Reclaimed Bank Charges SUCCESS stories

tfalconer

I had been reading all the press reports and information about this site for a number of weeks. I decided to take a chance and write to First Direct regarding overdraft charges. I used the template letter from your site and within 10days had a reply. They offered to refund over £1000 in full and final settlement which I accepted.

I doubt if this would have been so easy if it had not been for your excellent campaign and advice. You have encouraged people who would have otherwise been too intimated by the 'fat cats'.

Many thanks,

TF.

mlberry

I am trying to claim back bank charges for the last 6 years. I have used Martin's template letter and the bank have replied saying that the charges which were applied to my account were not "default" charges. As a result they say we are not entitled to a refund of charges.

Can anybody help and explain what this means

thanks

esmerellda

they often say this, and more recent ones will be cunningly (NOT) disguised as arrangement fees.... type out a couple of the titles of the charges you are claiming just to double check but really I'd get on with the next letter

wee_shinnie

Hi

I'm in the process of claiming bank charges for my boyfriend and myself from Barclays.

I sent the letter asking for the charges plus interest back a week ago and recieved a letter from them saying they are sorry to hear we have a complaint, and that they will respond fully by the 10th April, this is longer than the 14 days I have requested in the letter. What should I do? Hold on till the 10th April or write to them saying that this is not acceptable?

Help:j

esmerellda

send your second letter on the 15th day after you sent your first

stick to YOUR timetable

smallpiper

wee_shinnie wrote: »

Hi

I'm in the process of claiming bank charges for my boyfriend and myself from Barclays.

I sent the letter asking for the charges plus interest back a week ago and recieved a letter from them saying they are sorry to hear we have a complaint, and that they will respond fully by the 10th April, this is longer than the 14 days I have requested in the letter. What should I do? Hold on till the 10th April or write to them saying that this is not acceptable?

Help:j

Send your second letter again giving 14 days notice. If they do not respond by the 10th of april, or do not respond in a satisfactory manner, you will be on target to issue court proceedings.

mlberry

Thanks for the reply. The bank charges are listed on the statements as "overdraft excess fee." Are these the charges I can claim back?

esmerellda

Yes overdraft excess fee, referral fee etc. theres a list somewhere

esmerellda

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

feedering

Quote by EL

Yes people have been successful with these cards and don't be fobbed off with the company saying these charges are now reduced and can't be claimed.

So you agree that any OFT report will make no difference, yet this site states that the banks may change their tactics after the OFT report.
So please explain how the OFT credit card report differs from the OFT bank report.
Also what will be the new tactic the bank will try, I would be most surprised to learn they will have differnt tactics to offset the OFT report considering that most Credit cards are owned by banks.