Please Help

jcr16

ok i am prob being very dim, but i just cannot work out how to claim bank charges back. ok we haven't had any in over 18 months. but between 2001 and 2004 we did.

Please can anyone help my husband and i work out what on earth we have to do. and explain it really simple. i have never worked out how many or how much bank charges have mounted up to. but i'd prob say a couple of grand.

is everyone entitled to ask for it back. or if it was only in a certain time scale.

like i say please help. but please keep it simple.

many thanks.

lightatendoftunnel?

Hi i asked the same question last night. if you go to thread sorry if this question been asked before. There is some good info on there. Good luck i am trying now also

endemoniada_2

Hi,
Yes, you can claim them back for 6 years
Step by step instructions
First of all join https://www.consumeractiongroup.co.uk and you can get copies of all the letters that you need in the templates library.
1. Ask for copies of statements/charges in last 6 years - bank has 40 days to comply. If no reply, use information commission to help
2. Send letter requesting refund of these charges = 8% for interest.
3. If no reply,send LBA - letter before action - saying that if they do not refundwithin 14 days , you will take to court
4. If no refund - claim through court

southernscouser

The best thing to do is signup to this forum and take a look at the 2 links below. They have a step by step guide. Read it all over a few times so most of it makes sense!

Any problems either post on there or here!

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=243

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?f=5

jcr16

ok will look at that now. out of interest how many peeps have been to court ? or do the bank just pay up ?

jcr16

also if u do take the bank to court, does that mean u have to change banks ?

amosworks

lol since winning against mine, they've been nice as pie I still opened a "parachute account" at a different bank though just in case :cool:

jcr16

thats good to hear. how long did it take to get it all sorted out ? and did u have to go to court ?

Zabl

Out of interest Amos - which bank are you with?

My DPA cheque has been cashed by 1 of my banks today, so i eagerley await the arrival of 6 yrs of statements to see how i can get back! woo!

amosworks

It took 3 months against RBS. That was just for current accounts, I'm about to "do" them again for my RBS Credit card

I'm working on 31 cases now :cool: