Reclaimed Bank Charges SUCCESS stories

Rex_Mundi

Something that may be relevent in this case.............

If the business was a Ltd company, and is not trading anymore. The charges cannot be claimed. For a Ltd company, only the company can claim the charges back, not the individuals.

little_star8603

I am worried that i am over my overdraft limit by £150 at least and am trying to pay it off but halifax charging me £30 a pop everytime im still over is causing problems, can i still claim? also can this be done on credit cards or is it just bank accounts? i have all of my bank statements for the 2 accounts i have/had with halifax so i dont really need the charges sent, i have opened a new account with smile because halifax is awful.

is ther any chance i can get some more info and can halifax reclaim the £800ish overdraft before they close the account or will they just close the account?

theozziend

I posted earlier this week (my first) to say that I had had a "full and final" offer from Barclays of £1000. As I believe my charges going back over 6 years will exceed this (and probably by a fair amount) I have decided not to accept. I cannot find any template letter for proceeding along these lines and would be most grateful if someone "in the know" could have a look at what I am proposing to send, just so that I do not shoot myself in the foot. Any comments would be very much appreciated, and I would really like to get this on the move again. Many thanks.

"Thank you for your letter of 27th December 2006, in response to my letter to you dated 5th December 2006. Your prompt replies are appreciated.

Your offer of £1,000 is difficult to assess against my original claim for refund of my total excessive charges dating back 6 years. I do not have access to records going back that far, which of course, you do, and therefore I am not in a position to decided whether this is a fair offer. However, it is my belief that the total charges over this period far exceed your offer.

For this reason I now enclose £10, which I believe is the maximum charge, to ask for a print-out of all the charges levied upon my account, or alternatively statements which cover this period. I look forward to receiving these within 14 days, when I will be in a better position to proceed on this matter.


Yours faithfully, "

Thanks in advance.

nickmack

theozziend wrote:

I posted earlier this week (my first) to say that I had had a "full and final" offer from Barclays of £1000. As I believe my charges going back over 6 years will exceed this (and probably by a fair amount) I have decided not to accept. I cannot find any template letter for proceeding along these lines and would be most grateful if someone "in the know" could have a look at what I am proposing to send, just so that I do not shoot myself in the foot. Any comments would be very much appreciated, and I would really like to get this on the move again. Many thanks.

Forgive me if you have already explained somewhere else but why have you sent a letter claiming for charges you don't know the total of?

When it comes to file a court claim, you must know the exact amount you are claiming for and have evidence of this. You need to get your list of charges from the bank and then work it out. If you have sent the DPA request and the time has expired you should be pursuing this in order to force them to disclose this information.

theozziend

Hi, thanks for your speedy response. My first letter was the template letter claiming back my charges. I did not have access to my back-statements, and stated in the letter that if necessary, under the DPA, I would provide the £10 fee associated with obtaining copies of the statements from them. They chose to make an offer in response, and I am now rejecting this, and asking for copies of my statements (as per my original letter to them) in order that I DO have a sum I can claim. Hence me giving them 14 days to provide this information. I can then calculate what I am owed, go back to them requesting the refund of that exact amount, and it is at this point I thought I stated a timescale, and should this timescale expire without a satisfactory response it is then I commence proceedings for reclaim of the full amount, plus interest.

I had no way of knowing what the figure was when I sent the first template letter to them.

Any suggestions on how to amend this second letter to them, rejecting the £1000 offer, would be gratefully received.

Many thanks.

Edinburghlass_2

You have to give them 40 days to produce the information/statements that you require and not 14 days.

mishmash

I know I have been very bad over the years with my accounting ( always too much month at the end of the money). I have just done the first stages and sent off the first letter to my bank ( Nat West).

I was shocked to find that over the last 6 years they have taken £2956 from 2 accounts. On one occassion I got charged over £70 for the referral of a £4 direct debit.

No wonder I have struggled so much over the last few years. I have now requested they pay it back with interest a total of £3611.57. That should help my New years resolution to get my finances in order.

I have even encouraged my friends to follow this process, this is a great site. Thankyou all for your helpfull hints. I will let you all know when the drinks are on me!!

theozziend

Ah right, thanks. Otherwise, am I on track?

Edinburghlass_2

theozziend wrote:

Ah right, thanks. Otherwise, am I on track?

To be honest... no. You need to start with the correct information to hand as this will be part of your court defence against the bank and if this is not accurate it could well be thrown out.

When it comes to claiming in court they demand that each charge you are claiming is listed individually along with what type of charge it is and the date charged. As you obviously estimated charges in the first letter I would suggest you need to start again at the beginning if you decide to reject the offer of £1,000.

stratters1

Hi, I posted the link below yesterday. Today I have received a Allocation Questionnaire and 'The Defence'. HSBC have scared me half to death by what they have put in their defence, to cut it down, they say that their charges are reasonable and are properly disclosed in the terms and conditions and published price list. They also say that UTCCRs are not applicable to them and therefore are not unfair contrary to the UTTCRs.

I am so confused by all of this jargon. On the questionnaire I need to add 'Other Information' to hel the judge clarify the claim etc. I don't know what it is I'm supposed to say. It asks if I have witnesses or experts, do I need these and if so, who?

Sorry but I have no knowledge of legal proceedings etc.

Please can somebody offer me any advice.

:eek:

stratters1 wrote:

Hello people, I am new to this so please bear with me. I sent two letters to HSBC asking for a refund of £1100 in bank charges, they didn't respond so I have taken it to the Small Claims Court, secretly thinking I would win, however, having had a look on the web today, they have filed a defence against the whole amount, they haven't even offered me anything, so therefore it is actually going to a court!

Please can somebody reassure me or give me some advice as I am now really worried, this month (December/January) alone, they have charged me another £175 in bank charges, although I have now borrowed money to clear my overdraft with them.

Many thanks