Reclaimed Bank Charges SUCCESS stories

Rex_Mundi

chekhov wrote:

Is it possible to download the claim form so that the details can be typed in or do I just print it off and handwrite them? Also, not quite sure about the "blue" print in the middle. what does that bit mean?

I think the N1 claim form comes as a pdf (if I remember rightly). If you have software that can edit pdfs (normally Adobe Acrobat, but there are free programs out there), then you can download it and type in your details.

nervous_2

Edinburghlass wrote:

Welcome to anyone coming to this brand new board after reading Martin's updated article on the Main Site

To any users who haven't had an answer to their question on the old discussion thread please feel free to place it here and hopefully someone will have an answer for you.

If you want to ask a question about a specific bank please check the boards to see if you can find a dedicated thread to your bank and pop your question on there.

Don't forget to put your Success story on this thread when you complete your claim and good luck.

Help! I can't find the thread that I was on yesterday. I only joined yesterday and I know you've moved me to the Northern Ireland crowd, but I can't find any of my yesterday's threads. Can you help me please Edinburghlass?
nervous

EllsC

Bank NATWEST
Amount claimed £1127
Amount paid £1127

Just received a letter from Natwest today saying they will repay all of the £1127 that I claimed in bank charges. This was after only threatening to take them to small claims last week - Thought Natwest was going to be tough but not so....horray!!!:

nervous_2

nickmack wrote:

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.

Hi, i must be getting more confused. I sent off my first letter with copies of my statements. I underlined all referral fees and fees that I was charged. Using the template i used the calculator and the total that I took as was over £3000.00 Now I see that charges and interest must be separate. I thought my charges were the referral fees for going over the o/d. The bank didn't send me the charges just the statements. I went through these and totalled them up. Did i do this correctly? When it comes to the second template how on earth do i add up the interest? Does it mean working out the bank's interest on each individual referral fee?
nervous.
P.S. I have thanked people by using the thank you symbol, so i am a little confused how it's not registering?

L-Jay

Halifax - claimed £409, paid £439 after first letter, won't see the money as it is an account with an unauthorised overdraft that I am paying off through CCCS, but it's reduced the balance nicely so no complaints.

Can anyone clarify if I can claim for credit card charges?

The_Bloodster

maniac886 wrote:

In the first letter enclose a schedule of your charges including OVERDRAFT INTEREST which you can show was caused only by those charges - not general overdraft interest.

The second interest that you have mentioned,Statutory 8% can only be claimed once you file a claim with the courts. This comes under the s.69 the County Courts Act (1984).

So with my first letter reclaiming my charges back I can't claim any interest on the charges unless its actual interest taken from me caused by the overdraft charge?

I thought we could claim the interest (Statutory) on the charges they have taken off me?

Thanks

Rex_Mundi

The_Bloodster wrote:

I thought we could claim the interest (Statutory) on the charges they have taken off me?

You are only entitled to the statutory interest once you've issued a court claim. This interest is nothing to do with reclaiming bank charges. It is the statutory interest you can charge on a debt when you make a county court claim.

Rex_Mundi

L-Jay wrote:

Can anyone clarify if I can claim for credit card charges?

Yes, use exactly the same process as with the bank charges.

farquarpigmix

Hi Everybody,

To date I have claimed around 600.00 back of halifax. Had to do this through the small claims court online. At present I am writing to capital one to claim back
charges of them as well. I didn't send 10.00 for invoices, i just phoned and asked for them, don't know if i was lucky?

I have also helped sister-in-law claim back her charges as well and boy was she a happy bunny. This was all achieved due to the consumer action group and this site.

Have a little faith and claim what you are owed.

Regards
Farquar

beverleyt

But were we right in including them in the letter with there being templates with the option of adding interest? The most the bank can refund us is without interest if they pay without going to court?