Help with bank charges / refund

AP1972

:eek: Hi all,i'm confused now,i received a letter from the bank saying they're not paying out as there is no legal basis on which the amount of charges can be challenged,and the outcome of legal proceedings confirm this,and that they are not upholing my complaint or repaying charges,also to withdraw any offer already made,
What do i do now please :mad:

natweststaffmember

which bank? All banks are currently sending out decline letters to all complaints.

Premier_2

Have you had a read of the reclaiming guide on this site yet? Lots of good advice such as:

My case is on hold with the banks, what is going to happen?
A. They have eight weeks to deal with it and it's likely they'll be swamped. When your case is dealt with, it's likely to be thrown out if your argument was based on the premise of the OFT's original case, that the fees were disproportionate.

Yet there is nothing stopping you complaining a second time based on the potential new legal arguments and you can always complain to the Ombudsman if you don't like your bank's response, and this is especially worth doing if you fit any of the Ombudsman's special criteria (see below).


What if my case is on hold with the Ombudsman?
A. There are 15,000 cases on hold with the Ombudsman, and it has not yet made a decision on what will happen. However, it has indicated it is likely to consider NEW and OLD claims under the following circumstances, though there is no guarantee your claim will be successful...

...

How likely is it I will get my money back?
A. Much less likely than prior to the Supreme Court result, but not impossible. The strongest hope is for those who fulfill the Ombudsman's criteria above... still, the best thing to do is plan for getting nothing, but cross your fingers.

We believe there is a strong legal case under the new arguments yet it is complex and it takes time for these things to play through. For money management's sake, its very important to assume you won't get a payout – though we hope there is still a chance.

http://www.moneysavingexpert.com/reclaim/bank-charges

natweststaffmember

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If you are the type of poster who assumes you've won some kind of argument with me because I've not responded to a post, chances are that you've simply already been placed on my ignore list. "

Have I made it to the top 10 yet

AP1972

Sorry,it was with the yorkshire bank,
thanks for your responce

natweststaffmember

AP1972 wrote: »

Sorry,it was with the yorkshire bank,
thanks for your responce

Did you go as far as the court process?