Reclaimed Bank Charges SUCCESS stories

Edinburghlass_2

Read this thread about Basic Bank Account in Budgeting and Current Accout board.

http://forums.moneysavingexpert.com/showthread.html?t=319736

Edinburghlass_2

Yes you can claim on a closed account, best to check what power you have as an executor regarding a closed account.

Edinburghlass_2

Phoenix3861 wrote:

Many thanks for that.

Just to clarify another point though......if it says 'overdraft fee or excess overdraft fee' I claim for it as ONE charge event?

Or do I list an excess and a normal overdraft charge as two seperate items if on the same date or can I lump them together under the same date?

(sorry my brain locks down when I get money stressed!!!)

If they have made the charges separate, list them separately.

rawfy

I am on day 4 of a seven day extension to the 14 day letter. I have requested an estimated £10k of charges from a high street bank, i have just found out that the Small claims court is only up to £5000, any advice as to where i take it from here?
i should probably have requested my charges to be listed by the bank under the DPA request but hindsight is a wonderful thing.

jbherts

I dont know if i'm doing this right - pease bare with me

I reclaimed bank charges from Woolwich for 449 plus interest to the total of 589, after the 2nd letter they have offered 210, i wrote back said as a gesture of goodwill on my part and without prejedice and no liability on their part i would accept 400, they wrote back again and said basically 210 or nothing what do i do now?

sally1980

yes i claimed £1161 from HSBC. no court. my sucess story is on the success story site

skoobs

Bank: Lloyds
amount charged: £60
reclaimed: £60

Thanks to your help the bank didn't even actually get the chance to take the money out of my account! They wrote saying they were going to take £60 due to unauthorised borrowing (over the limit for two days just before Christmas!), I wrote to them on Friday saying their charges were punitive and if they took it they would be unlawfully removing money from my account and I would take further action. The bank phoned this morning(Monday!!) saying they would not charge us as a 'gesture of goodwill' and it was discretionary so would only do it this one time. Is this turnaround time a record I wonder?:rotfl:

sally1980

i sent mine to my local branch and got a quick reply saying that they were looking into it. About a week later I had a letter offering me almost the full amount back

Edinburghlass_2

rawfy wrote:

I am on day 4 of a seven day extension to the 14 day letter. I have requested an estimated £10k of charges from a high street bank, i have just found out that the Small claims court is only up to £5000, any advice as to where i take it from here?
i should probably have requested my charges to be listed by the bank under the DPA request but hindsight is a wonderful thing.

Read this thread about claiming more than £5,000

http://forums.moneysavingexpert.com/showthread.html?t=309301

However if your claim is an estimate by you, you'll need to list each and every charge you are claiming when it comes to putting in a court claim.

Please read Martin's article.

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,

sally1980

i am now looking to reclaim charges from a business account. is the process the same