Reclaimed Bank Charges SUCCESS stories

dave_badger

A quick question, as some banks have been closing accounts after refunding charges could you say offer to accept partial settlement on the proviso they keep your account open? IE they owe you £1000 you offer to take £800 on this provision?

Rex_Mundi

dave_badger wrote:

A quick question, as some banks have been closing accounts after refunding charges could you say offer to accept partial settlement on the proviso they keep your account open? IE they owe you £1000 you offer to take £800 on this provision?

If you accept a lower offer, they can still ask you to close your account.

dave_badger

Rex_Mundi wrote:

If you accept a lower offer, they can still ask you to close your account.

But could you accept the lower offer in exchange for a guarantee they wouldn't close your account. Is this possible/likely?

rickellison

As it says in the title i had already closed my account with lloyds tsb when i heard about this, so will i still be able to claim back the cahrges?

bigbird1971_2

Bank : Halifax
Amount : 6200
Offered : 5500

Story

I phoned them today, they offered me just over half the amount i wanted i said they had to get a lot closer to six he came back to me and offered 5500, so i accepted just gotta wait for it to appear in my bank account now....:T

susanr_3

First Direct
Amount claimed £1784.00
Amount paid £1784.00

Requested bank statements just before Xmas. Took my time going thru them but sent 1st template letter 2nd January. Received acknowledgment letter from them saying how sorry they were that I felt I had to complain! Received further letter 18th Jan saying that although I was aware of the consequences of going over my overdraft limit, they were willing to repay my charges as it would be too costly for them to go to court - even though they were sure they would win!!
Anyway, I'm not pushing for the interest (a further £300) & have accepted £1784.00.
I'm now helping several friends to reclaim their illegal charges.
Thanks for giving me the confidence to do this, it was easy but I couldn't have done it without you.

Sue
:j

Rex_Mundi

rickellison wrote:

As it says in the title i had already closed my account with lloyds tsb when i heard about this, so will i still be able to claim back the cahrges?

Yes, you can claim off a closed account. It is exactly the same process.

Rex_Mundi

dave_badger wrote:

But could you accept the lower offer in exchange for a guarantee they wouldn't close your account. Is this possible/likely?

If the bank makes a lower offer, you could try asking them if they would accept your condition. Whether they will go for it or not is up to them. I would be surprised if they allow you to attach any conditions to their offer.

andrew2003

rickellison wrote:

As it says in the title i had already closed my account with lloyds tsb when i heard about this, so will i still be able to claim back the cahrges?

yes you can still claim back on closed accounts.

andrew2003

Co-operative bank paid me in full after first letter well excluding. interest and only took 8 days to pay me do you think I should go for the interest aswell, but they didn’t close my account well not yet anyways. Or should I leave it as they have paid me and they haven’t closed my account. And they didn’t send me any conditions for me to sign just paid the money into my account £3,000 couldn’t believe it