DFW Bank Charges Reclaim Thread

moxie_2

Well done! It is a scary process, but there's plenty of support at the Bank Action Group. If you can see it through to the end, it's well worth it!

PONDSAVER_2

Well done frugal fox - i have just signed my acceptance of the captial one offer thay have offered all my claim (not the interest) and only after sending the prelim letter!!

dfw_big_al

Hi
Could you tell me is the DPA letter you have a standard tamplate and if so wher will i find it

Cheers

big al

PONDSAVER_2

go over to the consumer action group website https://www.consumeractiongroup.co.uk you then need to register and then you go to forums bank templates library and you have everythingthere you need - good luck :beer:

deviousdame

Hi Guys, I'm new here and just wanted to say what a cool site :T

I've stumbled accross this forum whilst looking into reclaiming my bank charges and so far I have...

a) Requested my statements
b) calculated that the halifax have taken a huge £2111 pounds from me in charges in the last six years
c) used this spreadsheet link http://www.consumeractiongroup.co.uk...read.php?t=182
to calculate my interest owed

and now I have the following question before I send my letter...

On my bank statements my charges are all displayed as "Charges as notified", therefore is it acceptable for me to use this on my spreadsheet as the description, or do I somehow need to find out what each individual charge was for? and if so how can I do this?

I'm really excited about potentially reclaiming some of this money so any help you can give me is appreciated

Many Thanks
Damian

shayshay

Strangely excited but have sent my two letters off to Nationwide and Abbey for my statements and my other halfs Nationwide as well. Kinda weird waiting to hear back from them knowing that their is a 99.9% chance that we will see that money back again which as an average estimate over the three accounts for both of us is about £2.5k, so with a £13k debt & 3 kids would make a large dent and some breathing space as well.

sugaJen

Finally talked my mum into doing it, she's wrote to Halifax requesting the past 6 years statements, she got a reply this morning saying they are on their way (or summat to that effect!)

Also she wrote to Capital One, and received a letter also this morning with all the charges listed, a staggering £1330, if she gets that back it will clear her debt with them and leave alot left over!!

Should she write and ask nicely for it back or just send the letter that starts with without predjudice (sp) (the one that gives examples of other cases) ?

Hmmm If/when she gets it back wonder if ill get a cut "MUUUUUUUUM........"
:rotfl:

southernscouser

deviousdame wrote:

Hi Guys, I'm new here and just wanted to say what a cool site :T

I've stumbled accross this forum whilst looking into reclaiming my bank charges and so far I have...

a) Requested my statements
b) calculated that the halifax have taken a huge £2111 pounds from me in charges in the last six years
c) used this spreadsheet link http://www.consumeractiongroup.co.uk...read.php?t=182
to calculate my interest owed

and now I have the following question before I send my letter...

On my bank statements my charges are all displayed as "Charges as notified", therefore is it acceptable for me to use this on my spreadsheet as the description, or do I somehow need to find out what each individual charge was for? and if so how can I do this?

I'm really excited about potentially reclaiming some of this money so any help you can give me is appreciated

Many Thanks
Damian

When I did mine mate I didn't include the spreadsheet. I only used that to work out the interest that you would get if you proceed to court action.

I take it you are at the early stages and are sending your "Request For Refund Of Charges" letter? If so you don't need to worry about the spreadsheet just yet!

deviousdame

southernscouser wrote:

When I did mine mate I didn't include the spreadsheet. I only used that to work out the interest that you would get if you proceed to court action.

I take it you are at the early stages and are sending your "Request For Refund Of Charges" letter? If so you don't need to worry about the spreadsheet just yet!

hey, thanks for your advice..

yes I am at the point when I am about to send my first letter asking for refund, but I thought I read somewhere on this thread that you should attach your spreadsheet with the letter to show all the charges by date??


Thanks, Damian

southernscouser

deviousdame wrote:

hey, thanks for your advice..

yes I am at the point when I am about to send my first letter asking for refund, but I thought I read somewhere on this thread that you should attach your spreadsheet with the letter to show all the charges by date??


Thanks, Damian

Mmmm. :think: I didn't personally! Not sure if thats the correct procedure or not!

I hope not coz I'm waiting for my bank to submit a defence to the court! :eek: