Reclaimed Bank Charges SUCCESS stories

Rex_Mundi

andy_H wrote:

I have filed a claim online (MCOL). Do they ask for any paperwork from me? And will i need to send any paperwork and all the statements i received or will an excel printout do?

Your paperwork will need to be sent at a much later stage of your claim. If the bank enters a defence, you will be sent an allocation questionnaire (there is a guide for this at the top of the board in one of the stickies). Then, if you get sent a court date, you will be given a date to send in your paperwork by. A list summarising the charges will be good, but also for this stage, a copy of all the statements with charges on will be a good thing to send along as well (these contain proof of all the charges).

stitchup

Ah your right in what you say thanks alot for clearing that up for me, i wont bother chasing them for that then, i will just try and clear up the ppi thing with them. Thanks again.

rigger1366

co-operative bank
£37.00 charged
£38.07 claimed back

hi everyone just had to let you all know that even small amount can be reclaimed. the co-operative decided to charge me £37 just before Christmas as my pay was late going in, so i decided to use the letters from this site. i only sent the first letter and i received a letter from the bank saying that they were investigating it and would be contacting me soon. just after the new year i received £38.07 back into my account with a letter of apology from them.:T keep up the great work guys

BenArd

I have previously sent a claim to Halifax regarding bank charges and claimed back approx £495. After a fair amount of delay (and me not being on top of things after having 4 wisdom teeth taken out) i was about to send a second letter threatening court action when i received an offer from them of £472. (Basically the value of the charges, they have omitted the interest).

I was just wondering if it is really worth the effort of send the second letter to try and get the whole lot back. I know it is £23 that i should be entitled to but i'm not sure if it is worth possibly having to go to court for it and whether they would view this is a good light if i did?

I could also do with the money seeing as it is just after christmas and we are trying to set up a business for my wife.

Finally, is it possible to accept the money they are offering but not as full and final settlement of the claim and then persue the remainder or will the bank just not pay the initial offer as the claim is not settled?

Thanks for any help.

Edinburghlass_2

From Martin's article...

If you won via the courts, you would be entitled to add 8% interest (not compounded) on top from the date you were ‘first deprived’ of the money (i.e. the date of each charge). Therefore you may want to ask for the interest as part of the initial claim. It's important to understand that you are not legally entitled to interest unless you win in court, yet all prior letters are a tool of negotiation; think of it a bit like haggling.

They are in fact offering you what you are entitled to at this stage so to get the interest you would have to initiate the court proceedings.

Rex_Mundi

I was just wondering if it is really worth the effort of send the second letter to try and get the whole lot back. I know it is £23 that i should be entitled to but i'm not sure if it is worth possibly having to go to court for it and whether they would view this is a good light if i did?

For an extra £23, you have to ask yourself 'is it worth pursuing to court?'. If the money would be handy, I would say take the money. This will be a nice quick settlement for you. £23 probably covers their true costs anyway, so it would be fair to take the offer you have been given.

Finally, is it possible to accept the money they are offering but not as full and final settlement of the claim and then persue the remainder or will the bank just not pay the initial offer as the claim is not settled?

The bank wont go for that. You either have to settle this as a full and final settlement, or decline the offer and fight on (not worth it IMHO).

Think about it this way............

If someone said you owed them money, and you made an offer as full and final settlement of the debt. Would you accept that you give them the money along with an understanding that they can claim for the rest of the debt if they decide to at some stage in the future?

BenArd

That's what i thought (always worth checking though.)

I think i will accept the offer as it doesn't seem worth the effort of going to court over £23.

Thanks for the help guys.

i.terry2

Bank Royal Bank of Scotland
Amount claimed £960
Amount received£930

Very impressed. Took just two weeks for them to offer us nearly the total amount as a gesture of goodwill, but without accepting liability. Only took one letter asking for our money.

5cally

If someone tried to reclaim their charges from a closed account, but currently had no fixed home address to apply from, because of work/housing problems, I'm not sure how they would proceed?A friend of mine had big problems with bank charges at Bank of Scotland but is freelance and has difficulty predicting where he will be at any one time.
I'm not even sure that he knows what the old account number was now, as he closed it in disgust and the problems were from before the time when he found out that reclaiming was possible. Is it possible to get the details without knowing the old account number?
Can anyone please advise me on the best way forward? or even whether there is a way forward? I tried searching the chats for this but couldn't find anything relevant.

Babe28_2

Can someone help me please, I want to claim charges on my credit card but I still owe on it. Can they/ are they within their rights to ask for the balance to be paid in full if I claim? If so I will wait to claim when the balance is 0.