Reclaimed Bank Charges SUCCESS stories

consnmattsmom

Bank: Virgin One Account

Amount Reclaimed: 158.00+5.69 interest + 30 court fee = 193.69
Amount they paid: 193.69

The story: Sent off both letters with the correct timescales and received no response so filed MCOL on 19th Feb and received reply today. However I have got to ring them cos although they say they have refunded the full amount only a £30 credit has gone into my account.

Thank you to everyone on this site. Wouldnt of done it without it.

One down six more to go.

:T :T :T :T :T :T :T :T

sweetnats

sorry guys it me again.. the new confused one....

Just a quick one..
Just had my letter of partial offer... and obviously not accepting.
On martins Templates it says to send the letter back saying that you dont accept but it also says "insert courts name here"

Does this mean i need to file court action? or do i just insert my local court name????

Sorry im getting so confused... lol

thanks you all

Edinburghlass_2

sweetnats wrote:

Does this mean i need to file court action? or do i just insert my local court name????

Sorry im getting so confused... lol

thanks you all

Yes, link to finding your local court is in the Reclaim Help Thread, link in my signature.

bluejosiah

Nationwide
Claim £2934.50 + £689.39 interest
RECEIVED £2934.50 + £689.39 interest + £1.96 in pending charges!!

The Story: it took us 2 and a half months, we got as far as the Nationwide saying they were intending to defend, but they paid up two weeks after court papers were served. No mention of account being closed. I wouldn't be saying any of this without the help of Martin and his amazing team and the chat forum bods who responded to my questions.
:j :T :rotfl: :j :T :rotfl: :j :T :rotfl: :j :T :rotfl: :j :T :rotfl:

Rolling total (I think) is £568,256.30 Keep it going!

Edinburghlass_2

Henrietta_Carrot wrote:

I need advise please.

The overdraft I have on my Lloyds TSB account is approx £7,000. They have frozen the interest and are only asking for £25 per month for the next 6 months.

If I go through the process of trying to claim back the charges on this account for the past 6 years will they then insist that I immediately pay back the overdraft?

Any monies they refund would go towards this overdraft but have a look at these two threads regarding this problem.

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

http://forums.moneysavingexpert.com/showthread.html?t=378349

Edinburghlass_2

robbie1944 wrote:

Hi
I have been unlucky to have had to pay charges on my car finance so you say I can claim these back as well as the banks but how do I find out the total amount I have paid in charges
Can you please advise
.
thanks

Send the letter "ask for charge details" to the company, link below.

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

Edinburghlass_2

karen5416 wrote:

Hi I am new...have been reading all the info and followed all the steps but am a bit confused, (doesnt take much mind).. I am going through natwest to get my charges back, i asked for my statements, they replied with a nice letter, i replied with a copy of the template on here with a full breakdown of charges on the 21st last month, i then received a letter saying they were looking into it...then heard nothing, i have just sent the letter talking about taking them to court but now starting to get a bit scared...what do i do, and how do i take them to court....

It seems NatWest will go to the wire and you may well have to start the court proceedings but you can do this online and its quite a simple process.

Edinburghlass_2

KMW wrote:

After being charged £30 for a failed debit card transaction(was £1.30 short) I am considering reclaiming charges from Nationwide. However who will give me a debit card account when I have a slightly!!! dodgy credit score. Check the Budgeting and Current Accout Board for a Basic Current Account Also 1. will Nationwide play difficult with my morgage, 2. Close my savings account. Someone recently had all accounts closed by Nationwide 3. Close my wifes basic account. As above.

Just as a further note about Nationwide , due to a "Admin error" by them they have not been taking the correct morgage payments for the last 3 months

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result we are over £600 in arrears. They are demanding it be brought up to date

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do I have to pay interest on the arrears?. You need to get this sorted as soon as possible, make an offer to overpay something at least on a monthly basis.
Guys your help would be greatly appreciated.
PS. just sent DPA letter to Capital One credit card.

...................

Edinburghlass_2

sweetnats wrote:

Is this the part where i have to go to the HMCS online and file court action?

Sorry for not getting it.. would appreciate any help

A real newbie... :rotfl:

Have you sent them the letter before action (I'm taking you to court)? If so then yes you start the MoneyClaim online proceedure.

Edinburghlass_2

libby9984 wrote:

hi
I was wondering if anyone could help me. I am currently going through cccs debt company helping me pay off my loans. My loan has been moved from hsbc to a debt company now, does that mean i can claim all my penalties back from hsbc even though i havent a bank accound with them anymore(I added it up and they owe me 9300)
can anyone help me please
regards

You can start a claim but be aware they will probably refund any monies due to this account. Please read this thread.

http://forums.moneysavingexpert.com/showthread.html?t=378349