Bank Charges Reclaiming Guide discussion

Premier_2

home0000 wrote: »

Hi,

Does anyone know where we stand if the bank didn't reply within the 8 weeks deadline?

Thanks

If after 8 weeks of submitting a gormal compliaint you have received no response, you can escalate the complaint to the FOS.

Do you have proof or receipt the original complaint actually arrived at the bank e.g. a signature on delivery? It could be that the bank never received your complaint.

Perhaps worth contacting the bank just to make sure?

Premier_2

lkphtyson1 wrote: »

Plz can someone help me on wat to do next in the fight to get my bank charges back. I had about a month ago sent the new letter which was available to download from this site claiming financial hardship. Which Barclays bank replied saying they were sorry i was in this situation an that someone would contact me within 10 days. That was about 3 weeks ago.So i wanted to know wat the next step i should take. Many thanks:j

Perhaps contact Barclays and gee them up a bit?

natweststaffmember

lkphtyson1 wrote: »

Plz can someone help me on wat to do next in the fight to get my bank charges back. I had about a month ago sent the new letter which was available to download from this site claiming financial hardship. Which Barclays bank replied saying they were sorry i was in this situation an that someone would contact me within 10 days. That was about 3 weeks ago.So i wanted to know wat the next step i should take. Many thanks:j

Did you send them any proof of financial hardship, ie proof of arrears plus an income and expenditure form?

natweststaffmember

Babatree wrote: »

I have been following the guide on the site, and am now pursuing the Human Argument, (i.e. I was suffering financial hardship) to reclaim my Bank Charges.
However, I have had a reply from HBOS and they are asking me to complete a financial statement for the current time!

My circumstances have changed substantially since the period I complained about, (9 years ago), does this mean I can no longer claim my charges back because I have worked hard and managed to improve my financial position despite the banks efforts in 2001-2007?

What did you do at the time of your financial hardship?
Did you contact the bank during this time and what was their response?
You need to respond to them if they failed to help you at the time that the financial hardship occurred explaining the cause of it and how the lack of help from the bank made things worse.

Babatree

natweststaffmember wrote: »

What did you do at the time of your financial hardship?
Did you contact the bank during this time and what was their response?
You need to respond to them if they failed to help you at the time that the financial hardship occurred explaining the cause of it and how the lack of help from the bank made things worse.

Hi NWSM,

Yes I contacted the Bank and was given patronising advice r.e. budgetting and managing my financial affairs by their Call Centre Staff.
Just to confirm, you recommend that I write back to the bank advising that my current circumstances are no longer relevant and explain what impact their actions had at the time of the charges?

Thanks
BBT

natweststaffmember

Babatree wrote: »

Hi NWSM,

Yes I contacted the Bank and was given patronising advice r.e. budgetting and managing my financial affairs by their Call Centre Staff.
Just to confirm, you recommend that I write back to the bank advising that my current circumstances are no longer relevant and explain what impact their actions had at the time of the charges?

Thanks
BBT

Yes and the poor manner in which staff treated you in not helping you and lecturing you which did not help when you were in financial hardship.

misselvis

three weeks ago just re submitted my bank charge letter utlising the template from this website using the human argument. am still waiting for a reply from A/L. the amount I am has racked up to £3500. am usually a glass half full person but on reading some of the thread responses am not hopefully. appreciate some people might say that I got myself into the problems however in some occasions the bank was somewhat overzealous with charges to overdraft amounts of £5. am not utilising the hardship route but have outlined that the circle of debt continued as I was not able to sustain my cost of living and the everincreasing charges on my account. thankfully I was able to close that account and clear my overdraft with them. so now its a case of wait and see how they respond to my letter and how far I am willing to take the case. good luck everyone with your cases and thanks for the advice on this thread.

home0000

Hi Guys,

Does anybody know where I stand if he bank didn't get back to me within the 8 week deadline?

Thanks

natweststaffmember

home0000 wrote: »

Hi Guys,

Does anybody know where I stand if he bank didn't get back to me within the 8 week deadline?

Thanks

Which bank and what address did you use?
You can go to the FOS but I would double check that you have a final response cos it could lead to you spending sometime before they even get to a judgement.

knowga

Hello
I received my further reply from Abbey for the bank charge claim using the hardship/new legal arguments. They refuse to pay anything back. Their answer to my hardship claim was basically "watch your account" and the legal arguments were refuted clause by clause.
FO here I come...