Reclaimed Bank Charges SUCCESS stories

shaun1977

Llyllyll wrote:

If you asked for a reply within 14 days of the date of your letter then stick to your timetable not theirs. Go ahead with your second letter if you have not had a full reply within the 14 days as requested.

there are more appropriate letters at https://www.!!!!!!.uk/forum

brassig

delay tactics Llyllyll.....stick to you timetable not their...they will try anything

Lovingitifitsabargain

davegb69 wrote:

Bank: Capital One (Visa Credit Card)
Amount Claimed: £211
Amount Paid: £211
Story: Sent Initial Letter, got standard reply saying they will look into the matter. Sent 2nd Letter, received letter offering full refund and promised better Customer Service in future. Account passed to Debt Collection Agency!!

Bank: HFC Bank (Marbles Credit Card)
Amount Claimed: £200
Amount paid: £200
Story: Sent intial letter, refund refused. Sent 2nd Letter, offered partial refund. Replied rejecting partial refund, received letter offering full refund. Account passed to Debt Collection Agency!!

Bank: GE Consumer Credit (Asda Storecard)
Amount Claimed: £61.26
Amount Paid: £61.26
Story: Sent initial letter, no reply. Sent 2nd letter, received letter offering full refund

Hi Daveb69

I have just sent off for 180.00 to Capital One requesting it back - charged for late payments and going over limit - I was under the impression that they are only offering 8.00 so giving keeping 12 of every 20 they have charged - did they offer you this first ? also ... GE Money had a loan off them for windows and been charged 12.50 final reminder payment letters approx 8 times and about 4 x 30.00 final reminder letters would I be entitled to claim that backor is it different for a loan ? (I have paid it all off now )

davegb69

Hi I was offered around a 50% refund by Capital One, but I stuck to my guns and got the whole amount refunded. Not sure if loans are different, but I would assume the principal is the same - they can only charge you a reasonable amount to cover their costs...sorry i can't be more specific, but hope this helps

Lovingitifitsabargain wrote:

Hi Daveb69

I have just sent off for 180.00 to Capital One requesting it back - charged for late payments and going over limit - I was under the impression that they are only offering 8.00 so giving keeping 12 of every 20 they have charged - did they offer you this first ? also ... GE Money had a loan off them for windows and been charged 12.50 final reminder payment letters approx 8 times and about 4 x 30.00 final reminder letters would I be entitled to claim that backor is it different for a loan ? (I have paid it all off now )

shaun1977

Lovingitifitsabargain wrote:

Hi Daveb69

I have just sent off for 180.00 to Capital One requesting it back - charged for late payments and going over limit - I was under the impression that they are only offering 8.00 so giving keeping 12 of every 20 they have charged - did they offer you this first ? also ... GE Money had a loan off them for windows and been charged 12.50 final reminder payment letters approx 8 times and about 4 x 30.00 final reminder letters would I be entitled to claim that backor is it different for a loan ? (I have paid it all off now )

Loans are exactly the same.

Lovingitifitsabargain

shaun1977 wrote:

Loans are exactly the same.

Cheers Shaun you always make me smile you are so positive - thank you - I am sending the letter to GE today and HSBC for over 2,000 - :eek:
So hopefully I should hear back from HSBC, Capital One , GE MONEY within 14 days - still waiting on MINT and Monument although have had an acknowledgement from them both Monument wanting to speak to me as they have my best interests at heart (yeah right !!) anyway wrote back to them saying as stated in my previous letter wanted statement etc etc - will keep you posted
thanks again

itsamomentintime

hello all
i am at the stage where abbey have offered a refund of £300 worth of bank charges. i want it all back but after two written requests and 5 phon calls, they are refusing to tell me exactly how much they have charged me over the years.

how can i sue them if i dont know the exact amount i am owed??

davegb69

itsamomentintime wrote:

hello all
i am at the stage where abbey have offered a refund of £300 worth of bank charges. i want it all back but after two written requests and 5 phon calls, they are refusing to tell me exactly how much they have charged me over the years.

how can i sue them if i dont know the exact amount i am owed??

Hi there go to http://www.consumeractiongroup.co.uk and register its FREE, then use the link below to get all the info you need regarding getting details from your bank about all the charges that have been put on your account.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

In some cases the bank have written back saying they require £10 per statement - this is not true under the Data Protection Act they have to provide all the information for a MAXIMUM fee of £10 !!!.......hope this is useful.....Dave

Mooncake_3

Bank: Halifax
Amount Reclaimed: £1905 charges + £415.85 Interest +£120 Court FeeAmount they paid: £2440.85
The story: Thank you so much MSE and CAG. Following your guidance I requested my bank charges back, got as far a registering a claim in court, within 3 days Halifax had settled in full. I would encourage everyone to do the same, it was quite simple and I am the sort who never wins anything, so was nervous about trying. GO FOR IT :j

signedupwithemail

Well done you, great stuff.