Reclaimed Bank Charges SUCCESS stories

sadaf26

hi everyone , i aint got a clue hw to use this forum or chat thing, i am so confused. can u find out for me if i am able to reclaim this back , i am a bit nervous abt reclaiming my bank charges which are exceeding my overdraft usage which i knw i can get back, but will i be able to reclaim the following;
I took a loan from LTSB for £16000 on the 16th May 2006, it was a buy nw pay later loan, where u get the loan deposited in to ur account on that day and ur first installment will be taken 3 months later.
my first installment was due on the 26th August 2006.
I got the loan because i was in the process of selling 1 of my propertys and buying another 1, but i needed the funds for the property that i was buying at that moment.
i got £16000 on the 16th may 2006, the property i was selling sold so i got the £16000 back & thought i mite as well pay of the loan.
on the 27th july i decided to pay the loan off. I got charged £749.04 on top of my £16000 that i owed the bank, with them saying it is the interest that is charged @ £8 per day from the day my loan became active as well as the ERP.
what i didnt understand was that i was paying the loan off even before my installments were going to go out on the 28th August which was a month later, i didnt mind paying a one-off fee for paying it back early, but paying all that interest totally shook me up. i was told that if i had paid the loan of within 30 days of it becoming active i would have only got charged £1
but because i am paying it all of i am incurred 2 all those interest charges.
my question 2 u is, can i claim that back, im really stuck, i need ur expert opinion on this matter plz.
thank you :T

paul1e

Hiya,

Just Gonna Post Off My Letter To Hsbc Asking For Charges Back And Had A Quick Look At My Account Under The Charges Summary It Lists That They Are Gonna Charge Me So Much Interest And £100 Overdraft Charge On The 17/03/2007....

Question: Can I Include This £100 Charge In My Claim As At The Moment It's In The Future And Not Been Applied, But Will Be In 17 Days????????

fluffyturtle

Hi

I am claiming £1,373.86 (which includes the 8%) from Abbey. Filed my claim for court action via moneyclaim on the 20th of Feb. Today received;
1. an acknowledgement of service that has been filed. i take it Abbey have 28 days from this to file a defence?
2. a letter from Abbey stating i provided no details how i arrived at the bank charges figure or details of the interest.i used an online tool as provided by CAG (excel). they are asking for these details. should i re-send a copy of the charges and interest calculations? plus should i have sent a copy in with my claim, even though i applied for court action online?

thanks

kookenhaken

Hello!

I got £1700 (ish) back from Royal Bank of Scotland...
I wrote the letter in November and then worried about the account closure and if i even had enough charges to recoup - got my statements around first week in feb and added up £1700! So I wrote the letter asking for that and the interest - THANKS for the templates - and received a letter on Saturday - that's two weeks..the first page looked liek they were going to say no but it was just a bit of a disclaimer and as a goodwill gesture(ahem) they have given me the whole lot - stating they will have to look at my account should I ask again..no fear! I'm so happy! and am spreading the news.
Collette

einyuk

fluffyturtle wrote:

Hi

I am claiming £1,373.86 (which includes the 8%) from Abbey. Filed my claim for court action via moneyclaim on the 20th of Feb. Today received;
1. an acknowledgement of service that has been filed. i take it Abbey have 28 days from this to file a defence?
2. a letter from Abbey stating i provided no details how i arrived at the bank charges figure or details of the interest.i used an online tool as provided by CAG (excel). they are asking for these details. should i re-send a copy of the charges and interest calculations? plus should i have sent a copy in with my claim, even though i applied for court action online?

thanks

you will have to send the details they have requested to the address you sent your court action letter i should think.

pigsmightfly

Hi!

I sent a letter to A&L requesting list of charges as I had a loan with them. This loan was settled in 2004 but I know I definately missed quite a lot of payments on this loan as I got into a bit of a state.

However, I received this reply from them yesterday:

"I understand you were requesting details of any charges which were incurred on the above personal loan account which was completed in 2004.
I can confirm that no administration charges or fees were applied during the life of this account"

I presume they couldn't lie about this but don't understand how they haven't made any charges when I missed a lot of payments.

Has anyone else had a loan with them around 2004 and if so, did you get charged for missing payments etc?

Any advice on what to do next? Do I just take there word or ask for a full copy of statements? Don't want to pay a fee if they are correct though

bakes_2

I have sent away the first template letter requesting my charges for the last five years, (Scottish Law), i have received details of all my banking details from February 2001 til February 2004!!!
I have written to the bank requesting that my original request be fulfilled, ie the last FIVE YEARS, statements. I have also instructed them to return my request at their earliest opportunity.
I have informed them that as my original request was not fulfiled then i should not be entitled to pay another £10 admin fee for the information.

Have i done the right thing?
Is this a stalling tactic by the bank?

:cool:

keepmymoney_2

Hi
Thanks for the website. I have sent it to several colleagues.

I have filed the small claim via Moneyclaim for the Royal Bank of Scotland. I used the local branch address for the claim - is this right? The local branch is in England.

This is the first claim. A small one to learn the process - then we proceed with the children's accounts which are circa £2000 or each (5 kids!).

krisskross

How do people who have no access to the internet claim their charges back? I would imagine this would encompass some of the very poorer people. These would be the ones that need the information most. Where do they get their template letters etc?

Edinburghlass_2

keepmymoney wrote:

Hi
Thanks for the website. I have sent it to several colleagues.

I have filed the small claim via Moneyclaim for the Royal Bank of Scotland. I used the local branch address for the claim - is this right? The local branch is in England.

This is the first claim. A small one to learn the process - then we proceed with the children's accounts which are circa £2000 or each (5 kids!).

Local branch is fine. Royal Bank seem to be dealing with claims quite quickly.