Claim back any unfair bank charges! Article Discussion Area

MissG_2

Sorry forgot to mention, the above request was for a copy of someones DPA letter (not 1st claim letter) if anyone can help.

Regards

MissG

lyttlewonder

can my bank close my acount on me if i do take them for back money? i have a current (with cheque and debit card ) account? and i relay cant afford to lose it as i get all my moneys paid into it.
thanks for reading this

jediblob

Re Business Accounts
I business Bank with A&L who have a unique system - they charge you £32 the day before you go overdrawn - i.e. if you have insufficient funds the night before to clear the following days payments. I disputed this and was pretty much told to get stuffed. After racking up over £400 in charges in this manner, I wrote, threatening legal action. No word for 8 weeks, so I filed the claim last week.
Today I got over £500 credited to my account with no admission of liability. (A&L have also indicated that they wish to contest the legal action...Doh!)

So yes, all business users out there, go get 'em.

I guess I'll be asked to close my account shortly, but who cares, the service is poor anyway, and those 0870 numbers.

jediblob

lilac1109 wrote:

Can anyone tell me if I can reclaim bank charges on a business account? Do the same rules apply?

Thanks

See response a few posts down. The answer is "YES":

jediblob

Babe28 wrote:

Can someone help me please? Am writing my 1st letter to claim my charges back, do I send the spreedsheet off with the 1st letter? Thank you.

Don't send the spreadsheet. Just an indication of the sums involved and your determination to get them back. I didn't worry about adding interest to my claim as 8% is not significant in most cases.
Keep the spreadsheet for the court, although you'll never need it.

westable

This seems to be the most active forum, i've been in another one on this website which is getting much help from the users and some of the questions i am not equipped to answer, the credit repair forum.

Thank you.

westable

https://www.saynoto0870.com to find a cheaper number.

westable

https://www.saynoto0870.com to find a cheaper number.

Debt_Girl_2

lyttlewonder wrote:

can my bank close my acount on me if i do take them for back money? i have a current (with cheque and debit card ) account? and i relay cant afford to lose it as i get all my moneys paid into it.
thanks for reading this

Yes they can close your account, I think they have to give you 30 days notice before closing it. You should look into opening an account with another bank asap just incase they do. I've already opened another account just incase this happens to me.

bookworm1363

daibach wrote:

My Wife and I went travelling for 15 months, and when we returned we found that Barclays bank had charged us every month we were away because the account was £100.00 overdrawn, we racked up charges of £900.00

Do you think we will be able to claim these back as this was 2 years ago.

I would be grateful of any steps we should take.

Thanks Dai

Yes, you can.

Click on my signature link, register with us, we have step-by-step, templates and 25000 people (and growing daily!) going through the same procedure.