Claim back any unfair bank charges! Article Discussion Area

bookworm1363

sassi wrote:

1ST LETTERS

what should i put in my 1st letter to find out about what charges over x amount of years?
couldn't find template on consumer action for this 1st one.

also PLEASE can someone let me know what addresses to use for
halifax current acc (now closed because they made me so overlimit with charges and i could not pay) i can still claim? was less than 5 months ago
also

halifax visa
capital one
barclaycard

The template for a Subject Access Request under the Data Protection Act is in the Library at CAG, along with the others.

The addresses are also at CAG in each relevant forum. For bank accounts, your branch address will do (even if closed account).

bookworm1363

bananakinz wrote:

Hi first posting here
Great tips

I've been reading about claiming bank charges back, and understand you can do the same with credit cards and student loans. Does the same apply for mortgage charges ie for the dd being returned unpaid?

Yes.

Just be warned that although in theory, the bank can not call in your mortgage without good reasons (eg serious arrears, etc), there is always the chance they'll try pushing even harder to get you to drop your ridiculous claim in reclaiming your own money they took unlawfully from you, simply because they seem to believe they are above the law of this land.

bookworm1363

Dave_L wrote:

Cheque not been cashed yet by for my DPA by Alex ???,
Can this be a new defence tatic ignore it.
:

Won't work. Letter is deemed received 2 days after being sent. As you have proof of delivery, the clock started ticking on that day.

At 30 days or so, if still nothing, give them call, and remind them of the deadline, I find it sharpens their minds beautifully.

bookworm1363

jaygrunt wrote:

Hello,

Just thought I would say WOO-HOO!!!! :T

Halifax have offered me a quarter of what they owe me (as a goodwill gesture etc..)
Obviously they can kiss my deriere but can anyone tell me roughly what I say to them in the next letter?

Many thanks

P.S.
Aint the world a better place when the sun is shining and some of your debt is being reduced??

Which stage are you at? Prelim, LBA?

If prelim, then send 2nd letter edited to say no thks to partial offer, and you're giving them another 14 days to pay up in full.
If LBA, say no thanks and remind them that only FULL refund before X date will stop you from filing claim, at which point it will cost them 8% APR and court fees.

bookworm1363

banky wrote:

I myself work for a large high street bank and I happen to know that there are many procedures in place for these claim requests.

I myself am a moderator on the Consumer Action Group and I happen to know that there are a lot more claims going than you can imagine from your work place. I also happen to know that as of last week, over 1 million pounds of unlawful charges have now been refunded.

In my opinion if you have been charged on more than one occasion you know what will happen if the situation occurs again. I would simply advise that you stick to the rules (like the vast majority of customers do) and the bank will stick to their rules.

In my opinion, when your employer starts obeying English Law, and sticking to the proper rules, not the ones they've made up as they went along, the whole movement will collapse and we can all go home. I won't hold my breath on that one.
In my opinion, simply because they pay your wages shouldn't mean that you have to follow the party line outside the office.

It has to be one blanket rule to keep it fair.

Never truer words were spoken: And the blanket rule is called English Law. It works really rather well. So why your masters decided it didn't apply to them, I shall never quite know... Assuming that we're going to look beyond the 4.7 billion per year they make out of flouting the law, that is.

bookworm1363

rich129 wrote:

I recently sent a letter to my bank based on the template in the consumer action forum to try and reclaim the charges they issued. I received a letter back offering me £50 as a gesture of goodwill. The post recomends rejecting this (as does Martin Lewis who directed me to the post) however i am not sure how to do this and how i should reject it. This probably sounds like a daft question but its just that the first letter i sent was legally sound so i dont want to go sending a letter rejecting the offer and get my self into a situation where i get nothing.

Any help would be greatly appreciated.

Why would you get nothing? Stop thinking like a victim. You are going after YOUR money, and no less than a 100% refund will do.

That's why we have templates and a step-by-step on CAG. If you haven't read it yet, I suggest you do before you proceed.

Keith

Bookworm, what are your thoughts on this post?

jifjaf wrote:

Before district judge ******* sitting at Gloucester county court

Upon the courts own motion. The court has made this order of its own initiative without a hearing. If you object to the order, you must make an application to have it set aside or stayed within 7 days of receiving it
IT IS ORDERED THAT
The hearing on the 22nd August 2006 be vacated and the allocation to small claims track cancelled
The action be stayed until further order on the basis that there is likely to be a test case before a Higher
Court before the end of the year the result is likely to reduce the need and/or amount of litigation in these types of cases
Liberty to apply to remove stay
....

Do these mean that I have now lost me court fee as well?

macas_2

Do these steps work in Northern Ireland? I bank with a UK bank and have had the same account when I lived in England, Scotland and N.Ireland within the past six years. I think I have quite a few charges that I should be reclaiming
ash

waterlilyann

SSoooooooo confused!! What charges can I claim back from a Natwest O/D? I've gone over my limit a couple of times but can I also claim back interest? Same with Natwest CC - is it the late payment fee I can claim or the interest? Sorry for being stupid but it just seems so confusing! Also, are Natwest likely to close my account? I'd be stuck if they did. I've had a quick scan through the previous posts but though easier to ask myself!

bookworm1363

Keith wrote:

Bookworm, what are your thoughts on this post?

Jifjaf's case is being dealt with on Consumer Action Group, and I hope he either will himself tell you or let me tell you how it is going very soon. Can't say more than that right now.;)