Bank Charges Reclaiming Guide discussion

Premier_2

tatiana wrote: »

The letter was from the bank. So do I write to them or not?

As you have started a court claim, I would not respond to the letter in this particular instance.

tatiana

Do I just sit and wait without contacting anyone? If the bank closes my file as resolved, will I have any comeback?

Premier_2

tatiana wrote: »

Do I just sit and wait without contacting anyone? If the bank closes my file as resolved, will I have any comeback?

Your claim is mow with the court, not the bank.

The bank can do what they want with their files; it won't affect the court claim.

With your current court claim stayed (and assuming you are not approaching any deadline the court advises), I would suggest you wait at least until Martin issues his updated guide on pursuing claims through court before contacting the court.

sarahjane30

I have received a letter back from my bank Lloyds to say my claim is over and they will not be paying me the money I have asked for.
What would be the next step for me.

lufc47

hi all I had a letter from yorkshire bank stating they won't be paying out as a result of the court case . I lost my job 7 months ago so am really desperate now. Should I look at the new reclaiming letters and try again . any help would be greatly appreciated

Premier_2

sarahjane30 wrote: »

I have received a letter back from my bank Lloyds to say my claim is over and they will not be paying me the money I have asked for.
What would be the next step for me.

lufc47 wrote: »

hi all I had a letter from yorkshire bank stating they won't be paying out as a result of the court case . I lost my job 7 months ago so am really desperate now. Should I look at the new reclaiming letters and try again . any help would be greatly appreciated

Have you read the article linked to in the OP?

Any particular part you have trouble with understanding and/or need more explanation of?

josiehowlett

Ladylost
Help any advice rbos owe us £2,300 have been trying to claim charges for months and we are in hardship but they are dragging there feet no refund yet , also barclays owed uc £ 2,250 they gave us a goodwill jesture of £800.00 , we are now struggling to survive any help or advice would be appreciated

markdsmith_2

Please help.

Last year I was claiming against Nationwide for bank charges. These totalled £3,175 with interest. Nationwide wrote back stating that because of the court case they wouldn't be paying me out.

I therefore wrote back stating that I was claiming under hardship as I was struggling to pay the debts I had and the recurring charges were making things worse. In fact, the charges always seemed to come out just before my DDs were due, so I ended up paying more charges as these took me over the limit again. If the charges hadn't have been imposed, then the DDs would have gone through with no problems at all.

Again they wrote back stating that they wouldn't pay out as they believed my income was sufficient to cover my payments and would leave me £400 per month to feed and clothe myself, my wife and my three teenagers (do they have kids?). This contradicted my statement that showed if I paid the full amount on my debts I would in fact have less than £100 a month for this. At this point I opened another account just in case of them closing mine due to the complaints.

I transferred all my DDs to the new account and have not suffered since. When the account was transferred, I had an overdraft with Nationwide which I could not afford to pay off all in one go. I therefore wrote to them stating that as they would not repay my bank charges, that I would be unable to settle the overdraft facility in full and requested they offer me a solution to the problem upon which we could both agree. I never heard anything from them until this week when I received a demand from a debt collection agency for the whole amount of the overdraft (which was about £1500 but is now over £1800!!).

I have written back to the Nationwide reiterating my hardship case stating that I can in no way pay back that amount in one go so I am again reclaiming the charges. This is after the 8 week period from their last letter stating they would close the file if I did not respond, albeit I did send the letter about not being able to pay the OD if they didn't pay out.

I suspect I will once again get the "no we will not pay you" letter. What will my options be then (if any)?

8th Feb 2010 UPDATE - I wrote to the Chief Executive via his email address last night and got this reply this morning:

"Thank you for your email, addressed to Graham Beale, our Chief
Executive.

Mr Beale was sorry to learn of your concerns and has therefore asked us
to arrange for the matter to be investigated. You should receive a
response very shortly, although this will be by telephone and/or letter
rather than email to ensure confidentiality."

I wonder what the outcome will be? Has anyone else tried this route?

Had a call from Nationwide. Guess what? They don't think I have a case for hardship!! Suprise suprise. I pointed out that were it not for the charges which came out the day before my DDs then my DDs would have passsed without a hitch. however as the charges DID go through then I incurred further charges, etc etc. They then said I had an income of £4800 per month!!!! I wish!! I asked her to clarify how she came up with this figure and she said she has averaged out my income over hte last two years to come up with that. Challenged this and now she is going away to look at things again and will reply to me by the end of the week in writing. A dear John letter no doubt.

If this happens should I go to the FOS or write to them again asking them to review their position or else?

pool-hustler

Come on then Martin!!
Why so quite? What are we supposed to do?

chrisharri

I think that we are all meant to go on to the bank charges reclaiming page, download the template letter and send it of fto our banks. We should all try to challenge them under the the new legal arguement, or in some cases under the human arguement. It's worth a try!