Reclaimed Bank Charges SUCCESS stories

nimuemusic

I closed my wife's and my joint account in August 2005 but the bank claim they never received my instructions. We had an overdraft limit of £3500 but the bank continued paying Direct Debits and soon the overdraft grew to £7500, unknown to us. Niow the bank are r4claiming the full £7500. Can they do this and I am liable for any more than the £3500 agreed limit?

GEM4444

I claimed just over 1300 and received an offer last week for 1000 up to and including charges incurred in February which I am going to accept as I'm a bit straped for cash at the mo!! All it took was the 2 letters off this site and about 5 weeks time to receive an offer. Very pleased!!
:beer: :T

p.s
Received a second letter from HSBC yesterday offering me 3 pound more than my first offer. Letter dated earlier than 1st offer and relates to charges up to Decmber not February. Any ideas what I should do with the second offer??

Rolling Total £341,094.94 - keep it going!

Edinburghlass_2

nimuemusic wrote:

I closed my wife's and my joint account in August 2005 but the bank claim they never received my instructions. We had an overdraft limit of £3500 but the bank continued paying Direct Debits and soon the overdraft grew to £7500, unknown to us. Niow the bank are r4claiming the full £7500. Can they do this and I am liable for any more than the £3500 agreed limit?

Please read the answers on your other thread here.

As you reckon this is a bank error I would suggest you get in touch with the Financial Ombudsman as they will also help with reclaiming bank charges if applicable.

laurynsausage

Just wondering....... do the banks also tend to refund the £10 DPA charge?

PaulW922

millielotus wrote:

Now i know i'm thick i keep sending the message to myself!!
Hope someone can help me with these 2 queries.

I am claiming £2095 +£525.88 interest a grand total of £2620.88 They offered £1000 in a letter then £1200 over the phone but i said no deal.

I am now filling in the Moneyclaim form online.

Q1 the defendant is obviously Barclays, do i have to put their head office address in the defendant box, the address of the branch where my account is or the address on the last letter i received from them which was Barclays Retail Customer Relations in Swansea?

Q2 In Martin Lewis's example "Particulars of claim" No4 where it mentions the interest. Do i put the £525.88 interest which was worked out on the online calculator. The in No5 it says "insert total charges" plus interest ammounting to a total of "insert total charges plus interest"
I never was any good at maths but find this abit confusing. I imagine the 0.028% is left out of the equation for now as i guess the bank has to add that on at the end if they loose.

Mny thanks to who ever can help

Millielotus:T

Hi There

You put in Barclays registered office and address it to 'Barclays Bank plc'. The address is somewhere on this forum and also on the bank's web site

On the claim for you just state the amount you are claiming back plus interest. The interest amount will only be determined if the matter goes to court and you win.

the web site will automatically add the court charges onto the amount you wish to claim.

Have you thought about dropping them one final line to say that on this date you will be filing for the full amount plus interest? You could send them your interest calculation. If they are making you offers now they obviously are willing to settle.

Cannonwood

Missed a direct debit mortgage payment OUT of IF current account (to Coventry who didn't charge a thing!) in February and IF said they would charge £30 in March.

Got on the phone (nicely) asked to have them consider the five year relationship; they said no - the failed amount (around £1000) was "too great" to be forgiven. (I cancelled my credit card with them on the spot.)

Wrote an email telling them that if they took the money I would not hesitate to take them to court and mentioned this site along with the Sunday press. A day later they caved (but added "...it is in our terms and conditions....").

2hapennys

Bank Alliance and Leicester
Claiimed £5651 plus interest and court fees
Refunded £6751.95

Took about 3 months, sent the two standard letters gor turned down Filed mcol on 24/1, A&L acknowledge intending to defend 30/1 got cheque in post yesterday.:beer:

Usual stuff like you dont accept our terms and conditions, and will be contacting you shortly to discuss your account. No admission of liability, feel there charges are fair.
Special thanks to Rex Mundi, and Martin for letting us all know the process :money:

eddsup

Ive began the process of using the Moneyclaim website. On the front screen that views the status of your claim it says the Judgement is 'Start' But when you click on this it takes you to select Type of Judgement. One by Default or the other defend. Do i have to do something here? Could someone help me out please. Thanks

bakerag

I reclaimed my bank charges from Alliance & Leicester last June and as a result A&L decided to close my account.

At the same time I complained to the Financial Services Ombudsman which I was told at the time would be a waste of time.

But I have heard from them recently, and I have been told that in addition to the refund of my charges, the Ombudsman on my behalf will be claiming compensation from the Alliance & Leicester because of their decision to close my account after I had claimed for the unfair charges.

jennyowen

Hi all,

I'm about to send letters off to my credit cards to ask for lists of charges. Do you think it would be better to send the £10 fee as cash or cheque?? Any help VERY gratefully received.

Jenny xx