Reclaimed Bank Charges SUCCESS stories

neverheadgirl

Hi
Has anyone had any luck with MBNA? I have a credit card with them and have incurred some charges, usually in the £25 - 30 region. From reading the forum, I gather the maximum amount able to reclaim is limited to £12.00 or have i got it completely wrong?
Also, are store cards covered in this area?

nickysnoop

After getting as far as filing my claim on mcol - Halifax have agreed to pay my charges of £3457 plus my court fees of £120 if i stop court action.

They initially offered me £2030 after letter before action was sent - but when i phoned and said this is not acceptable the nice lady on the phone asked me how much i would consider to be acceptable - i replied "all of it plus my court costs but minus the interest"
Would like to say a big thankyou to all on this site and to Martin for championing the cause on GMTV which spurred me into action - ive just moved into an old Victorian House which needs a LOT of decorating so this money has really come along at the right time!!!!! :money: :T :beer: :j :j

Azzy1958

This is just to let you know how I got on with reclaiming my Bank charges

Bank HSBC
Amount reclaimed £ 1,086.08
Amount they paid : £ 844.00

I only sent the letter at the beginning of January. I received a reply within 7 days, saying they were looking into the matter and today (24/01/07) I recieved another letter with the offer. Now that's what I call SUCCESS!!! Many, many thanks Martin, you're a legend

Lou:rotfl:

achtunglady

On behalf of husband

HSBC BANK
Amount asked for originally: £2287 Offered £1945 Declined offer
Amount paid £2969 including £120 court fees and interest @8%

We were due to issue a warrant of execution tomorrow but checked on the old internet banking and its been credited!!!!:j

LouBlue

You lot are giving me real hope! I have sent off asking for my statements this week so here's hoping!

Well done to you all! :j

troll_2

HSBC

Amount claimed £2072

Amount paid £1843

This whole process has taken about 10 weeks, I've not been on the ball. But after 2 letters and a couple of phone calls I'm happy to say they made an offer of which i'm happy to accept. THANKYOU MARTIN

kempie34

I did what Martin explained.:D

sent off my letters in December 2006.

It is now Jan 2007 and I am due to have £1001 paid in to my HSBC account at the end of the month.

way to go Martin :money: .:A

thank you for your advice. :beer:

nickysnoop

LouBlue wrote:

You lot are giving me real hope! I have sent off asking for my statements this week so here's hoping!

Well done to you all! :j

Go for it Lou, dont be put off by their delay tactics, they know they have to pay out or disclose their true costs - which so far none of the banks have been willing to do - Good Luck :hello:

annwwilkinson

OK I'm very new to this so please bear with me, we have an account with the Halifax debit electron card account, who have been taking charges on and off for the last 6 years,

my questions are,

1 do we have to open another bank account as having a low income, we certainly don't meet the £1000 minimum deposit a month required to open bank accounts, infact being self employed at times its sometimes hard to even find the £500 to open an account, also which is the best bank to switch to if needed,

2 do we need to inform any companies that we have direct debits with, first before we take action as we have quite a few and I'm worried that they will just close our account and leave us high and dry

3 does it always go to court, bearing in mind we have to scratch about finding the money to go to court presumably before there is any pay out thats if there is one,

4. we don't have any overdraft facility so can they refuse saying that it was part of the terms if we do get overdrawn,

what does annoy me is they refuse a direct debit if there wasn't the funds in there (although i do blame some of the companies that we have direct debits with as they never seem to take them out on the same date, so quite often we allow for the fact that say the money came out on the 24th of last month and then find out it came out on the 20th hence we are overdrawn and then charge us £39 for the fact,, three days later if the money isn't in there, i wouldn't mind if they had honoured the direct debit in the first place, but they didn't,

sorry if i have asked questions that have been answered before but i couldn't get a couple of links to work and kept getting error on page,

hope some one cleverer than me can help

thanks

nickmack

neverheadgirl wrote:

HiHas anyone had any luck with MBNA? I have a credit card with them and have incurred some charges, usually in the £25 - 30 region. From reading the forum, I gather the maximum amount able to reclaim is limited to £12.00 or have i got it completely wrong?
Also, are store cards covered in this area?

Yes, plenty of people have successfully reclaimed from MBNA.

You can claim the whole amount unless MBNA miraculously come up with evidence of their actual costs.