Reclaimed Bank Charges SUCCESS stories

feedering

diane_n wrote:

Hi , just registered today although been on your site every day since January, I am trying to reclaim charges from LLoyds TSB sent my letter requesting statements over 4 weeks ago, since been told LLoyds are a nightmare to reclaim off and will fight all the way.
they have until mar 5th and then another letter will go out asking for statements again.

Lloyds are difficult however they will pay in the end. Just stick to your guns.

fofola

I want to post my 2nd letter to barclays bank with copies of the charges but i don't no the address to post to can someone please tell me where to post to.

thanks:T

feedering

Use this
Freepost RLTA-CSUE-TCHC
Barclays Bank plc
Head office customer relations
1 churchill place
london
e14 5hp

whizzy

When you open up a current account you normally have to credit a minimum amount into the account each month - OK fair enough.

However, if you open a new account and your existing banker does not 'send you packing' how do you deal with the parachute account that you've now opened.

nickmack

swazine wrote:

Really need some legal advice with this one re RBS defending my claim.....

OK, if you're after specific legal advice you need to go to the Citizens Advice Bureau or a solicitor. The advice on here is general advice regarding bank charges.

RBS's solictors have said that they would like the following information:

Did you word the particulars of claim exactly as provided on this site? If you've followed the guide exactly, the banks questions seem to be delaying and an attempt to intimidate.

1. In your claim you state: "Claimant claims [the] return of the amounts debited £3339". Please provide the following particulars in support of your claim:
1.1 In relation to each charge please identify a) the date when the chage was charged b)the amount of the same and c0 the reasons given for charging of the same.

They're asking for a list of charges, have you provided this with your letters?

1.2 In relation to each charge, please clarify the following a) is it the case of the Claimant the samne should not have been charged? b) if yes: please explain why the claimant contends that the same should not have been charged c) If no, is it the case of the Claimant that the same should not have been charged in this amount? d) If yes, please explain why the claimant contendes that the same should not have been charged in this amount and dientigy the sum the claimant contends should have been charged. e) if not, please state the claimant's case.

You are not saying you should not have been charged, but are contesting that the charge should be proportionate to the cost. If you used the particulars of claim from here, this is clearly stated to the bank including the legal points you are relying on.

2. In your claim you state that the charges are: "unenforceable under the Unfair Terms ....... Services Act 1982".

3. Please specify all of the facts relied on by the Claimant in support of the contentions in paragraph 3 above, and in particular please identify a0 the sections of the Unfair Contract Terms Act 1977 ("UCTA 1977) b) the regulations of the Unfair Contract Terms in Consumer Regulations 1999 ("the Regulations) and c) the principles of common law relied upon by the claimany in alleging that the contractual provisions referred to are unenforceable. Please also identify the contractual provisions that the Claimant alleges are unenforceable by reference to UCTA/the Regulations.

Again, this should be in the particulars of claim, it might be an idea if you posted what you wrote in the claim, just to confirm you didn't miss anything.

1259sjm

I changed banks a little over a year ago due to the high bank charges occasionally incurred. I still have the statements for quite a few years back. Can i attempt to reclaim charges even though i no longer have an account with the bank?

feedering

nickmack wrote:

OK, if you're after specific legal advice you need to go to the Citizens Advice Bureau or a solicitor. The advice on here is general advice regarding bank charges.



Did you word the particulars of claim exactly as provided on this site? If you've followed the guide exactly, the banks questions seem to be delaying and an attempt to intimidate.



They're asking for a list of charges, have you provided this with your letters?



You are not saying you should not have been charged, but are contesting that the charge should be proportionate to the cost. If you used the particulars of claim from here, this is clearly stated to the bank including the legal points you are relying on.



Again, this should be in the particulars of claim, it might be an idea if you posted what you wrote in the claim, just to confirm you didn't miss anything.

As long as the POC are complete and you have given them a schedule of charges then you do not have to provide any further information to their solicitors. CPR part 18 does not apply in the small claims court. And the CAB do not provide legal information.

swazine

MANY MANY thanks nickmack and feedering. My POC statement was this:

1. The Claimant has an account 00652109
with the Defendant, opened Sept 1999 2.
Since 02/01/2001 the Defendant debited
charges and interest in respect of
purported breaches of contract. 3.
Defendant is aware of all details as a list
of charges has already been supplied.
Another copy will be sent. 4. Claimant
contends: (a) The charges exceed the
Defendant's losses caused by the breaches;
(b) The Term permitting the Defendant to
levy such charges is unenforceable under
the Unfair Terms in Consumer Contracts
Regulations 1999, Unfair Contract Terms Act
1977 and at Common Law. 5. Claimant claims:
(a) return of the amounts debited of £3339;
(b) Interest per S.69 County Courts Act
1984 of 8% - £950.17 continuing at 8% until
judgment or settlement at a daily rate of
£0.73; 6. Alternatively, if the charges are
a fee for a service, then they must be
reasonable under S.15 of the Supply of
Goods and Services Act 1982. 7. Costs
allowed by the Court

so, the noly thing I really need to send the bank are a list of charges I'm claiming for?

Again, many thanks for your help.

Edinburghlass_2

diane_n wrote:

Hi , just registered today although been on your site every day since January, I am trying to reclaim charges from LLoyds TSB sent my letter requesting statements over 4 weeks ago, since been told LLoyds are a nightmare to reclaim off and will fight all the way.
they have until mar 5th and then another letter will go out asking for statements again.

Give them a ring at the beginning of the week and ask if they are on the way.

Balckpoolfunhouse

RBS Business Account

Amount Claimed £750
Amount re-Paid £750

Sent Letter 1, and 10 days later they agreed to the full amount. Martin, you're a genius.
Thank you