Reclaimed Bank Charges SUCCESS stories

Sunday_Morning

I'm trying to post the following about my current account onto the HSBC online messages facility...

I am writing to request that you repay
all the default charges that have been
applied to my account. I do not believe
these charges reflect the true cost to
HSBC of going into unauthorised
overdraft. The charges total 657.50. I
believe I have been unlawfully deprived
of the money and therefore ask that you
repay me the full amount plus appropriate
interest. Please find a full schedule of
the charges as follows

DATE ITEM AMOUNT

26dec2002 TOTAL CHARGES 27.50
19mar2003 CHARGE 60.00
20mar2003 CHARGE 30.00
21mar2003 CHARGE 10.00
18mar2004 TOTAL CHARGES 18.00
15apr2004 CHARGE 30.00
16apr2004 TOTAL CHARGES 54.00
16apr2004 CHARGE 30.00
17may2004 TOTAL CHARGES 36.00
01jun2004 CHARGE 30.00
07jun2004 CHARGE 60.00
16jun2004 REFUND CHARGES 18.00R
16jun2004 TOTAL CHARGES 54.00
17jul2004 TOTAL CHARGES 36.00
16feb2006 TOTAL CHARGES 125.00
16apr2006 TOTAL CHARGES 75.00
17jul2006 REFUND CHARGES 25.00R
17jul2006 TOTAL CHARGES 25.00
Overall Total 657.50

I look forward for a full response to
this message within 14 days.

Yours faithfully,

However, when I try to send I get the message...

We are unable to deal with your request because you have entered unsupported character(s). Please try again. (S07)

In a previous message I had to replace the likes of I'm with I am, but I've not got a clue what the "offending" character(s) are in this case.

Does anyone know?

Jamesdusk

Edinburghlass wrote:

The money will be put into your account by Lloyds, you must inform the court.

Would it be better to write back and tell them I wont accept the offer, and then (hopefully!) wait for the full amount?

Edinburghlass_2

CLR wrote:

I sent my first letter to HSBC reclaiming £1900 in charges this week. However I have new charges of £100 due to be debited from my account in 2 weeks. Can anyone tell me if I will need to reclaim this £100 separately once it has been debited?

Thanks Claire

You can add charges up to the court stage, provided they have actually taken the money from you.

maniac886

vicky242a wrote:

Hi,

Thanks to this website i received a letter last night from Co-Op Bank offering me the full amount of charges back plus interest. My question is that i have also received a letter from Capital One only offering a quarter of the amount back, does anyone know what letter template i could use to refuse this offer and re-ask for the full amount back? Or should i just call them?

Any advice would be greatly apperciated.

Thanks
Vicky

YOUR Street
Town
City
Postcode


Date

BANK NAME
Address
Address
Postcode
Re: Account number XXXXXXXX

Response to settlement offer.

Dear [named sender or Sirs]

Thank you for your letter dated xx/xx/xx
I respectfully decline your offer as Full and Final settlement and request, once again, that you return to me all charges imposed on this account, totalling £xxxx

I will accept the sum offered only as part settlement and on the clear understanding that I will pursue recovery of the remainder, with a County Court claim if necessary.

My (Request for Repayment letter) (Letter Before Action) dated xx/xx/xx indicates that you have until xx/xx/xx to respond before I proceed to the next stage of my request (before I commence legal action). My deadline remains the same despite this offer.



I trust this clarifies my position.


Yours faithfully

[signature]

[print name]

Edinburghlass_2

vicky242a wrote:

Hi,

Thanks to this website i received a letter last night from Co-Op Bank offering me the full amount of charges back plus interest. My question is that i have also received a letter from Capital One only offering a quarter of the amount back, does anyone know what letter template i could use to refuse this offer and re-ask for the full amount back? Or should i just call them?

Any advice would be greatly apperciated.

Thanks
Vicky

There is no template letter, just use the letter before action adding in that you will accept the offer in part payment without prejudice but will be persuing them in court for the rest.

Edinburghlass_2

sttuartty wrote:

HBOS. Try it and see what do you have to lose you may in the end save yourself £10 each statement, however, if you are just looking for a list of Bank Charges then this is only £5 from HBOS.

If you ask for copy statements the banks can and do charge per statement, you are asking for a list of all your charges or copy statements as per DPA which can carry a maximum charge of £10.

paul1e

Edinburghlass wrote:

You can add charges up to the court stage, provided they have actually taken the money from you.

Hi Edinburghlass,

My post, number 2714, ask's a similar question, hsbc have advised that they will be debiting a charge of 100 on 17/3/07 was gonna send my claim off 2mra and include this charge would you advise against this and just add it when it is actually taken???????????

Katuska

Dear All,

Well,my case got to the stage where Lloyds filed a defence.:mad:
I haven't received the defence papers yet, so i don't know their reasons but I've got a few questions:

1. I'm not sure whether Lloyds customers are allowed to claim back account charges (£7 a month); I know other banks provide exactly the same service as Lloyds for no fees at all. When I filed my claim I got conflicting advice on whether to claim these fees or not, so I decided to add them to my charge list.
Was this a mistake?

2. I received a partial payment of £715 from Lloyds as their 'goodwill gesture'. I declined the 'generous' offer (altogether I'm claiming around £2100) but the person from the HQ said it was OK,they wouldn't take the money back; if I won the total amount they would just deduct the £715 from the payout.
So on my court claim I was still claiming the full amount.

Now I saw that Lloyds is defending the whole amount and it made me wonder whether the reasons above were prompting them to defend. Or is it just one of their tactics?
I already let the court know about the £715 partial payment and they noted it on my file.


Bit confused,any advice would be welcome.

Thanks!!

bev79

smallpiper wrote:

This morning I have received a letter from the Halifax saying they will investigate my 'complaint' . I am drafting my second letter threatening court action but as I did not ask for interest charges on the first letter I dont know if it would be ok to include them on my second.
Can anyone advise me on what to do

Thanks

Hi
I'm at the same stage as you but with hsbc, I didn't ask for interest on my 1st letter and have just printed off my 2nd letter, again with no interest, but a line stating that I will claim interest if it goes to court. I've had no response from them at all, I rang up and they told me my "complaint" had been logged on 24th Feb, Have given them a few days grace but I'm off to the post office tomorrow!

alabalafala

hi...can anyone give me some advice.....i've done the writing to the bank asking for my
statements, which i got (along with some of another cutomers, which i returned to them immediately), i then worked
out how much they owe me (nearly £5,000 without interest), i wrote to the bank again asking for this money and
telling them i was prepared to forget the £1,000 interest, they wrote back saying they were investigating my claim
and would be in touch within four weeks, today, the four weeks are up and they sent me another letter saying they
were still investigating, but it will take another four weeks (aaaaaaaarrrrrrrrrrrrrrgggghhhhhhhhhhhh) what shoul i do,
wait the four weeks or send them my letter threatening court action?????? please help