Reclaimed Bank Charges SUCCESS stories

PaulW922

Bank: Halifax
Amount Claimed: £4400
Amount Paid: £3170
Detials: I was charged £5kish over a six year period. I asked for £4400 back which allowed for £4-50 for each item reflecting the 'true' cost. I said that I would settle for £3900 out of court. I had a call today offering £2500 which I turned down. They then increased their offer to £3170 which I have accepted. I'm not greedy!

pigsmightfly

Rolling Total £454,244.49

danielley

I bank with Nat West and two weeks ago I sent them the standard letter requesting details of the past 6 years charges.

I received them in the post today and when I have looked through them, it looks like there is only about £70 charges.

However I have paid a lot of interest, this is because most of the times I went overdrawn, it was within my limit.

Is there any chance I can get some of this back? I know its a long shot

Thanks

Edinburghlass_2

No, you can't claim back interest for being overdrawn.

pigsmightfly

danielley wrote:

I bank with Nat West and two weeks ago I sent them the standard letter requesting details of the past 6 years charges.

I received them in the post today and when I have looked through them, it looks like there is only about £70 charges.

However I have paid a lot of interest, this is because most of the times I went overdrawn, it was within my limit.

Is there any chance I can get some of this back? I know its a long shot

Thanks

Hi!

No you can't claim interest. See the following link for a list of all charges you can and cannot claim:

http://forums.moneysavingexpert.com/...36&postcount=4

helen111

well I am about to start helping a friend claim money back, he has paid charges each month for years. i have been reading the process and it seems to me most of the time people are now having to put claims in for court hearing rather than getting acceptable offers from the banks etc. All his is with the Abbey, has anyone else dealth with them over this, can you offer any advice specific to the abbey or can tell me how they normally deal with this?
thanks
helen

pigsmightfly

helen111 wrote:

well I am about to start helping a friend claim money back, he has paid charges each month for years. i have been reading the process and it seems to me most of the time people are now having to put claims in for court hearing rather than getting acceptable offers from the banks etc. All his is with the Abbey, has anyone else dealth with them over this, can you offer any advice specific to the abbey or can tell me how they normally deal with this?
thanks
helen

Hi,

If you click the following link it will take you to the thread for people who have dealt with Abbey:

http://forums.moneysavingexpert.com/showthread.html?t=306404

paul1e

Hiya,
Just Finished Going Thru My Statements And Pulling Out The Charges, Not To Bad As Hsbc Highlight Them In Red If You Print The Statements Off Online, Just Want To Make Sure That I've Done Right As I've Not Included Any Charges That Have Been Refunded When, On The Odd Occasion, They Have Listened To Me Moaning.. Assume This Is The Correct Thing To Do As Don't Want To Take The Micky??????????.....

pigsmightfly

paul1e wrote:

Hiya,
Just Finished Going Thru My Statements And Pulling Out The Charges, Not To Bad As Hsbc Highlight Them In Red If You Print The Statements Off Online, Just Want To Make Sure That I've Done Right As I've Not Included Any Charges That Have Been Refunded When, On The Odd Occasion, They Have Listened To Me Moaning.. Assume This Is The Correct Thing To Do As Don't Want To Take The Micky??????????.....

Yes if they have already cancelled/repaid that charge just leave it off

minty18

Delighted with the help so far from this website and even more delighted with my offer from hsbc on my bank charges.

This has now given me a kick up the backside to sort out my credit card charges with barclaycard, capital one and citi card so a couple of questions......

1. Do i send the same template letter as with bank charges?

2. Can i still try and include the £12 charges?

3. Citi card let me pay half my balance and agreed to close my account. would i still be able to claim the ones from them?

Help would once again be much appreciated.