Reclaimed Bank Charges SUCCESS stories

Twinkly

amandajay wrote: »

Hi can someone tell me what i can claim back? can i claim any of the following? unpaid DD, account charge, O/Draft intrest, O/Draft excess fee, im just not sure

Thanks to Rex_Mundi for the excerpt from his post below:

List Of Charges We Can Reclaim
The following is a list of Bank charges that we can and cannot claim for. Different banks may have different names for the same type of charge, if you are unsure about a charge, just ask in the board. If anyone has different charges to add, please PM myself or Edinburghlass so we can add them.

CAN BE CLAIMED

Account misuse fee
Cheque return fee
Card misuse fee
Unarranged borrowing fee
Unauthorised overdraft fee
Unpaid DD fee
Unpaid cheque fee
Unpaid standing order fee
Late payment fee (credit cards, store cards, catalogues etc)
Exceeding Authorised Overdraft Limit
Exceeding Unauthorised Overdraft Limit
Direct Debit/Standing Order/Cheque returned fee
Irregular fee

CANNOT BE CLAIMED

Cash Machine Withdrawl Fees
Account Service Charges
Service Fee / Annual Fee
Charges related to foreign currency transactions and conversions.
Monthly account fees on certain type of accounts.

Hope that helps

Twinkly

wok_boy wrote: »

Can you claim back charges for unpaid Standing Orders?

Yes you can.

evab_2

:j Bank: First Direct
Amount claimed: £4430.52
Amount received: £4504.62

Just got home to find letter from their solicitors, they made no previous attempt to make an offer from the 2 letters so filed court claim.

Amount to be received includes court fee and interest.

We are now officially debt free and will have enough left over to have a nice but frugal holiday (haven't had one for 2 years) and put the rest towards another car as current one slowly disintergrating!


Many thanks for all the help and encouragement, you really change people's lives.

We are much more careful with our money, and don't plan to incur any more charges.

Thanks Eva:T :j

wok_boy

Twinkly wrote: »

Yes you can.

Thanks for that natwest just charged me £38 for an unpaid S/O that took me over my overdraft limit by £1 and they know I have a regular salary going in.

RedRob_3

Bank: Abbey
Amount Reclaimed: £9025
Amount they paid: £8350
The story:
Went all the way to filing a claim and them filing a defence but I rang them and told them I would accept a very good offer and they did.

smiler84089

Bank: Halifax
Amount Reclaimed: £638.00
Amount they paid: £638.00
The story: Went right to the wire with the small claims court (5 days left for them to enter a defence) and they transferred the money into my account:j

Overdraft paid off, goodbye Halifax forever and hello Alliance & Leicester 6% online current account:T

Thanks Martin :A

rabbie_2

Hello all,thanks to this site (and the greed and corruption of the bank system) I have decided to take up arms against them (well,the a&l at any rate)by my reckoning they have had £3257 off of me and thats a heavy wedge in anyones lingo,i've got the statements,totted it up,felt nauseous,asked for it back,been told "ye're stuffed mate!"and have just printed off the "may i have it back,or we go to court" bit in the last ten minutes,it'll go today,and to be honest....i'm kacking me drawers,however,i've got a drawer full of clean underpants so we'll have a go!
PS.....My intention is to pusrsue it throught the English Court system via a relatives postal address(I'm in Scotland) so we'll wait and see what transpires.......to all else in the process.....Best of British.

princessfayebaley

BANK-HALIFAX
AMOUNT CALIMED- £1639 £1952.15 INC INTEREST
AMOUNT RECEIVED- £1939

I have been waiting to post my success story and I amglad to say after a phone call from the Halifax this morning I can finally do it!
I posted my first letter on the 20th February and was due to start court proceedings this morning untill I received a phone call.
They have paid me a little more than they should have, my calim was for £1639 for 2 accounts and during negotiations I said I would not settle for less than the full of amount of £1639 unaware they were only on about one of my accounts! I then got a settlement of £300 on the other!
Just got to wait for the letter to sign thenthey will depositing the money straight into my bank account. My plans are to be extremely sensible and place it into an ISA so I don't get into the same situation again.
I would like to thank everyone here for all support and guidance. And I will still be a daily reader of the forum to read plenty more success stories xxxx

megscaits

Hi,

Could someone please clarify for me if I can make a claim on a co-op visa card. If so do I still use the template letter off this site.

Thanks in advance.

Jo

at_list

This is a little off the track, but the same idea.
I've just cancelled my car insurance, because the policy could not include my wife. They keep the remainder of my premium which was about 3month so a couple of hundred pounds and charged me a £50 administration charge for cancelling the policy. Can this be claimed back under the same legislation?

Thanks very much
Chris