Reclaimed Bank Charges SUCCESS stories

MSE_Martin

After the huge number of successes reported, this thread has become so long that it hardly opens, so I've started a new one!

Bank Charges Success Stories II

The aim is to show others that it is possible and it works.

Please report your successes here, if possible in the format

Bank:
Amount Reclaimed:
Amount they paid:
The story:
(just a few sentences, please include how far you went did you a. just write a letter, b. threaten to go to court or c. actually go to court )

• Read the article
  How to Reclaim Unfair Bank Charges

• Discuss the issues
  Discussion on reclaiming charges
  Discuss the impact on bankings future

Please don't use this thread for general discussion on reclaiming bank charges.

Dammam

Bank: Lloyds
Amount Reclaimed: £4980
Amount they paid: £4980
The story: Took a little persistance and patience, but finally managed to claw back all the money that left me on the brink of bankruptcy and losing my home after redundancy. Whilst life is still a bit of a struggle, I'm now debt free apart from the mortgage! Lots of great help from the consumer action group.

macymoo

First Direct
£1350 claimed
£1350 paid
Easy peasy, got to online claim stage, paid up after one day !!

Halifax
£860 claimed
£1350 paid (they read the wrong amount ) haha them !!
Halifax were so silly they couldn't even read the claim papers properly, again got to online claim stage, took 3 weeks to respond.

matildarosepink

Bank: HSBC
Amount Claimed for: £949
Amount Refunded: £850 within 3 weeks of the first letter being sent

I know I'm advised to push for the whole lot, but I do think banks deserve to be refunded for what it's cost them to deal with my account (and believe me I've been terrible it at managing it myself) so I believe this is a fair split for having the account 5 years.. I paid it straight off my credit card. Incidentally, for anyone looking at claiming from Natwest, I've a friend who works in the complaints department for them, and he says they're paying up once they receive a summons. I also think if the law was on their side, they would have resisted this process by now.

JMio_2

#1
Bank: Bank of Scotland
Claimed: £490
Refunded: £490

#2
Bank: Bank of Scotland
Claimed: £627.27
Refunded: £627.27

#3
Bank: MBNA
Claimed: £90.00
Refunded: £90.00

MORE TO COME

AndrewSmith

For My Partner Kim

Bank: HSBC
Amount Claimed £1095
Amount Refunded :£1250

I argued the point for her with the bank (after her giving the written authority for me to speak on her behalf) that they were still adding charges to the account as a result of them not refunding the charges initially. It was agreed that they would pay not only the amount claimed to the date of the first letter, but also all charges up to date also.

My tip is do not be intimidated, and don't be afraid to mention taking them to court. It certainly spurred HSBC into action for her.

Also negotiated out of the letter the clause about not making future claims.

Ajax18

Bank: NatWest
Amount claimed: 237,00
Amount refunded: 237,00

It went to the first stage of the Online Money Claim order. NatWest paid up within a month of my initial letter sent to the bank...

andyace

Bank: Citicards - Creditcard
Claimed: £650
Paid: £650

Repayment letter sent and partial payment offered, then LBA sent and full refund credited to account.Balance now £0 so this will be closed.
Many thanks to the BAG forum for their help.

Atman_2

Bank - Halifax
Claimed - £30
Paid - £30

I know this is a small amount but I wanted to try and be nice to them first. I explained that it was a one off & asked them to exercise discretion as we were good customers, well funded account, etc. etc. They agreed to refund the amount - no problem. So people PLEASE before you get medieval on their !!! try to appeal to their better nature. Even banks must have one! By the way, no I don't work for a bank!!!
:T

grey_lady

Bank: MBNA - Creditcard
Claimed: £620
Paid: £877 (inc £50 costs and £207 interest)

MBNA offered me half (and in fact credited it to clear my outstanding balance) and then told me categorically over the phone a couple of times that they wouldnt give me any more than that. The same guy rang me up and offered to send me a cheque for the rest + interests and costs if id drop the case against them, which i course did.

Now claiming £110 of Natwest

moxie_2

Bank: Nationwide
Amount claimed £949.54
Paid: £949.54 plus £120 fees repaid

You will win, but beware that Nationwide are closing accounts once they've paid up. I guess they don't want to have to deal with stroppy customers! Use the Bank Action Group forum at this link: http://www.consumeractiongroup.co.uk