Reclaimed Bank Charges SUCCESS stories

pigginsexy

jennyowen wrote:

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

Send it by cheque. You have proof that you paid then.

eddsup

Are there any posts on here that details the stages that the moneyclaim website goes through.

Mine is currently on Start.

Just so i know were my claim currently is and were i stand.

Thanks

FREDAKAY

Bank: HALIFAX
Amount Reclaimed: £2,767.59
Amount they paid: £2,767.59
The story:
Initially claimed £2,263.00 plus £384.59 interest. Offered me £1,643.00 I took this to the small claims court via Money Claim On Line which cost me £120.00. The Halifax have today agreed to pay me everything I claimed i.e. £2,647.59 plus the court fee. It should be in my bank in 5 working days. :rotfl: :rotfl: :rotfl:

islavanutherone

Taking a lead from my Dad I have always disputed charges on my accounts as soon as I notice them and have always won. Yesterday Intelligent Finance agreed to not charge me £30 for a rejected Direct Debit that would have taken me £120 over my overdraft limit (despite there being plenty of money in my other accounts). After a rap over the knuckles and a warning that this is the only time they'll do it, they agreed to not levy the charge. I've never had an account closed on me and only once had to suggest that I would think about moving an account if they were going to be unreasonable (that was a sainsburys credit card)

I wonder if it's easier to get them to agree not to apply the charge in the first place rather than have to claim it back?

Miss_Neo

Hi there.

I am currenlty in lots of debt to 3 credit cards, one loan and one overdraft with a bank.

I am aware that I am an idiot but I think that at least half of the debt is charges for late payment and being over my credit limit.

I lost my job in November and missed 3 payments with all my creditors.

I have been in touch with national debt line and have set up a payment plan to start paying these off.

My question is even though I am in a situation where I have missed payments - my credit rating is in tatters, can I still try to recalim all the previous charges?

Will it make my situation worse? I can not use any of the credit cards or bank account and have already opened a new bank account. So they can not cut off my current money supply.

Will me reclaiming get me into more trouble with the creditors or is it worth doing? If I were sucessful it may cut my debts in half!

Any advice appreciated.

Thanks.

Phoenix3861

Edinburghlass - Do these guidelines also apply to a Business Account where for example the person runs a small 1-2 man business and has had bank charges made for being overdrawn? Or does this current campaign deal solely with 'personal' accounts?

pigginsexy

Miss_Neo wrote:

Hi there.

I am currenlty in lots of debt to 3 credit cards, one loan and one overdraft with a bank.

I am aware that I am an idiot but I think that at least half of the debt is charges for late payment and being over my credit limit.

I lost my job in November and missed 3 payments with all my creditors.

I have been in touch with national debt line and have set up a payment plan to start paying these off.

My question is even though I am in a situation where I have missed payments - my credit rating is in tatters, can I still try to recalim all the previous charges?

Will it make my situation worse? I can not use any of the credit cards or bank account and have already opened a new bank account. So they can not cut off my current money supply.

Will me reclaiming get me into more trouble with the creditors or is it worth doing? If I were sucessful it may cut my debts in half!

Any advice appreciated.

Thanks.

I would not think it would make it worse, but maybe someone who is in the same situation as yours could help better.

My opinion would be, it would make you better off, as all the money you get back you could pay your debts off faster.

Maybe you could speak with the NAtional Debt Line and see what they have to say.

Good luck

jowitch2

FIRST DIRECT

CLAIMED £775 plus £98 interest

OFFERED £658

I am happy with this so will be accepting - I wrote the letter got a reply on 31 Jan to say they were investigating and today recevied the offer.

Thank You!!!!!! :beer:

pigsmightfly

Rolling Total £351,127.48 - keep it going!

Edinburghlass_2

Miss_Neo wrote:

I have been in touch with national debt line and have set up a payment plan to start paying these off.

My question is even though I am in a situation where I have missed payments - my credit rating is in tatters, can I still try to recalim all the previous charges?

Will it make my situation worse? I can not use any of the credit cards or bank account and have already opened a new bank account. So they can not cut off my current money supply.

Will me reclaiming get me into more trouble with the creditors or is it worth doing? If I were sucessful it may cut my debts in half!

Any advice appreciated.

Thanks.

You need to have a read of this thread in your situation...

http://forums.moneysavingexpert.com/showthread.html?t=306355