Reclaimed Bank Charges SUCCESS stories

hammers81uk

Help,

How do i reclaim unfair charges on my Natwest Credit Card? Do i send the same letter to the address i send the bank account letter to? As iv done this but got no reply about the credit card but got my bank statements back for the bank account? Anyone help with this at all? Where should i send the letter to if somewhere different?

Thanks:beer:

ash169

Help I Have Gone Ahead With The Court Orded On Money Claim Website Its Asking Me To Give Details Of Interest And Its Really Confusing Me Can Any 1 Put This In Simple Terms As I Feel Like I Am Banging My Head Against A Brick Wall I Used Martins Interest Calculator To Get My Interest So How Do I Write That In The Bit Ware You Have To Give Explination About It? Please Help

Jakkipots

Bank: Halifax
Claimed: £876.00
Offered: £876.00:j


Thank you so much for running this site, I wrote to th eHalifax at the end of January 2007 they wrote back saying they are considering my complaint. I recieved two further stalling letters but have today been informed they are paying back all charges... £876.00.... Fantastic thank you :j

indiasmum

Bank:Natwest
Claimed: £3927.34 (inc court costs + interest)
Recieved: £3927.34

Thanks to everyone ,followed the advice and the template letters, applied to mcol , won judgement by default after no acknowlegement of service, called natwest legal dept. recieved a cheque a day later

Twinkly

jarman808 wrote: »

I have loads of £10 charges from a few years back when my account was a student account. I also have more resent charges ranging from 12.50 to £50. Is it worth including the £10 charges in the claim?

Any help appreciated

Thanks

Ben

You need to check what each charge is actually for to ascertain if you can claim for it.

The following is a list of charges you can and cant claim for. Thanks to Rex_Mundi for the original post.

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
Paid refferal fee
Total charges (HSBC personal accounts only, not business accounts)

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.
Normal overdraft interest charges

Your bank may have different names for different charges so its worth checking with them exactly what your charges are if not named as above.

hope that helps

steviebee_2

can anyone tell me how to go to the online claim stage with RBS?? thanks

rachelshopper

Halifax don't seem to be playing ball. Took them 8 weeks to get back to me (for my partner's account) - after being 'clever' and sending a letter stating they were looking at the case within the required 14 days. Have now offered £344 on a reclaim of £598 (inc interest). Given us 14 days to get back to them (by phone - not letter) if do not wish to accept this. Has anyone else obtained the fully amount from the Halifax?
Additionally, they also stated that they did not have to refund the credit card charges which I refuted and it took them 6 weeks to send copy credit card statements. I am putting a claim in plus interest today for these charges.

Edinburghlass_2

steviebee wrote: »

can anyone tell me how to go to the online claim stage with RBS?? thanks

If you live in England and Wales you start here provided you have sent the bank the letter telling them you are taking court action.

https://www.moneyclaim.gov.uk/csmco2/index.jsp

Edinburghlass_2

ash169 wrote: »

Help I Have Gone Ahead With The Court Orded On Money Claim Website Its Asking Me To Give Details Of Interest And Its Really Confusing Me Can Any 1 Put This In Simple Terms As I Feel Like I Am Banging My Head Against A Brick Wall I Used Martins Interest Calculator To Get My Interest So How Do I Write That In The Bit Ware You Have To Give Explination About It? Please Help

Have a read of the MCOL thread here..

http://forums.moneysavingexpert.com/showthread.html?t=353590

and the MCOL FAQ

http://www.hmcourts-service.gov.uk/cms/1051.htm

Edinburghlass_2

hammers81uk wrote: »

Help,

How do i reclaim unfair charges on my Natwest Credit Card? Do i send the same letter to the address i send the bank account letter to? As iv done this but got no reply about the credit card but got my bank statements back for the bank account? Anyone help with this at all? Where should i send the letter to if somewhere different?

Thanks:beer:

Have you phoned the bank to find out if they will be sending out the cc statements as well as that is your first port of call.