Reclaimed Bank Charges SUCCESS stories

Elsie2_2

So, i've returned home today, having begun a small claim against Alliance and Leicester (expiry of small claim - 3rd April), and found a cheque for the full amount on my doorstep. :j
The letter accompanying the cheque is the usual, "this does not mean we do not stand by our charges as we still believe they are fair and transparent" blah, blah, blah.
They have said in the last paragraph, "as it seems i no longer agree with their terms and conditions, they will be in touch soon to discuss the future running of the account".
2 questions then:
1: What should i say if/when they phone me to discuss the accout. I have already moved my banking to another company and have only left enough funds in my A&L acct to keep it open, but don't wish to be bullied into closing the account.
2: They have asked for confirmation i am settling and accept their cheque, is there something specific i should put in my letter to them (maybe a template i haven't come across yet?).
Thanks everyone.

jayneg_2

My claim going through small claims and the bank really dragging their heels. If the bank have added further charges since putting in the claim - can these be claimed back and if so how?

Magicmark_3

Bank: Barclays
Amount Reclaimed: £245
Amount they paid: £235
The story: Requested copies of bank charges (received six years of bank statements free of charge). Sent first letter as per this site - within 3 weeks £235 put back into my account and a letter sent stating it was a goodwill gesture. Will let them off the other £10 and consider moving my account to the Alliance & Leceister which I set up in case there was trouble.

Thanks to everyone on the MSE site for their help.

Mark

maltababy

Bank:LLoyds
Amount reclaimed:£610
Amount they paid:£610

Started this whole process in Sept 06. Wrote the letters , worked out my charges, asked for them back with no joy. Started court proceedings (cost £80) and LLoyds put in a defence that my claim was 'embarassing'as they couldn't work out which accounts the claim reffered to or how I had got the total I was asking for! My response on the allocation questionnaire was that I found thier defence 'embarassing' as it was them who had sent me the list of charges and that I had simply added them together.....one week later, the full amount I was asking for, £610 was credited to my account.

My bravery was a result of reading the inspirational stories on this site and the Consumer Action Group - I've also just had £90+ refunded from the Cheltenham and Gloucester for my mortgage exit fee I paid a couple of years ago.

Thanks to all of you here, lets all encourage people we know to claim back this money which belongs to us and not these greedy institutions that make excess profits from their customers.

I've worked part time in at the Nationwide for a few years now and find it disgusting that it's usually the less educated and poorer customers (especially single mums - trapped by the farcical tax credit system of over and under payments) who have run up mountains of debt because of bank charges. I've now left the N/W and will start part time at the C.A.B. in a few weeks and hope that I can help get back some of those charges that the company I used to work for took off it's customers.:T

Maltababy.

Steve_T_2

I'm reviewing my paperwork and I see my particulars of claim state

Between the dates of 15/05/2001 and
25/08/2006 the Defendant applied numerous
default charges to the Claimants bank account

My maths isn't great but none of that is beyond six years is it ? (or am I wrong)

One of Barclkays defences is that some of my claim is time barred.

ukmonkey

No, its still within 6 years. 15/05/07 will be six years from the first date mentioned in your post.

£probs

Just starting out

Both my husband and myself have had loads of charges against us over the last 6 years and believe that we wouldn't have got into this situation if they hadn't have kept charging us all the time, hence the reason for starting the claims.

I would be very grateful if anyone could give me some advise on the following 2 points, thank-you.

1. Is it easier to deal with one persons charges, then the other or could I send seperate letters regarding each of us at the same time (obviously in seperate envelopes and with 2x £10 cheques)?

2. My husband is self-employed and therefore has a business account, can we also claim the charges from that too?

Thanking you in advance.

PS I'm sure I'll b asking more soon, but think this is enough to get the ball rolling.

jeepstar

First Direct
Amount claimed £1698 Letter sent.Stage 1
Reply within 14 days with offer of £1410
Good enough for me!!!!!!!

Thank you Martin

ampersand

£probs wrote: »

Just starting out

Both my husband and myself have had loads of charges against us over the last 6 years and believe that we wouldn't have got into this situation if they hadn't have kept charging us all the time, hence the reason for starting the claims.

I would be very grateful if anyone could give me some advise on the following 2 points, thank-you.

1. Is it easier to deal with one persons charges, then the other or could I send seperate letters regarding each of us at the same time (obviously in seperate envelopes and with 2x £10 cheques)?

2. My husband is self-employed and therefore has a business account, can we also claim the charges from that too?

Thanking you in advance.

PS I'm sure I'll b asking more soon, but think this is enough to get the ball rolling.

#######
I strongly advise ALL readers of this thread to also become part of the Consumer Action Group, to whom Martin gives the fullest credit in explaining how this all started.
SO MANY QUESTIONS REPEATEDLY ASKED HERE WOULD BE ANSWERED WITH REFERENCE TO THIS mser GROUP.
You'll receive all the sensible help and moral support you need - just ask - BUT PLEASE, PLEASE, PLEASE -WITH ALL THESE CLAIMS, DO YOUR HOMEWORK.

esmerellda

£probs wrote: »

Just starting out

Both my husband and myself have had loads of charges against us over the last 6 years and believe that we wouldn't have got into this situation if they hadn't have kept charging us all the time, hence the reason for starting the claims.

I would be very grateful if anyone could give me some advise on the following 2 points, thank-you.

1. Is it easier to deal with one persons charges, then the other or could I send seperate letters regarding each of us at the same time (obviously in seperate envelopes and with 2x £10 cheques)?
- easier probably not but necessary yes - keep the two claims seperate DPA / Prelim / LBA / Court Claim - unless the accounts are joint account with both names then yes do it seperately

2. My husband is self-employed and therefore has a business account, can we also claim the charges from that too? Yes he can - you need to amend the template letters slightly to account for the consumer regulations not covering business accounts...not sure if theres any instruction on this on MSE, but as turtle said, there a fair bit of business claiming advice over on CAG.

Thanking you in advance.

PS I'm sure I'll b asking more soon, but think this is enough to get the ball rolling.

. Good luck xx