Reclaimed Bank Charges SUCCESS stories

Edinburghlass_2

t8769 wrote:

Hi

Where can I get the form letter to send to the bank?

I've searched the newsgroup recomended here but can't find it.

Thanks

Have a read of Martin's article here and read PenaltyCharges and sign up to the CAG forums for all the templates that you need.

Any further questions can you please put on this thread

bagpuss1964

Natwest charges £340 (and thats just in one month!)
Offered £266.00
as a goodwill gesture provided I sign a form saying it in 'full and final settlement of all claims I have relating to charges'. They know they have me over a barrel as a disabled single mum on benefits. Like Chrissie there was a problem with the DWP not paying my benefits in. I would like to fight on but not sure I can afford to.

Nationwide charges £380 (again in one month)
Refused point blank to refund or discuss
Debt has spiralled to this amount due to the 'vicious circle' of charges putting me overdrawn in the first place - a D/D for £17.90 was refused which would have taken me less than £1 overdrawn then add on 'unauthorised borrowing fees' plus the fact that as fast as I was able to put cash in it was swallowed up in fees and I'm banging my head against a brick wall. They are now threatening to take me to court as the charges have put me £380 overdrawn and I have no way of paying it.

Edinburghlass_2

bagpuss1964 wrote:

Natwest charges £340 (and thats just in one month!)
Offered £266.00
as a goodwill gesture provided I sign a form saying it in 'full and final settlement of all claims I have relating to charges'. They know they have me over a barrel as a disabled single mum on benefits. Like Chrissie there was a problem with the DWP not paying my benefits in. I would like to fight on but not sure I can afford to.

Nationwide charges £380 (again in one month)
Refused point blank to refund or discuss
Debt has spiralled to this amount due to the 'vicious circle' of charges putting me overdrawn in the first place - a D/D for £17.90 was refused which would have taken me less than £1 overdrawn then add on 'unauthorised borrowing fees' plus the fact that as fast as I was able to put cash in it was swallowed up in fees and I'm banging my head against a brick wall. They are now threatening to take me to court as the charges have put me £380 overdrawn and I have no way of paying it.

bagpuss, if you are on disability benefits you may well be exempt from court charges so it may well be worth your while carrying on and rejecting their offer, please read this link http://www.hmcourts-service.gov.uk/infoabout/fees/county.htm

If you decide to carry on and reject their offer, use the following letter

Dear [named sender or Sirs]

Thank you for your letter dated xx/xx/xx
I respectfully decline your offer of 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 letter before action sent previously indicates that you have until xx/xx/xx to respond before Court action commences. You are reminded that there will be no extension to this timescale.

I trust this clarifies my position.


Yours faithfully

number1johnw@hotmail.com

Barclays
£30 claimed
£30 repaid
Many thanks for the tip, this was apparently a 'goodwill gesture' - ha ha!

sarahmoon_2

Bank of Scotland
£561 claimed
£561 plus £50.05 paid!!!!

lambo_3

charges claimed back: £1250.00
Got back YESTERDAY: £1190.00

I let them keep the measley 60 quid as i have been a crap customer over the years - is a deposit on a newflat for me - I am sooo happy!!! i used the steps on this site and the letter templates from consumer action grp website.

BELIEVE ME, IF I CAN DO IT WHO IS AN ABSOLOUTE SCATTER BRAIN - ANYONE CAN!!!! They tried to offer me 800 at first but i refused and got the second offer which i accepted. I love you Martin!!!!!!!!!!!!!!!!!!!!!!!!!!

Lovingitifitsabargain

My daughter closed her account with HSBC 6 Months ago, because of charges, but through this forum decided she had nothing to loose by claiming back her charges - today she was offered 600 from her request of 726 - she is soooo pleased - she knows that if she pushed it she might get it all back but wants to take the money and run -:j Just waiting on my letter now :eek:

minsters

First Direct
Claim: 2 years worth totalling 1982.50
Sent letter 1. No response. Sent letter 2 and received a snotty letter back but for 'commercial reasons alone' offered me 1300. Took advice here and urged on so 'respectfully declined' and sent again the 2nd letter this time to the big cheese in customer relations. Letter offering FULL refund 4 days later.
Money in my account last wed. !
Wahey - moved to All & Leic but tempted now reclaim the other 4 years and already starting to tackle Barclays on behalf of my better half.

Go guys - I was sceptical, but IT WORKS THANK YOU MARTIN LEWIS - IF I WASn'T TAKEn, I'D MARRY YOU!!!!!!!

Edinburghlass_2

minsters wrote:

First Direct
Claim: 2 years worth totalling 1982.50
Sent letter 1. No response. Sent letter 2 and received a snotty letter back but for 'commercial reasons alone' offered me 1300. Took advice here and urged on so 'respectfully declined' and sent again the 2nd letter this time to the big cheese in customer relations. Letter offering FULL refund 4 days later.
Money in my account last wed. !
Wahey - moved to All & Leic but tempted now reclaim the other 4 years and already starting to tackle Barclays on behalf of my better half.

Go guys - I was sceptical, but IT WORKS THANK YOU MARTIN LEWIS - IF I WASn'T TAKEn, I'D MARRY YOU!!!!!!!

I think the MSG would have something to say about that minsters but well done on your claim and the other successful claimants

Beanietdc

Bank: Halifax
Amount Reclaimed: £2518.51
Amount they paid: £2518.51
The story: Claimed on behalf of my boyfriend. Threatened them with court, got offered "goodwill" of £200, turned it down, they upped offer to £597, declined it, filed with court, they acknowledged saying they intend to defend, 10 days later got a letter saying they were paying it all back.... roll on Christmas!