Reclaimed Bank Charges SUCCESS stories

Mama_2

machiner wrote:

Hi everyone,

Could someone give me advice on my next course of action regarding the following:

I wrote to the Bank of Scotland on the 17th January 2007 asking for my charges back. I received a letter dated the 7th February saying that they were dealing with my complaint and that I would hear from them regarding the claim within 4 weeks. Today (06-03-07) I received a letter saying that they apologise that I have not had a full response to my concerns but that they are still investigating and I will receive a response no later than the 3rd of April 2007.

So whats my next course of action? Can I send the court letter or does the fact that they have replied mean I have to wait? Is this a stalling tactic before the OFT report?

Any help would be great!

Thanks

No, don't wait, they're just delaying until April, so the chances are they'd have to pay less.

Mama_2

Hi,
Does anyone have an address for Solution finance data requests?

Thanks,
Mama

caleyles

CAN ANYONE HELP PLEASE?

I have claimed back my statements from BOS on the 24th January. Last week 3 years worth arrived and despite several phone calls to my local branch also to the number that was on the accompanying letter with the statements there is still no sign of the statements, I can only assume this is a delaying tactic possibly until the OFT statement in April, However I do have the last two years statements on my internet banking webpages, Would Iit be worth going through them all totalling the charges with the one year missing and including something on the bank charge claim letter that I still intend to claim for the missing period i.e. Apr04 till March05l I think ironically that this would be the period where most of my charges would be but I am concerned that if it is not done by April then I will receive less back
Any help would be appreciated

Mongoosier

robbog wrote:

go straight to moneyclaim on both accounts separately with interest!!!!
aslong as you've given them warnings about going to court then file the moneyclaim - they should back down then - halifax did for me this week (£4317 & £680) + you'll get your moneyclaim costs back too

Just to confirm: is this stuff about the 8 week's they are "entitled by the FSA" to wait a lie then? Just that I got the same response from Halifax through this morning (by phone).


It took me 3 1/2 months to get my statements from Halifax - they kept sending me the last two years but nothing prior to that. I finally got them through, after 11 separate requests, last week so I only sent my initial claim letter through on the 3rd March.

Should I still just give them 14 days (as stated in the letter) from that date to respond, then send the "I'll take you to court" letter?

Thanks for the help!

Miz

Edinburghlass wrote:

Welcome to anyone coming to this brand new board after reading Martin's updated article on the Main Site

To any users who haven't had an answer to their question on the old discussion thread please feel free to place it here and hopefully someone will have an answer for you.

If you want to ask a question about a specific bank please check the boards to see if you can find a dedicated thread to your bank and pop your question on there.

Don't forget to put your Success story on this thread when you complete your claim and good luck.

Hi I am looking for help, I stumbled across this site looking how to reclaim charges from Halifax. I did not know if because I have a CashCard account (visa electron Debit Card) that I would qualify, as after applying numerous times over the years have not qualified for a current account due to a bad financial experience some years ago. Anyway, I too have been charged substantially over the years, when direct debits have either failed or cheques bounced (cheques I do not use now) but used too, and even if the salary was to go in the day after a cheque had been presented I was still charged. Just recently, my husbands employer had paid his salary a day late into our account, being the end of the month all debits were due out, we were charged 3 x £39.00 (as this is all they are allowed to charge in one day!!!) for failed debits.
In a nutshell, where do I start, to start my claim and the process to follow?? I have read that maybe they would close my account!! where is recommended to open another? Any help greatly appreciated. I have read numerous threads reference this subject this morning, but a bit bemused
Miz HOW DO I GET BACK HERE WHEN I LOG IN LOL?

smiler84089

Miz wrote:

Hi I am looking for help, I stumbled across this site looking how to reclaim charges from Halifax. I did not know if because I have a CashCard account (visa electron Debit Card) that I would qualify, as after applying numerous times over the years have not qualified for a current account due to a bad financial experience some years ago. Anyway, I too have been charged substantially over the years, when direct debits have either failed or cheques bounced (cheques I do not use now) but used too, and even if the salary was to go in the day after a cheque had been presented I was still charged. Just recently, my husbands employer had paid his salary a day late into our account, being the end of the month all debits were due out, we were charged 3 x £39.00 (as this is all they are allowed to charge in one day!!!) for failed debits.
In a nutshell, where do I start, to start my claim and the process to follow?? I have read that maybe they would close my account!! where is recommended to open another? Any help greatly appreciated. I have read numerous threads reference this subject this morning, but a bit bemused
Miz HOW DO I GET BACK HERE WHEN I LOG IN LOL?

Hi Miz,
I am on the final straight with Halifax so hopefully i can give you some guidance. In advance of going online to fill in the 3 or 4 lines of basic information with the small claims court, i applied and got an Alliance & Leicester online premier account.
I went into the branch and they filled out all the paper work there and then and you then sign and post it. They are a small bank so it takes less time to filter through. They offer a £650 interest free overdraft initially and that can increase to £2500 if you can produce a Halifax statement where you were in credit 2 days or more. I unfortunately couldnt provide that and am limited to £650.
Whilst that is in the pipe line you can fill in the details on either letter 1 or 2. The first is a polite request for your money back along with a list of unfair charges, etc. The second is a more assertive request with the threat of going to court over it within 7 days. I think that letter 2 is the first one to use as the clock is ticking until the office or Fair Trading issues its recommendation on what the banks SHOULD charge. This is expected early next month. This will give the banks a small excuse to not give ALL the money back and to keep some (expected to be £12). In effect you only get approx 66% back.
Sometimes Halifax will give all or some of the money back at the second letter, however, i am reading more and more on this forum that the banks are going right to the wire (maximum time allowed could be 35 calendar days, 28+7) which will probably be after the OFT's reccomendation, therefore giving them the excuse that they can charge, for eg, £12.

My point is this, get the second letter in (threat of court) asap and wait 7 days. This will rattle the tree and they should respond with an offer. If not then apply on line with the small claims court and set that ball rolling. If you get to that point then expect a 28 day wait until they decide to defend, then expect another 7 days (or more) where the evidence is consulted by the judge. Its looking more and more likely that the banks will have their alarm clocks set to go off 1 day before the judges decision and then they will give up and offer to settle outside of court. That way they get maximum time to achieve a 33% reduction in payout. (considerable when you consider that they have shelled out millions so far)

John

caleyles

Further to my previous plea for help I have once again called The BOS number and have been told that they will send out the statements missing from Apr03 till present. This will take 10days!(we'll see) was told that when I applied for statements they go in an automated 4 week queue and therefore they can,t understand why they didn't all arrive, when asked if this was a stalling tactic I was told of course not! :mad:

Unfortunately until I have all the statements I won't be able to total my charges,but once I do and submit the claim letter Where do I send it? Is it to my own branch or Is there an address elsewhere?

Many thanks in anticipation of your help

jogrant69

Hi - I started claiming my bank charges last year when it all started and our bank offered us half and made us sign a letter agreeing to just half, which at the time was a great help but I have since read in newspapers and other articles that the banks should repay in full - does anyone know if there is anything we can do now even though we signed a letter agreeing to just half our bank charges back. We accepted £1,000 but the actual amount was about £2,600.

mikeyrose

hi can anyone help do i post the letters to my branch or a head office address

karen5416

mikeyrose wrote:

hi can anyone help do i post the letters to my branch or a head office address

I posted mine to my branch