DFW Bank Charges Reclaim Thread

bookworm1363

ms_london wrote:

Same here SS, just a standard "You agreed with our terms when you opened the account" letter. Do we just wait for the 14 days to be up & then send next letter? I hope we both get our ££££ back!!

xx

Yep, exactly that. Onwards and upwards, you're that one step closer to your money!

iwanttosave_2

So I take it the first step is to ask his bank for that disclosure records things?

Broken_hearted

bookworm1363 wrote:

You could be waiting a while, Barclays are soon building a reputation for dragging things as far as they can. Halifax so far have folded much much quicker.

Halifax is more complicated for us as its now with a DCA thanks to their unfair charges. I don't know where we stand as for the last 4 months we gave up apying altogether as they wouldn't accept what we could afford. We were paying £20 a month and it was going up by another £70.

domestic_goddess

Does the same thing apply with finance companies. Last year my car finance company charged me for a returned d/d £30. they then tried again three days later and another charge was made they also charged £15 to send a letter letting me know of this.

This happened a couple of times so I hope so!!!

Lydia.42

Thanks guys, below is the letters they were sent on 10th May.
Do i need to write again saying i am disapointed in response/lack of, or just file now? Also does the 8% only come into play when you file? Still confused. Have i done things wrong??
Thanks


Dear Sir/Madam,

ACCOUNT NUMBER:

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law.

I am frankly shocked that you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary.

I calculate that you have taken £XXXXX, in unauthorised over draft fees, and cheque card misuse fees. Please see attached details.

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.

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

Yours faithfully,

domestic_goddess

That letter is the LBA so from there tou just wait the deadline and then put your claim in. You dont need to contact them again as you have given them ample time to reply!!!

Good luck

domestic_goddess

You can also claim interest when you claim....
The calculater is on https://www.consumeractiongroup.co.uk. Its been updated and to me its loads easier to use now..
:rolleyes:

bookworm1363

iwanttosave wrote:

So I take it the first step is to ask his bank for that disclosure records things?

A Subject Access Request under the Data Protection Act, if you want to be precise!

That depends. If you have kept all your statements, you don't need to. If you don't, then yes. Don't forget the £10 statutory fee, the 40 days countdown only starts on receipt of the fee.

bookworm1363

sickofhavingnomoney wrote:

Does the same thing apply with finance companies. Last year my car finance company charged me for a returned d/d £30. they then tried again three days later and another charge was made they also charged £15 to send a letter letting me know of this.

This happened a couple of times so I hope so!!!

Yes.

I have just filed agaisnt an old car credit. Only £50, but it's mine and I want it back!

iwanttosave_2

bookworm1363 wrote:

A Subject Access Request under the Data Protection Act, if you want to be precise!

That depends. If you have kept all your statements, you don't need to. If you don't, then yes. Don't forget the £10 statutory fee, the 40 days countdown only starts on receipt of the fee.

We have kept most but we had a fire a while back and lost a few in that so its best we get them all.

Can they not just refuse payment if they dont want to give them to you? and has anyone took on yorkshire bank?