England and Wales but only 5 years in Scotland.

In Scotland you can claim under Small Claims Court for up to £750 but have to go to a Sheriff Court for amounts from £750 to £1,500.

rking2

Please can someone tell me if I should be worried about my mortgage if I make a claim from the same bank? I need to know so I can make my claim.

Thanks!

family_life_2

HELP.

I have recieved an allocation questionaire from the courts with regards of my claim with Lloyds TSB, it states on there that I have to send another cheque for the total of £100-00. Am i right in thinking that this £100-00 applies if I am claiming for over £1500-00. Many thanks,

Edinburghlass_2

The charge is on a sliding scale from £30 to I think £120

165721

n.m.harris wrote:

Hi everyone. I,m new to this and just about to take a few credit card companies to task as they have really hammered me in the past but I am worried. I still owe them more than I am able to afford to pay off should they close my account and demand repayment in full. Does anyone know if they can do this. Thanks everyone.

They shouldnt be able to do it but in some cases they are on the grounds of not adhering to their published standard terms and conditions. I would try to move the debt elsewhere (balance transfer to lower apr card?) before claiming against them. Then you can use the charges back to pay some off!

clarenic

clarenic wrote:

Hi everyone

I asked this the other day but I don't think I explained it too well and it got a bit lost amongst all the other messages.

I've sent the first letter asking for the charges back. The Halifax weren't due to reply until the end of next week but to my complete surprise, they replied two days ago!

I'm claiming on two accounts (both in my name, one held jointly with husband). On the first account we're claiming £689 and the other £130. They've offered £366 and £100.

The precedent letter on CAG reads as if I've already sent the letter before action which I haven't done yet - not reached that stage. Now do I send that letter, removing the parts about dates of letter before action etc? I must have to include some sort of deadline date in there. Do I incorporate the letter before action into this letter, giving a 14 day deadline?

Please would someone in the know advise me on this - I'm not sure what to do now. I'm well aware of 'fine lines' in the legal world and I don't want to mess up! :eek:

Thanks in advance,

Clare

Hi everyone

The quoted message is what I posted the other day. Do you think this letter will be ok?

Thank you for your letters dated 24 October 2006.

I respectfully decline your offer of settlement and request, once again, that you return to me all charges imposed on these accounts, totalling £819

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

I enclose a further copy of the schedule of charges. I require repayment in full of this money. If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus my costs and without further notice.

I trust this clarifies my position.

Thanks guys,

Clare

Edinburghlass_2

Sounds good to me

good luck!