Reclaimed Bank Charges SUCCESS stories

sliddiard

hi to you all

Well i am just about to start the process of reclaimming all the charges i have paid over the years. i have just opened a second account and am about to send off template letter asking for the charges i have paid over the years which i would say amounts to a couple of thousands.i would be really grateful if there is anyone out there who would be able to help me through the process. thanks

Edinburghlass_2

Just follow Martin's step by step guide and read up other users experiences on the individual bank threads and you'll find most of the questions and answers to help you through.


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

dontgetmadgeteven_2

Bank: Alliance & Leicester Card (via MBNA)
Amount Reclaimed: £269+36.19 interest
Amount they paid: £305.19 to be credited
The story: Wrote December 31, recived holding reply only so sent LBA Jan 21. Received goodwill etc offer in post Jan 27

agent_zigzag_2

Going through the process with Lloyds at the moment got offered £750 against nearly a grand on friday will hold out for interest too,about 6 years ago we got charged about £2000 to close a mortage with Nationwide do you reckon its worth trying to get it back?




no money no funny.

shilso

I have opened my parachute account at A& L which is in the process of switching direct debits etc . Should I wait until this process is complete before starting the claim process with Royal Bank of Scotland? Any advice? Thanks.

Edinburghlass_2

No, just start now.

Edinburghlass_2

agent_zigzag wrote:

Going through the process with Lloyds at the moment got offered £750 against nearly a grand on friday will hold out for interest too,about 6 years ago we got charged about £2000 to close a mortage with Nationwide do you reckon its worth trying to get it back?
no money no funny.

have a read of this thread...

http://forums.moneysavingexpert.com/showthread.html?t=305519

AdamB

agent_zigzag wrote:

Going through the process with Lloyds at the moment got offered £750 against nearly a grand on friday will hold out for interest too

Be careful holding out for interest as well as you are not legally entitled to it unless it goes to court. Use it more as a bargaining tool eg, they owe you say £1000 plus interest of say £100. In LBA, say that you be willing to accept full amount minus interest otherwise you will take them to court. Tends to work.

garagekru

Just recieved a letter from hsbc offering me £319 to settle the case.:T :T :j

I had only sent the first letter requesting that they did! Cant believe that i did even need to send the second letter that would really threatern court action!

I was after £363.32 with intrest included, so i think ill take £319 as its only 40 or quid difference !

Thanks all for the information that i used!

Now i think it CitiCard and Halifaxs turn to get the wallets out!:T :rotfl:

artydoll

Many thanks for all this knowledge.
After reading about claiming bank charges back on MSE,I told my daughter ,who is in great financial difficulty.
Today she recieved £1153 from Abbey National ,shes over the moon .
Great going guys keep up the great advice and once again many thanks Martin.
:j :j :T :T :j :j