Reclaimed Bank Charges SUCCESS stories

superfurry

Not the largest amount claimed back, but I got a £25 charge from Nat West Credit card for not setting up my DD on time. The offered and credited £12.50 back to me, then after the second letter, they paid the whole amount. Keep on hassling them !

Katuska

nickmack thanks a lot!!

dips1105

dips1105 wrote:

Hi,

I submitted my court claim last night towards Nationwide.. can anyone advise me on what will happen now?

Also, sending my letter today to Halifax for charges over £3500 - do I send it to the local branch or head office? Whats the success story with Halifax?

Thanks

Bump............ anyone please?

skintscouser

I have done a deal today which I am very happy about. I am to be repaid 87% of what I claimed. I would not have got it without the knowledge and confidence that this site gave me.

I was going to put my Moneyclaim in this week. The reason for this post is that when the banks cleverly put in a late writen offer it can potentailly muddy the waters. I am not sure if I got it right as I rang them and declined the initial final offer of £820 on Friday and demanded full settlement as my letter before action had been issued making my position clear. The person at the Halifax got defensive and I did too. So that was it.

I then wondered if I had made an error, and a question raised by Rex this morning (had my phone call given them a potential defence - and thus could my refusal to negotiate at that stage be seen as unreasonable?) made me think about it. It all worked out well in the end as a deal has been done. I have got £1350. Just by waiting 3 days and haggling, I got an extra £530. Well, they do say the Halifax gives you eXtra!! :eek:

I have saved the hassle of court claims etc. and time too, which was the main driver really. I am not sure if there is a definitive answer as many posts on here have been in a similar vein. It is a hard decision to make if you are offered a large sum of money that is short of what you want. It's clever stuff!

If there is a lesson, it is to keep to the path (that was the advice given to that bloke in 'An American Werewolf In London' and look what happened to him when he ignored it, lol) - if you know what i mean

Dromartin

I have a business account (sole trader) with Barclays, do the same rules apply for claiming excess charges or are you only allowed to claim on personal accounts?

Edinburghlass_2

http://forums.moneysavingexpert.com/showthread.html?t=270122

MSE_Martin

Thanks to Rex_Mundi and Edinburghlass for the crucial advice on here. You make a difference to peoples lives! <!-- / message --><!-- sig -->

I'll second that!

brenmit

HSBC
Claimed £699.
The offered £622.

Easy. Followed all the steps, got a massive wad of past statements as well as my £10 cheque back. Although they still haven't accepted liability I've settled for their offer. Do it if you haven't yet - you've got nowt to loose!

Gribbit

As I said in a different thread......
Claimed £628 plus £134 interest on 17/01/07
Offered £628 on 22/01/07.
Accepted by me today.
Very happy.
Couldn't have done it without this site though. Brilliant advice. Can't thank you enough. Been spreading the word to whoever is prepared to listen.

rob5497

Bank: NatWest
Amount claimed: £217.00
Amount paid: £217.00

Result! Sent the first standard letter which they responded to with an offer of £76 for my last two fees as they could not understand how I had arrived at the total I stated...despite enclosing a schedule of charges levied!

I then wrote back, advising them that I rejected their offer of £76 and required the full refund of £217 and enclosed another schedule for their information.

Phoned the branch on a couple of occasions to chase and they said that all complaints of this nature have been centralised to their Customer Relations Unit, whom I received a letter from this morning with their offer in full.

I have accepted their offer and think that I will now progress matters with other banks, although of course I need to remember that "we believe that the charges are for providing services and that they are not penalties or charges for default" - no, of course they're not, after all you did me a service for bouncing my direct debits!

My advice - go for it...you really don't have a lot to lose!

Rob.