Reclaimed Bank Charges SUCCESS stories

sttuartty

Hi People,

Reading alot of the comments it seems Halifax are the biggest culprits in this i had a claim with RBS and the full thing was resolved in 5 weeks with full payment, anyway i need answers to a few questions please

1. What is MCOL ?
2. How do i start a court claim from scotland online
3. I am still awaiting missing 2 years of statements and its way past the 40 days and everytime i try to contact information commisioner its always engaged. I advised the Halifax i was going to do this and they said that was up to me.

I know i have been advised on the missing statements before but i need to know how much it is before raising a court claim.

How quickly will the Information Commisioner be if i raise a complaint as the Halifax has already raised my complaint even though i am missing 2 years of statements and the 8 weeks runs out on the 16th April.


Any help with the above

Twinkly

metroarea wrote: »

Hi All,

I wrote to Lloyds TSB a month ago using the template letter on this site to request a list of all charges made on my account in the last 6 years.

They have written back to me enclosing the charges from Jan 1st 2002 and in the letter they say "please find attached a list of charges from September 2001 or the date you opened your account, whichever is sooner. You may now wish to proceed with your claim against these charges but if you feel you need further statements this will take us longer to go into our archived data".

Obviously 6 years ago from when I wrote would be March 2001 so I am effectively missing a years worth of charges which I think could be fairly substantial.

As this was a request under the data protection act and they have effectively failed to uphold that request properly, is there any way I can get the list of charges covering 2001 quickly rather than waiting another 40 days?

Also I'm a bit confused about the interest I can add on to the charges. I'm not expecting them to pay me interest but want to claim for it anyway. Do I charge them interest on every charge over 6 years (using the calculator on here) or do I only charge them interest on any charges that actually put me overdrawn?

By the way - Lloyds also include all standard overdraft interest incurred on the list of charges. I know you are not allowed to charge them for this so it may be they do this in the hope that you will ask for it back and they can stall the process further by writing back to you again to tell you.

Any help would be much appreciated.

Cheers

Dave

Older details are archived on microfiche and they must represent it for you in comprehensive and readable form. The ICO has said this is a relevant filing system for the purposes of supplying details under the Data Protection Act so you are within your rights to ask for this to be sent within the original 40 day time period. Any extension of this is at your own discretion and subject to complaint to the ICO if they delay deliberately.

To clarify the interest issue a little. You can claim 8% statutory interest on each charge, in overdraft or not, and use the calculator in the main article to work this out.

You cannot claim interest on an overdraft where the overdraft was incurred by you. You can if the overdraft was incurred by their charge and consists wholly of spiralled charges.

The difficulty is that where their charge takes you into overdraft but you also continue to draw on the overdraft. Then you are both responsible for the interest. The relevant interest that you can claim under these circumstances would be so difficult to work out that frankly I wouldnt bother.

Bit complicated, hope that helped and good luck

shoe_2

shelsbels wrote: »

can anybody please advise?
i sent my letter off to halifax on 16th march via recorded delivery asking for bank charges back,ive checked on royal mail to see if its been delivered and it still hasnt????
what do i do next? send 2nd letter 30th march? and where to? i sent 1st letter to data protection manager trinity rd halifax
any advise would be appreciated
shelley

Hi Shelly if it helps i have always sent mine to the branch and one to the customer care team like you ...id hand the next one in by hand or recorded del...
good luck the Halifax had my 1st letter last week requesting charges so we shall see.xxx:mad:

cloth_ears_2

Sorry folks next question.....
I am about to send LBA but as I have now accepted partial payment not sure about how to list the charges and interest as part of the original amount has now been paid. Also what about updating the interest? Should I just not send list of charges this time as they were sent this with my original letter and work things out accurately if it gets to court claim stage?

cloth_ears_2

in general when sending LBA should you send list of charges with interest updated to date or just a copy of what you sent with first letter to reclaim

Garrick_2

Taffyfella wrote: »

Hi Garrick,

I'm in the process of taking Lloyds to court for £1700 worth of charges. I filed MCOL (Money cliam online) on Wednesday, so I will keep you posted of the outcome.

The charge type you can claim is O/DRAFT EXCESS FEE & UNPAID D/D.
You can NOT claim O/D INTEREST, however you can claim statutory interest at 8% which the court will award if you get that far.

Hope that's useful

Cheers

Taff

Thanks for that, i have always felt that Lloydstsb were not to bad with the charges compared with the Clydesdale, the charges i incurred with them were horrendous but unfortunately that was over ten years ago so have lost that one, another question i have is do you send the letter to the local branch or to the head office of the bank and do you go for the interest or just settle for the actual amount.

Thanks in advance IB

megscaits

megscaits wrote: »

Can anyone tell me if I have messed up with my claim. I have just submitted my court papers with Money Claim but I have put a different amount in the particulars of claim to the amount I am actually claiming. I have added charges for this month on the total amount but not in the particulars. Will I get the chance to change this.

[can anyone please help me with this as I am starting to panic now

Thanxs:o [/B]

COPPERHEADJACK_2

Hi I am not quite sure how to go about claiming all the charges from my bank the halifax from the past 6 years I know that there are some but I don't know what i can claim and how much of them i can claim.
I lost my business in 2004 and had a halifax bank account halifax credit card and also a barclaycard. in 2 years I recokon I had £2000 pounds of charges maybe more from the halifax credit card and in 3 years I have had £1000 from the barcalycard I stopped using my halifax bank account because even though I have an arrangement to pay my credit card off at £40 a month everytime I get any money in the account they take it to clear my credit card off.
I haven't got a clue on what charges i have paid on my account but could really use some help on what i can claim. I think I have all my bank statement from when i opened my account but don't have any of my credit card statements. how do I go about getting them.

Gemmadm

Bank = Barclays Bank
Amount Claimed = £585
Amount Received = £470 (80%):j

Only started this at the end of January when I sent off for statements and sent 1st letter requesting money about 4 weeks ago. Just looked at my bank account online this morning and found £470 saying "Goodwill Gesture" next to it. Wasn't expecting so much so soon being Barclays as i've heard they are tough! Really pleased as I was expecting £200 ish and would have accepted that as I really need the money!
Thanks to everyone on this site and for all the great info and advice.
Gemxx

Mandy1980_2

Mandy1980 wrote: »

Hi

I hope someone can help.

I requested my boyfriends statements which he received. Sent a letter on the 12th March requested £1442.53 charges back and the following day checked his latest statement and saw he had a further £176.00 worth of charges, again i sent a letter requesting charges back on the 13th March.

He has received a response on 21 March offering £176.00 as long as he signs a statement saying he is happy and the matter would now be closed, but has received no response on the orginal letter dated 12 March for the bigger sum be claimed back. If he signs this statement will he then not be entitled to the £1442 back? Or can he accept as part settlement but the other be chased? If so is there a standard letter on the templates saying that he will accept as part settlement?

I think RBS are being very sly with this and i dont want to mess it up!!!!

Thanks in advance. . . .

Anyone that can help???