Reclaimed Bank Charges SUCCESS stories

WONDERMUM_3

MSE_Martin wrote: »

This thread is especially to report your successes taking on the banks to reclaim unfair charges.

The aim is to show others that it is possible and it works.

Please report your successes here, if possible in the format

Bank:
Amount Reclaimed:
Amount they paid:
The story:
(just a few sentences, please include how far you went did you a. just write a letter, b. threaten to go to court or c. actually go to court )

• Read the article
  How to Reclaim Unfair Bank Charges

• Discuss the issues
  Discussion on reclaiming charges
  Discuss the impact on bankings future

Please don't use this thread for general discussion on reclaiming bank charges.

Barclays Bank
Claimed £420
Received £335

halifax Credit Card
Claimed 550
Received 480

halifax Bank
Claimed £1680
Received £1665
had to issue Court Summons, paid up after two weeks, said it would cost them more to attend court.

sam_L_3

Claimed £3,000 from Barclays
Amount given £2250.00

I am happy with that! Used MSE template letters- thank you v v much.

Sam L

Awaiting reply from LLOYDS TSB £2880.00 and Alliance and Leicester for £880.00

paulinesul

Hooray - just had £2094 refunded by Halifax.
I sent the letter about 6 weeks ago on behalf of my son and hadn't expected it to be this easy. They refunded the whole amount we reclaimed and, as a result, he is no longer overdrawn.
I'm now going to have a go at his closed RBS Acccount for charges going back six years.
Thanks for the advice

allyackles

Bank: Lloyds TSB
Amount Reclaimed: £330.00
Amount they paid: £330.00
The story: I wrote one letter, using a template from this website. I received a reply within 14 days, stating they were going to repay the charges in full. Two days later my bank account was credited with the full amount.

I want to say a massive thanks to Martin for the advice on this site.

suzybabe_2

Bank: Nationwide
Amount claimed: 6,256.04 :eek:
Amount repaid: 5,679.06

Got as far as the Moneyclaim stage - they entered a defence but paid up before the date! Not going to worry about the difference between what was claimed and what was paid - just so pleased to have received this amount! Many thanks to Moneysaving Expert team - you gave us the courage (and the templates) to give it a go.:T

Brighton-Knight

Bank: American Express
Amount Reclaimed: £1423.56
Amount they paid: £1423.56
The story: Having received standard replies to letter 3, I issued county court proceedings to which they stated that they would defend the matter. However, the following day I received a phone call and they stated they wanted to settle and agreed to pay the total amount of my claim. Hurrah!!!

Damo_T_2

Bank: Halifax PLC

Amount Reclaimed: £2,840
Amount they paid: £2,240

The story: Sent the first letter requesting a refund on my charges. They wrote back withing the 14 days saying they would look into my complaint. Received that response this morning saying they will pay £2,240. Only took one letter, no threats, just a simple request. Taken about 3 weeks for them to agree and sort it out with no hassle at my end so I'm OK with that. Well done Martin for his advice!!!

Strangely_Brown

Bank: HSBC
Amount reclaimed: £4,969.90
Amount they paid: £4,849.84 (Inc court costs and Interest)

Had to follow the full process which took about 3 months, however they settled at the last minute just after filing their AQ. I made a slight mistake and duplicated one of the charges so agreed to settle for a lesser amount - hence the lower amount.

Just waiting for the cheque now

daveczyzewicz

:beer: I have recently had all my charges paid back into my account as well as the court fee, :j a grand total of £844. Thank you Halifax. A warning shot came back though, if I incur any more charges they may withdraw my banking facilities. Its a good job I took the advice of opening the parachute account:p . My next project is to reclaim all my wifes unfair charges:p . Wish me luck;)

steveF_3

Barclays
Amount claimed £1800
Amount paid £1400
After posting the first letter they wrote and asked if i would take £1400 as a good will gesture. I said yes so i may have lost £400 but i have gained £1400 Thanks to money saving expert website.