Reclaimed Bank Charges SUCCESS stories

xhosa9

smallpiper wrote:

Will that work?
When I spoke to them on the phone they were very, very aggresive.

Don't speak to them on the phone. Write to them explaining the sitaution and pref include a bopy of your budget showing that you can only afford a token statment. They usually accept then as it isn't worth them taking further action for such a small amount if they are not likely to get anymore than you are offering.

Cavell

I had one bank charge me £5 each time I went into my arranged overdraft and one charge a £10 fee for the same. No letter was issued, just a note on the statements.

This happened every month for years. Is this one of those cases when I can claim it back or not?

I know it was not much, but over the years it did add up and they were effectively charging me when there did not seem to be much of an admin burden to them.

I would be grateful if anyone can advise.

Boxman27

Bank: Cap One
Amount reclaimed: £320
Offer received today: £152

Will be declining offer and sticking out for full amount!

Just a thought...if as Martin suggests the OFT recommend that the Maximum charge should be no more than £12 (as was the recommendation with Credit Cards) for bank charges, surely it is just that....a recommendation for the maximum that a bank should charge. Therefore, as Martin has investigated already with former high ranking banking officials and found that even £4.50 is way generous when calculating the costs incurred by the banks, surely the banks will not hide behind the ruling and try to defend the charges and only refund the difference ie 35-12 = 23???? My take on this is that an OFT recommendation is purely that, a recommendation. Even if the charges are reduced to £12, to successfully defend an application for a refund of charges could only be done by disclosing their TRUE costs. So, even if they drop the so called charges to £12 they are STILL A PENALTY and do not reflect the true cost to the Banks. I think the banks will still be on very thin ice and it will take a brave one to try and defend even a lower charge for fear of having to reveal their TRUE costs. Sorry, a bit long winded I know but c,mon, if the post office deducted £35 or even £12 from your bank account every time they delivered a letter we wouldn,t stand for it and this isnt much different.

Nicky321

BANK: LTSB
Amount claimed: £925 + £120 Court Cost+ £341.46 Interest
Settled in full £1386.46

Started Court proceedings in September 2006, AQ handed in 2nd December, Never had any communications with either LTSB or their solicitors.
contacted them 27th Feb to notify them of pending court case on 5th March (they was not aware) Money paid in full into Account 28th Feb.

Sunday_Morning

Having read the Independent the other day, I've suddenly come alive to this issue of claiming back charges.

I've no idea what I've been charged over the past six years but I imagine it would comfortably exceed £1,000.

For me the first step is to assess what those charges have totalled over the years, and I was wondering, in lieu of the filling out the letter templates, would using a broadly similar wording in the "messages" system on the online banking site (I'm with HSBC) have the same legal impetus?

EDIT - I put in two requests in the online messages... one for my current account and one for the credit card.

I've already had one response back concerning the credit card within little more than an hour...

Dear Sunday Morning

Thank you for your e-mail dated 28 February.

I have ordered the copy statements of your credit card account for the last six years. These will cover all the details you require.

I have ordered the copy statements to your statement address and you will receive them within 10 working days.

Not bad huh? Although there's no reference to any charges being made for this service, despite what I put in my message authorising them to deduct a fee upto the value of £10...

redruby

pigginsexy wrote:

They have 14 days to acknowledge claim, if they dont, you can hit the judgement button on the MCOL website. If they do acknowledge they have 28 days from service of the claim (service of the claim is deemed 5 days from when you filed claim) to put a defence in. If they dont, you can again hit Judgement button on the MCOL website. If they do put a defence in then you have to wait for judges instructions, which would usually mean and AQ form being sent. You fill this in, send off and wait for a court date.

Good luck

Thanks for this, the bank have aknowledged the claim so I have to give them 28 days now. Sorry another question !! the 28 days takes me up to the 19th March, do i hit the judgement button then or do I have to wait till the 20th ?

Thanks for the advice,

Nimrod_2-2

Bank - Natwest

Claimed - £2100ish
Recieved - £1934

got a reply within one week of send claiming the full amount back

thanx money saving expert as those bank charges just kept on kicking me every time :money:

Edinburghlass_2

redruby wrote:

Thanks for this, the bank have aknowledged the claim so I have to give them 28 days now. Sorry another question !! the 28 days takes me up to the 19th March, do i hit the judgement button then or do I have to wait till the 20th ?

Thanks for the advice,

The system won't allow you to "hit the button" until the correct time.

Jamesdusk

Jamesdusk wrote:

Hi, I'm in the process of reclaiming £1400 from Lloyds TSB. I wrote to them about four weeks ago saying I would accept £1000, and as in Martins advice I gave them 14 days to cough up. I hadnt recieved a reply after three weeks so I submitted my online claim for the full amount last Friday. Today I recieved a letter from Lloyds TSB offering me £750, and that the money will be credited to my account over the next few days. Obviously I am not accepting this offer, but should I write back to them or will they just assume I am not accepting it as my claim has been issued?

Can anyone help me on this as on the bottom of the letter form the court outlining my claim it says in bold "YOU MUST INFORM THE COURT IMMEDIATELY IF YOU RECIEVE ANY PAYMENT BEFORE A HEARING DATE OR AFTER YOU HAVE SENT A REQUEST FOR ENFORCEMENT TO THE COURT". If I just ignore the letter from Loyds will they just put the money in my account and I'll have to inform the court?

cazzydevon

tiff wrote:

Hi Cazzydevon, no you claim for all of the £30 back.

Tiff - many thanks for that! Will get my claim in this week. For more than I thought!! Let's stuff em!!!! Cazzydevon :0)