Reclaimed Bank Charges SUCCESS stories

Edinburghlass_2

redrose001 wrote:

Help please.
In the LBA template letter, a deadline of 7 days is given for a reply. The CAG gives a deadline of 14 days in their letter. Why the difference?
Thanks

You can use either, Martin has his letter, CAG have theirs.

Edinburghlass_2

L3ighton wrote:

how do i start that, do i have to pay anything? also do i have to get a solicitor?

From Martin's article...

Use the Moneyclaim website in England and Wales (there's also the Northern Ireland Courts online) which can be used for starting most county court money claims, just go there and fill in the form. There’s a fee of between £30 and £120, depending on the size of your claim, which can be paid by a credit or debit card; though it’s refunded if, and hopefully when, you win. If you don’t have plastic to pay on, get the paperwork to start the claim from your local county court and pay there; it’s the same price. This may be waived if you’re on benefits.

Edinburghlass_2

Evo wrote:

Hello - hope I am posting this in the correct place. I have just been online to check on my account and have found that I am over my overdraft limit and have had a total of £90 (3x£30) charged by the bank:mad: I am really annoyed as the first instance took place on the 4th of this month and they haven't sent me any letters or any kind of communication to let me know! Can they do that?! The other charges have therefore occurred from direct debits for bills etc. As my statement isn't due until the end of the month it's a good thing I checked now! After this happening I am getting my paperwork together to try and reclaim all the charges over the last 6 years but am worried as I currently live in a £1000 overdraft. Any advice?

Read Martin's article, then read it again

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

Edinburghlass_2

steve_higgs wrote:

Question Does Reclaiming Bank Charges Also Apply For Building Societies

Yes.........

Edinburghlass_2

ericaleicester wrote:

Can anyone answer these questions please?
1. Has anyone actually got into court? What happened, can't find anything on success thread ..

So far there are no reports on MSE of anyone actually going to court but thats not to say that this won't happen.

2. My bank's defence is that the charges are not 'penalty' charges, they are for providing a 'service' (I'm not talking about standard 'service' charges that you agree too!!!) Does anyone know anything about this?

That will be your bank's standard defence probably.

3. Students Loans Company - my friend has loads of charges, can she claim for these?

No idea.

Thanks for all the information on this site/thread - it's helped enormously so far ...

....................

sew-rae-me

Bank: Barclays
Amount claimed: £2160
Amount received: £1000
Sent first letter, replied within 4 days with £10 cheque returned, and with all 6yrs worth of statements. Sent 2nd letter requesting specific amount and included dates and amounts. They replied within 3 days with an offer of £1000. It's not the total amount due, but finances being tough at the moment, it was a great boost to help with the bills, so I accepted. They put the money in the bank account within 3 days. All in all I would highly reccomend anyone to have a go at at refund. It helps to get some pennies off them, instead of paying them all the time!

halphy

MSE_Martin wrote:

This thread is especially to report your successes taking on the banks to reclaim unfair charges.

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

Please report your successes here, if possible in the format

HSBC
[£3000]
£2837
The story:
Sent HSBC template letter asking for my charges to be refunded on the 23 dec, i recieved a letter saying they were reviewing my comments! i had a letter yesterday saying as a good will gesture they will refund "2837, great!!!! I can spend a bit more time at home with my 5 month old instead of rushing back to work. Iam now trying to get my others charges back from Abbey, see how i go!thanks Martin

dave_badger

Hi,

I'm sure this has possibly been covered before but, I'm with the HSBC and am expecting my past 6 years worth of bank statements back any day now. I am fully prepared to take them all the way if necessary to reclaim the thousands they've hadd off me in charges. My relationship with them has been bad at best and I'm worried that if i were to get any charges back off them they would shut my account. I am in a situation where I am unable to open another bank account due to my credit rating being so bad and the fact I am currently near the limit of my £1500 overdraft. I have an old savings account with the nationwide (a flex account?) that I haven't used for years is it likely I could change this to a current account?

Also does anyone know how the HSBC have reacted to claims in the past? they are generally less than helpful be it on the phone or in the branch when I have dealt with them so I can't see them being too helpful if I'm trying to get money back.

Help!

oneskintdad

Hi..can u help..I have been trying to reclaim £2150 from lloyds t,s,b..
After sending the second template letter i received a letter saying they were paying £750 into my account as a goodwill gesture and no other corepondance would be entered into...Should i take the next step and take them to court...Or risk losing everything....HELP......

Edinburghlass_2

Banks can and have closed accounts so you do need to prepare for that, give Nationwide a ring and ask them if they will change your existing account.

Have a read of the HSBC thread for people's experiences with them.

http://forums.moneysavingexpert.com/showthread.html?t=305461&page=11