Reclaimed Bank Charges SUCCESS stories

paul1e

nickmack wrote:

This is absolutely correct.

Thks nickmack, as your online ask you opinion on this, posted it a couple of times but no response's I'm about to send off first letter requesting charges back to hsbc, but on my online account it states that i will be debited £100 on the 17/03/07, i've included this in my claim or do you think i should add it once it has been taken???????????

elliharry

Bank: HSBC
Amount Claimed:- £3996.23 inclusive of interest
Amount Paid :- £2850.00 without interest

Thank you, thank you for making this all so easy. Bank didn't charge for my statements, sent within two weeks, after first letter said investigating. After two weeks, I sent a second letter threatening court action, and got the above settlement figure two days later. I am very happy with this amount, and will try and urge as many people as possible to do the same.

nick_denny

Bank:HSBC (personal ac)
Amount Reclaimed:454.00
Amount they paid:454.00
Took about five weeks no problems at all, now going for my business account and lloyds Tsb today is a good day. Thank you so much MSE Martin you should be Knighted.:o

scoobysue_4

Sunday_Morning wrote:

I had a problem recently with my online bank unable to accept a message. I couldn't figure out why.

In the end it was because I had pasted in my list of charges from excel and although i couldn't see them on the screen, there were "shift" tabs to denote where different ceels had been used.

Once I pasted my message into MS Word and selected to see all the tabs, it became clear to me and i was able to edit oon Word, copy and paste, and submit with no further problem.

Sorry if this doesn't correspond with your problem, but I though I'd mention it just in case...

thanks for the reply, i couldnt find any of the symbols that were being shown and in the end i just deleted it all and typed the words from the template and it has gone off ok now. wil have fingers. legs and everything crossed now that i am successful and am trying hard not to worry that i might be the one that they try to make an example of. once again thanks for your help.

Bankrobber_3

Bank; Halifax
Amount Claimed; £58
Amount Paid; £58

Story; It was easy, downloaded:EasterBun template letter from website edited it to suit my needs, got a reply in 5 days saying that they were dealing with my complaint and 2 weeks after that they offered to refund the full amount. Although they did threaten to close the account if I did it again. LET THEM!!:EasterBun

Thanks Martin

Rates next.

Sunday_Morning

Edinburghlass wrote:

The £12 is recommended by OFT, not accepted and nor does it mean you can't take it further and ask the court to decide.

Is the aforesaid £12 supposed to represent a "one-off" charge, or the maximum anmount per charge (albeit it's not set in stone)?

What I mean is, say you have gone overdrawn beyond your agreed limit and been charged £25 each for two subsequent transactions that shows up as a £50 charge on your bank statement.

Is the OFT recommending that this charge should be £12 or £24?

Hannah's_Mum

I posted the question yesterday - will I be allowed to represent my daughter if her case gets as far as court, because she is working abroad and might not be back in time.
Decided to phone the MCOL helpline, and was told that I can use my details in the service details on the form, and if she cannot make any court hearing, she has to write to the court and say I will represent her.
Thought this might be useful to someone else.
Still don't know if I should deduct the £750 'goodwill gesture' from the total she is claiming and put the smaller amount on the claim form - which would make it different from the one I sent to Lloyds - or keep it the same but add that they have made a part payment of £750.
Anyone else had the same situation?

Edinburghlass_2

Sunday_Morning wrote:

Is the aforesaid £12 supposed to represent a "one-off" charge, or the maximum anmount per charge (albeit it's not set in stone)?

What I mean is, say you have gone overdrawn beyond your agreed limit and been charged £25 each for two subsequent transactions that shows up as a £50 charge on your bank statement.

Is the OFT recommending that this charge should be £12 or £24?

OFT isn't recommending anything regarding bank charges, the recommended £12 is for credit card charges.

nickmack

Sunday_Morning wrote:

Is the aforesaid £12 supposed to represent a "one-off" charge, or the maximum anmount per charge (albeit it's not set in stone)?

What I mean is, say you have gone overdrawn beyond your agreed limit and been charged £25 each for two subsequent transactions that shows up as a £50 charge on your bank statement.

Is the OFT recommending that this charge should be £12 or £24?

The £12 recommended by the OFT is per charge for credit cards, so for two charges of £25 each, totalling £50, no more than £24 should be charged according the OFT.

Edinburghlass_2

Hannah's_Mum wrote:

I posted the question yesterday - will I be allowed to represent my daughter if her case gets as far as court, because she is working abroad and might not be back in time.
Decided to phone the MCOL helpline, and was told that I can use my details in the service details on the form, and if she cannot make any court hearing, she has to write to the court and say I will represent her.
Thought this might be useful to someone else.
Still don't know if I should deduct the £750 'goodwill gesture' from the total she is claiming and put the smaller amount on the claim form - which would make it different from the one I sent to Lloyds - or keep it the same but add that they have made a part payment of £750.
Anyone else had the same situation?

I can't remember what you are supposed to put on the forms other than you should let MCOL know so try ringing them and asking.