Claim back any unfair bank charges! Article Discussion Area

mjanet

sponix wrote:

Visited the bank Saturday to discuss bank charges (To no avail).

Was advised (off the record) to send any letters by Special delivery as it was implied they could "accidentally" get lost before reaching the bank..

Never is any good going in to talk . You do not need to send it special delivery as you can get a certificate of posting free of charge from the PO.

mjanet

trikimiki wrote:

would i be able to claim back from the halifax even tho i got out of acc 2 years ago ?

Yes , and its easier as they can't threaten to close your account.

bookworm1363

sponix wrote:

Visited the bank Saturday to discuss bank charges (To no avail).

Was advised (off the record) to send any letters by Special delivery as it was implied they could "accidentally" get lost before reaching the bank..

That's not strictly true.

The "loss" of a letter will not wash in court, a letter is deemed delivered 2 days after sending. As long as you have a dated copy of your letter, you need no further proof.

sponix

Surely it's better to have a signature off someone at the other end proving it was delivered?

Whilst it may not wash in Court the bank would certainly use it as a delaying tactic: "Oh sorry, we didn't receive your last letter" "Ooops! We didn't receive your latest one either!"

sponix

One last question...

In my first letter do I itemise each seperate charge or do I simply say something like "refund all the charges incurred from xx/yy/2006 to date"?

What worries me is that I'll submit my claim then they'll add various other charges not covered by my letter.

bookworm1363

sponix wrote:

Surely it's better to have a signature off someone at the other end proving it was delivered?

Whilst it may not wash in Court the bank would certainly use it as a delaying tactic: "Oh sorry, we didn't receive your last letter" "Ooops! We didn't receive your latest one either!"

Well, strictly speaking, you're right... BUT the thing is, it's your rules now, YOUR deadlines.

They "lost" your 1st letter? Tough. 14 days, bam, next one. They "lose" that too? Tough. 14 days, bam, court claim.

Would THEY wave the late charge because you didn't get your credit card bill? What do you think?

You're in charge now. Keep it that way.

bookworm1363

sponix wrote:

One last question...

In my first letter do I itemise each seperate charge or do I simply say something like "refund all the charges incurred from xx/yy/2006 to date"?

What worries me is that I'll submit my claim then they'll add various other charges not covered by my letter.

A running total will do for now. If they add further charges, you can either add them before filing claim... Or you can get your money back and start with the new lot again...

sponix

Well, I have managed on a few occasions to get credit card charges waived because the bill didn't arrive in time..

I'm just passing on what was implied in the bank...I'd hate to jeopardise any potential court case for the sake of sending two letters by SD..

skippy123_2

i am new to forum could somebody give me some advice on how to access letter requesting amount that i have paid in fee's over last 6 years as i have no idea although i would imagine quite alot. have looked on cag page but cannot work out how to register.thanks

sponix

Am I the only one that'd be relatively happy to pay reasonable and realistic bank charges?

In my case the bank paid a Direct debit that took us just over our overdraft limit. For this they charged us £28 unauthorised OD fee and £30 DD payment fee. They have then charged us £30 for each subsequent DD. The £30s soon add up to one hell of a lot of money!

What really annoys me is that we get statements a month after the event and the cashpoint is out of action around 50% of the time so we are unable to check our balance for weeks at a time!

Surely it's not beyond the wit of man for the bank to send an automated letter when you are reaching your overdraft limit? (But before you exceed it?)

After all, they know exactly what Direct debits are set up on the account, how much they are for, and when they will be leaving.