Reclaimed Bank Charges SUCCESS stories

paul1e

mingra6 wrote:

I am going through the process of reclaiming back charges from Lloyds TSB The bank have sent a counter claim stating 'The particulars do not comply with rule 16.4(a) of the civil proceedures rules as (amongst other things) I do not identify the account in question or how the sum in question is arrived at. In all my correspondance with the bank I have stated the accounts in question but have lumped all the charges together totalling £4313.07. Is this the bank trying to put the frighteners on me through the courts or have I done this incorrectly. Has anyone else had this experience....HELP!!

Hi Mingra6,

I think you'll find that you should list each charge individually along the lines of charge description, date, amount of charge, interest(if claiming) and total amount (charge plus interest) on either a spreadsheet on using the calculator in the reclaim charges item..

Even if you have two or three charges on the same day must be listed individually......

bloomfieldbird

Natwest
Relaimed:£2491
Offered:£2491

Sent the first letter dated 16th feb requesting £2491 without interest.Recieved offer letter today for the full amount.Took just under 3 weeks.:beer:

HSBC
Reclaimed:£2314
offered:£2088

this took 5 weeks from start to finish.sent email on 14th December recieved an acknowledgement on the 22nd december,and my offer letter on the 16th January...was in my account 5 days later!


Would like to thank Edinburghlass,Rex and of course Martin....i wouldn't have dared do this without your guidance:T

jimfarm

Hi
Amount claimed £750 plus interest - bank paid £620 - after just one letter (thanks for the template and calculator):beer: - happy with that result.

paul1e

celticlassie wrote:

today saying that under FSA rules they have 8 weeks to deal with my complaint. I don't want to wait 8 weeks and then get fobbed off again. What should I do? - send another letter demanding a settlement or I'll take court action? - or it that likely to be met with an 8 week reply letter also?

You don't say what letters you have sent, but stick to your timescales, 1st letter giving 14 days then 2nd giving another 7 days then file on mcol. this is not a complaint you are just requesting the return of monies you consider unlawfully removed from you account...

Katie_Pink

I just got back £84 from A+L!!!

I only sent my letter on Monday and it was put straight into my account today!! Wooooo Hooooo

It's gone straight into the ISA, now I just have to wait for the Halifax.

louloujs

STICKY_FINGERS wrote:

Hi i am new to this so will have to bear with me ,i am thinking about claiming penalty charges from the halifax but keep putting it off ,has anyone had bad experience with this bank ,i do not want them closing my account .

Sticky - i claimed - and won a lot from Halifax group - they did not ask me to close my account. If you read the thread on Halifax/HBOS claims (do a search in the Forum) I don't think you'll find a single customer that has yet been asked to close their account. However, I did open a Lloyds TSB account online to use just in case and Martin does advise opening a parachute account just in case...

Go for it - Halifax ARE paying out a lot...

Lou

bevrmn

ROYAL BANK OF SCOTLAND
RECLAIMED £1,214
SETTLEMENT - £1,214 (FULL AMOUNT CLAIMED)

FULL SETTLEMENT OFFERED WITHIN ONE WEEK OF MY CLAIM GOING IN !

HOWEVER, NOTICED STILL CHARGING DEFAULT CHARGES, WILL WAIT FOR THE MONEY TO INTO MY ACCOUNT , THEN WILL CLAIM LAST 3 MONTHS CHRGES BACK !

TIP; DO NOT BE AFRAID !!:

:j :j

tcmp

Hi there,

Bank: Halifax
Amount claimed: £278.80 (including interest)
Amount received: £278.80
Time taken: Just over 2 weeks
Letters written: 2

Although this amount might seem small, I have only had this account for 2 years, and was incensed when I was recently charged £120 for going overdrawn with three tiny transactions of less than £10 each. I have a mortgage with HBOS group, so was pretty sure they wouldn't be cavalier enough to close my account.

I sent the first letter to my local branch in Banstead, Surrey, and received an immediate reply (as you said I would) saying that they couldn't refund, and it was only fair that us naughty overdrawn people bore the costs etc. It was also a little bit confusing, as despite saying this, the local bank manager also said they were referring the complaint on to their central customer service department. 14 days after the first, I sent the second letter threatening legal action, and received a letter offering the full refund 2 days later.

Top tip - send the letters recorded delivery so they know you mean business, even if you go into the bank every day. Then there can be no doubt that they've received them.

Needless to say, I am absolutely delighted. Thank you Money Saving Expert!

conbon0

I claimed £1194 (£1000 charges and £94 interest)

Have had a letter this morning offering £854.00. However I want the whole £1000 as an extra £150 would come in useful. Do I ring them and tell them I want it all or do I have to send another letter. I am quite desperate for the money so the quickest option would be great

paul1e

conbon0 wrote:

I claimed £1194 (£1000 charges and £94 interest)

Have had a letter this morning offering £854.00. However I want the whole £1000 as an extra £150 would come in useful. Do I ring them and tell them I want it all or do I have to send another letter. I am quite desperate for the money so the quickest option would be great

Try giving them a ring say that you are prepared to forget the interest if they up the offer to 1000... As Martin say's in his video it's a negotiation in the end...