Reclaimed Bank Charges SUCCESS stories

bowesyb5syncro

how do i go about claiming on a halifax account that was closed 2 years ago my girlfriend no longer has account details/number she was charged quite heavily before it was closed

1954

I would like to know if the H.S.B.c can allow your £8000.00 overdraft to balloon into £21.000.00 without first contacting you, for approval, this was a business account which closed in 2005, I am currently paying them back at the rate of £10.00 a month, can I get the overall amount reduced because they went over the agreed limit, normally you are not allowed to go over the agreed limit, so why are they allowed to go over this limit to such a high amount, your help would be much appreciated.

yours
1954

gill37

Bank: Royal Bank of Scotland
Amount Reclaimed: £1728
Amount Paid: £1728

I sent them a letter in January and they have today sent me a letter back saying they do not agree with the basis of my complaint as they believe the charges they levy are for providing services and are not penalties or charges for default. They also said they felt their charges were fair and reasonable.

And after saying all that they still agreed to pay back all the charges as a gesture of goodwill. Thank you RBS! Now waiting to see if they close down my account.

Thank you Martin Lewis for advice! You have just made my weekend!

thecornflake

Bank: Natwest
Amount: 6500 (including compounded contractual interest at 29.69%)
Amount Paid: 4500 See below

The offer arrived 16 days after my original letter. This letter was about 2 pages long detailing various extra bits from the standard template on the Consumer Action Group site.

The offer was for the full amount of charges but not the interest. This comes to around £4500 and I would have pushed for the interest as well, but my current situation means I could do with the money, and couldn't guarantee being able to pay the court fees for the claim even though I'd get it back.

I also got £500 from MNBA, which was charges and contractual interest at 17.9%, and they paid up the full amount after the second letter.

I still have Egg, Mint, IF, BT, Sky, GE Money and a couple of others to go.

chomps13

chomps, its Edinburghlass, not glass

As the address given says they are the DP Dept any DP requests should in theory go there but if you find out different I will change the address list or at least add in another. It could be that they have set up a BC complaints dept.

Are you using the complaint letter that Rex wrote for this letter to Lloyd? Its linked to several times. Personally I would sent the letter to both addresses that way you cover all angles![/QUOTE]

Hi, please accept my sincere apologies, Edinburghlass, I'm embarrassed but laughing now!

I will be using the letter posted by Rex that you kindly copied into a previous message for me,and I will post to both addresses to be safe. Unfortunately, I have misplaced the paper that I wrote this on but will contact them and request it again. I will post it for you once known.

Kind regards once again!

ZhenNiHua

amount claimed was £900 including interest. Got £718 back which i'm happy with. Would like to say a huge thank you to Martin Lewis for all the info provided. Going to spend this on holiday in May. It took about 2 months to get the charges back but it was worth it. Thanks Again.

suse142

Lloyds TSB
Amount claimed:£257 inc. interest
Amount paid:£240

After sending the second letter threatening court action they replied saying they would pay up (without paying interest) because it would cost them too much to defend it. I'm happy enough without the extra hassle. :rotfl:

chrispog39

What a wonderful sight!! REALLY HELPFUL!! THANKS!!

How slow am i? I only heard about this on Sunday & my letter was in the post on Monday morning requesting my statements.

Just wondered if there were any other people in the process of claiming from A & L as from reading some of the posts they seem to be one of the more obstructive banks & one of the banks that seem to take it to the wire & hold out as long as they can!!

Knowing my luck the Government will change banking policy before my claim comes to fruition!!! PLEASE GOD!!

A & L should be ready coz i intend to take it all the way!!!

thanks for all the advice again x

TheHacker

TheHacker wrote:

Bank: Barclays Bank PLC
Amount Reclaimed: £220
Amount they paid: £150

The story:
Threatented to sue using Martins standard letter, took only 2 weeks before I got offered £150 today, which I have accepted :j .
Next bank in my sights; MBNA who owe £485. Expecting offer by tomorrow - will keep y'all posted. :T
Go for it everyone - It works!!!

Got a letter from MBNA with a paltry offer of £163 !!:mad:
Rejected it immediately, have now written 2nd letter threatening court action.
Let's see what happens next!!

Watch this space....

loumac

LloydsTSB
£200 claimed
£200 received

Refused after first letter, after second threatening court action they've agreed to pay the pull amount with a long long letter telling me how I should learn to manage my own finances better! Cheeky!

Thanks Martin. :j