Reclaimed Bank Charges SUCCESS stories

Twinkly

sammyx wrote: »

capital one claimed £248 no interest got letter today saying they are right to charge fees blah blah blah?>?have offered me £96 saying thats the difference from £20 to £12 =£8 only paying the £8 difference what do u think???? should i fight on cheers

£96 is a lot less than £248, personally I would fight on, good luck

joe1965

Bank: Bradford & Bingley
Amount Reclaimed: £84.13
Amount they paid: £84.13
The story: Posted first letter on 28/02/07, got statements within three days and sent second letter the same day. Got an offer of £40.00 and sent a letter refusing it. Got home today to find a letter saying they will pay me the full amount.
May not be a great amount but it was my first. Just Barclays and Studio to go!!

Twinkly

sandra_uk wrote: »

I ppened a new account with halifax but did not close my other account so i just put 100 pounds in .Told my work my new bank details Went to the machine in my village to get a balance as my wadges went in on thursday .When i looked my wadges had not gone in and i wrote my hubbie a cheque for 500 pounds ,so it as bounced reseved a letter to day to say they are charging me 39 pounds can they do that.I also phoned my wadges office as it is their falt for not doing my change of bank details they said they must have got lost in the post what as set of a----soles they are so through no falt of mine i have got charged my hubbie as gone mad as we have never been in this position before.He as told me to close the account down any info please sandi

I would ring the bank initially and explain the situation. I have an account with halifax and sometimes they will refund a charge like this as a 'one off' especially where a third party is involved in the error. I've only had to do this once. If they refund I see no reason to close the account but I would give the wages department a swift kick to get their act together

Edinburghlass_2

suzipatch wrote: »

My bank currently charges me for all transactions including using my debit card to purchase items, using ATMs for my own bank and others, each DD payment and Cheque payments, there is also an account maintence fee, these are not overdraft charges or fines but they amount to aprox £30.00 per quarter depending on usage, can i claim back any of these charges.???

Which bank is this? Is this a business account that they charge you for DD and cheque payments?

Twinkly

Hamish26 wrote: »

I've sent my 2nd letter off to HSBC asking for my £3000 back.

I'm just wondering what i should do if it gets to the 'threatening court action' stage? I stay in Scotland but my branch is based in England. How does it work in Scotland if the small claims court only allows you to claim up to £750??

Have a read of this thread it may have an answer for you:

http://forums.moneysavingexpert.com/showthread.html?t=308885

and good luck

Susub28

Bank: Halifax
Amount reclaimed: £677
Amount repaid: £677
Im new to this, so hi everyone!

I thot id share my story of successfully reclaiming bank charges with the Halifax.

It started in Jan of this year, where i was recommended the site by a friend and saw the article on claiming charges back.

I sent the £10 cheque for the past 6 years statements, got them in 2 packages. when they landed on the door mat, i thot a bomb had gone off they were sooo heavy! I sent the 1st letter around 2 weeks later, about mid-jan. I got a reply, offering £300 of a £677 total of charges. I rejected it. I then sent them the 2nd letter, saying if they did not reply within 7 days id take them to court. Didnt get a reply and forgot to follow it up..... (must have got carried away with life or summit)

I remembered about 3 wks later, and this time i sent my branch and head office the same letter but with recorded delivery.

On the 7th day, which was yday i got a phonecall from the bank offering £600. i said i was looking for £677 sand they agreed!!!

Waiting on the payment just now. cant wait, im soo happy!!!

( the bank did send a letter saying if i did not manage my account properly in future, they may consider closing it...)

In the past i hav managed to get charges refunded, altho not all of them. I usually wrote a letter to the manager, informing him of my dire financial status, and they wud be refunded.

Remember, if u dont ask, u dont get!

Steve_T_2

MCOL have now sent me a copy of Barclays defence and a court form to fill in. It'll be my local county court.

Just some first impressions at this stage - I'll have to read it all more carefully a few times.

1) looks like I have to pay a further £100 for the privelage of going to court
2) This site (MSE) seems low on resources, help or suggestions for people who have got to this stage
3) Much of Barclays defence is guff about I agreed to pay these charges from the get go
4) They say no particulars of charges were submitted - what guff a) MCOL offeres no space to include such particulars b) I sent this to Barclays with my original letters which they ignored.
5) They dispute that the charges constitute an unlawful penalty - surely they're trying to dispute established fact and precedent here?
6) They claim that some charges fall outside 6 years counting back from Feb 2007 but I originally asked for repayment by letter (which they ignored) in December 2006

Any comments and advice would be appreciated.

nickmack

Steve_T wrote: »

1) looks like I have to pay a further £100 for the privelage of going to court

Yes, you should get this back if you win.

2) This site (MSE) seems low on resources, help or suggestions for people who have got to this stage

The Reclaim Help Thread in my signature should have the info you need.

3) Much of Barclays defence is guff about I agreed to pay these charges from the get go
4) They say no particulars of charges were submitted - what guff a) MCOL offeres no space to include such particulars b) I sent this to Barclays with my original letters which they ignored.
5) They dispute that the charges constitute an unlawful penalty - surely they're trying to dispute established fact and precedent here?
6) They claim that some charges fall outside 6 years counting back from Feb 2007 but I originally asked for repayment by letter (which they ignored) in December 2006

Wouldn't worry too much about what Barclays say, most of it is scare tactics.

Steve_T_2

nickmack wrote: »

Yes, you should get this back if you win.

Sure but it !!!!es me off since Barclays are the ones taking it to this stage and at the very last moment too. If the stakes were higher they could win by forcing an escalation of costs

nickmack wrote: »

The Reclaim Help Thread in my signature should have the info you need.
.

Thanks but I've read all that and followed it too. However it gets a bit thin once we get to the court stage - seems to assume this will not happen. [EDIT] sorry - the second time I clicked this it took me somewhwere else I'd not seen, I'll follow tis up

nickmack wrote: »

Wouldn't worry too much about what Barclays say, most of it is scare tactics.

Well they've failed in my case because I'm not scared. Nor am I impressed. Their defence seems to be a fairly juvenile piece of writing.

Steve_T_2

Having reached County court stage with Barclays I'm preparing my documents.

nickmack wrote: »

The Reclaim Help Thread in my signature should have the info you need.

Have checked this
post #8 in http://forums.moneysavingexpert.com/showthread.html?t=400981 reccomends a stock phrase for "G other details"

Should I not also add to that stock phrase information to refute soem of the counterclaims in Barclays defence document

1) That they ignored my earlier letters
2)That when I asked for my money back it was ALL within 6 years - only their intransigence has taken some of it beyond 6 years FROM THE DATE I TOO COURT ACTION
3) They claim no particulars of charges have been supplied - I sent tghese with my original letters. AT WHAT STAGE SHOULD I PROVIDE THESE PARTICULARS TO THE COURT?