Reclaimed Bank Charges SUCCESS stories

jockaroo

Just to speak a wee bit about where I am at with my claim against The Clydesdale, and hopefully I am on track, and somebody will tell me if I'm not!

I sent my first letter asking for £2087.10 which includes interest.Usual fob off. Sent second letter giving further 14 days etc. Now at MCOL stage with deadline now passed, but I did get a cheque for £966.25 as final offer, which I sent back, refusing to accept, with a covering letter saying I would continue with Court Action. The deadline was actually today and they have sent the same cheque back again today, saying their position remains the same etc!

So just need to confirm my next move please... Do I sit tight until the Court gets in touch?

Also, I posted some threads before about my worries of claiming from England to Scotland etc. and Moneyclaim saying my claim would be null and void (despite taking my £120.00 and STILL processing my claim! Bizzarre...) But I have since realised that my Clydesdale chummies have offices in London and Cambridge! Therefore meeting the criteria of having addresses in England? Info that I am about to email to Moneyclaim.

So am I ok thus far, or am I missing anything!?

Thanks in anticipation.

Jockaroo.

Rex_Mundi

jockaroo wrote:

So just need to confirm my next move please... Do I sit tight until the Court gets in touch?

If you have issued your claim, you need to sit tight now and see how the bank is going to respond.

gambled48

I have a list of my bank charges back from my bank. However it includes lots of small ammounts (under £10.00 for "o/draft interest"). Should I include these in my calculation sheet ( are these the normal account costs refered to in the article) Or should i just request the larger summs of £30.00+ for "o/draft excess fee"

Rex_Mundi

GAMBLED48 wrote:

I have a list of my bank charges back from my bank. However it includes lots of small ammounts (under £10.00 for "o/draft interest"). Should I include these in my calculation sheet ( are these the normal account costs refered to in the article) Or should i just request the larger summs of £30.00+ for "o/draft excess fee"

You can't include your overdraft interest. See post #4 in THIS THREAD to see which charges you can claim.

handbagfetish

Bank: First Direct
Reclaimed: £158
Paid: £158

Extra bonus; no charge made for bank statements.

Very easy, sent letter asking for money, got a reply saying they would be in touch in 10 days then got another letter offering me the money in full and final settlement. :T

All my friends are asking how they can do the same.

Thanks to all on this site :A you're fab

dips1105

Just got all my statements through....

... so quick question, I have 2 accounts there, 1 was a single account, the other a joint account.

Do I send 1 joint letter covering both accounts or 1 letter per account???

Thanks

Rex_Mundi

dips1105 wrote:

Do I send 1 joint letter covering both accounts or 1 letter per account???

One letter including both account numbers is fine. It is OK for you to claim the charges off the joint account just in your name.

clarenic

Hi everyone

I successfully claimed charges back from Halifax a few weeks back.

We've had another charge applied to the account. Not our fault, honest!

Southern Water normally take their £6.50 on around the 1st of each month, as they did this month. For some reason, they took another £6.50 on the 24th and then refunded it again on 25th so assuming it's a mistake on their part. The problem is, it sent us 37p over our authorised overdraft and so we've been charged £30.

I'm so angry. Do you think I have a right to request Southen Water pay that charge? I don't think I'll be able to take it up with the bank will I?

Thanks for any advice,

Clare

Rex_Mundi

clarenic wrote:

I'm so angry. Do you think I have a right to request Southen Water pay that charge? I don't think I'll be able to take it up with the bank will I?

Definately take this up with Southern Water. Their mistake has cost you £30! I would fully expect them to refund this charge.

dt22

i have now been told by my bank that a letter has been drafted up on the 11th jan and has gone to the legal deptartment to be signed off does anyone know what this may before? regards dt22