Claim back any unfair bank charges! Article Discussion Area

njc12

Hi - I know that this is probably covered somewhere on this site but can't find it!!!

I have sent my initial letter off to Abbey to ask for the details of all the charges. They have said that they will give me the details of all the ones still on the system free of charge but will charge me £10.00 for the others. I know it's not alot but can they do this?

Thank u

njc12

BooshBaby

Hiya

I took a look at the BankActionGroup forum yesterday and they have a template letter which you can send in when requesting the list of charges:-

Data Protection Act Request -- Letter - List of charges

The letter states, near the end: 'I enclose the statutory maximum £10 fee'.

I guess this means they can request it but I think it is definitely worth paying - speculate to accumulate!

macymoo

Hi I have now made an online claim for my charges to be refunded from Halifax (a closed account) and First Direct (my current account) as they did not want to refund them when I sent a letter requesting them. It has been referred to a District judge does anyone know if this is a good thing??

dchurch24

Can you provide more info regarding the referal?

PS. I'm sure it's not a bad thing - a judge can surely only see these charges as punitive. They are people too.

albus_2

Sorry if this is a bit off topic but I've just received my BT telephone bill and have been charged a £5 late payment fee. Does anyone know if this is a 'legal' charge and if I can reclaim it?

dchurch24

If it's a penalty for a late payment, then you can most likely reclaim it.

jazzys

Is it possible to claim for charges they made for exceeding an overdraft?

Like 20 quid for every day that I was over the limit. Oooops

mark_steps

Arghhhh today is the day in which i send a letter before action. Just away to print it up and will give the postie a chance to put the nail in their coffin hehe

Oh and in the Letter Before Action which i am preparing, do i ask for the interest?? How do i work it out??

simone2697

Hi
Ive just read this thread with great interest.
Can anyone tell me if they have done this with Halifax and how far halifax went before refunding please?
Im not a confrontational person so find it quite daunting but would definately like to claim my money back!

Thank you

Simone

philb120

mark_steps wrote:

Arghhhh today is the day in which i send a letter before action. Just away to print it up and will give the postie a chance to put the nail in their coffin hehe

Oh and in the Letter Before Action which i am preparing, do i ask for the interest?? How do i work it out??

You can only claim the interest when you put in a claim at the small claims court. You could mention this in the letter before action but if they agree to refund the charges before you put in a claim you can not get interest.

Good luck