Report Bank Charges successes and failures

shelim60

annieredhead wrote: »

Received two letters today, one offering me £3006 and one offering £249, for my two accounts: "Having reviewed your financial situation I am happy to make an exceptional offer"
I can hardly believe it and am still shaking! Needless to say I will accept and should have the money in my account next week.
I first applied in September, Grateful thanks to Martin, and Money Saving Expert for making this possible!:j :j :j :j :j

Hi there.

How do you find out how much you owed in the first place?

And also is there any risk they may charge you for their time if you lose the case or battle with them?

[Deleted User]

shelim60 wrote: »

Hi there.

You realise the post you are quoting is from 2009? The Banks have rather changed their attitude since then!

ValleysGirl

I found an old statement for a credit card which I'd paid off in 2004 and noticed that I'd been paying £25 'Accident and Sickness' per month on top of my 'normal' repayment. I contacted MBNA by telephone (I found the dedicated PPI number on their website) and spoke to a very nice chap who asked if I wished to make a claim and then said they would send me a letter in a few days. I got the letter, which told me they were looking into my claim, followed by another letter a couple of weeks later to say that my claim had been upheld and that they would be repaying me £3,589.93! My jaw literally dropped when I read it! The cheque arrived a couple of days later. One phone call, no forms to fill in, one very nice cheque, which covers the cost of my recently-installed bathroom, and all because I hadn't got round to shredding some very old statements for a card I'd forgotten I'd had! Thank you, MBNA!:T

izziebelle

I reclaimed £500 in bank charges for my son, from Nat west.
He had no income and went over his overdraft, with one phone call they cancelled them! I had written out a template letter, and included that he suffers from depression I used it a s a script. we went to a natwest bank and used their phone, as he had no phone! If he hadn't before it would have been enough to make him!
The lady was lovely. I did clear the original overdrawn amount of £100, he now has an account without and overdraft facility. Is still strapped for cash, but was sooo relieved, as it was increasing daily.

70mins

Hi All.Recently i claimed for over 4500 from santander using the hardship route(redundancy,financial difficulty etc) and about a week ago they refunded £150 worth of charges back into my account.i then received a letter saying the usual standard"while we sympathise" etc and an offer to refund this months charges of £175 in order for me to break the cycle.I was wondering if i should give them a call and make them an offer of a figure i would be happy to accept,in view of the fact that i am in arrears of nearly £3000 on my mortgage because of trying to juggle finances.
Does anybody think this would be a wise move?
Or should i accept the (measly) offer and continue to rack up the charges.I have found a job at last,although it is only part time and wouldn't cover bills and charges,or clear my arrears.

Any ideas anyone? Please

dexstroyer_2

Not sure how far I will get but I already have my details from a recent SAR to the Halifax so I have written a letter asking for all my charges plus interest :rotfl:as detailed below.
I believe that these charges contributed to my situation of having to use CCCS and a DMP, total will be for around 10 years, already 5 years in though.
For the sake of a letter and a stamp Im going to give it a try, keep you posted!

Bank Charges Interest Calculations
Charge Value Date Interest Total
25 30/01/1999 26.4 51.4
25 27/02/1999 26.25 51.25
25 31/03/1999 26.07 51.07
25 30/06/1999 25.58 50.58
25 30/10/1999 24.91 49.91
25 31/03/2000 24.07 49.07
25 29/04/2000 23.91 48.91
25 30/06/2000 23.57 48.57
25 31/07/2000 23.4 48.4
50 31/08/2000 46.46 96.46
100 30/09/2000 92.27 192.27
25 30/11/2000 22.73 47.73
28 30/04/2001 24.53 52.53
60 31/10/2002 45.35 105.35
30 30/04/2003 21.49 51.49
30 31/05/2003 21.28 51.28
30 30/08/2003 20.68 50.68
30 04/05/2004 19.05 49.05
39 10/04/2006 18.73 57.73
39 23/10/2006 17.06 56.06
39 23/11/2006 16.79 55.79
39 11/12/2006 16.64 55.64
39 26/12/2006 16.51 55.51
39 28/12/2006 16.49 55.49

Total £842 £640.22 £1482.22

daviest12

Would like to let you know i just recieved £953 back in bank charges form LLoyds tsb asked for £1800 but got to be better than nothing back at all

dexstroyer_2

daviest12 wrote: »

Would like to let you know i just recieved £953 back in bank charges form LLoyds tsb asked for £1800 but got to be better than nothing back at all

Well done :beer: what route did you use to achieve this?

daviest12

dexstroyer wrote: »

well done :beer: What route did you use to achieve this?

hi i used the financial hardship only took two days!!

DarylSt1

Hi everyone

First of all congratulations and well done to everyone who has posted with a success story, I am currently in the middle of a claim but am seeking some advice. Thanks in advance to everyone who replies

My claim is with Yorkshire/Clydesdale bank and for charges totalling£2020. I also calculated and added on the interest, this totalling £185.27.

After reading on these forums about claiming back charges I decided to have a bash at it myself. Downloaded the template letters and sent off the one requesting all statements showing charges on 24/01/2012. I got a reply on 09/02 asking for a cheque for £10 to cover "admin", I obliged and sent off the cheque.

On 07/03 I received all relevant paper work so i sat down and highlighted all the charges and then calculated also the interest using the calculator on this site.

I then sent off, via recorded delivery on 24/03, the highlighted statements as well as the template letter explaining why I believe I should be refunded (hardship, etc)

I've arrived home from work tonight with a letter from the bank. It looks to me to be a standard rejection letter as there are no specific references to my claim apart from the first line reading "I Refer to your letter dated 24/03 and all previous correspondence relating to bank charges..."
They also have kindly included a leaflet on "dealing with debt" and one about contacting the Ombudsman.

I am now wondering what to do next.

Contact the bank again explaining I will now contact the ombudsman?
Not be so informative and go straight to the ombudsman anyway?
Or is this quite simply the end of the road for my claim? I hope not.

Once again any help would be much appreciated, especially anyone who has dealt with Yorkshire/Clydesdale bank specifically.

Cheers, Daryl. :beer: