Reclaimed Bank Charges SUCCESS stories

Witness

Amex have just offered to settle my claim in full, i.e., Charges + Interest + Court Costs
I’ve been a Gold Card holder since 1999
The whole process played exactly to script, just a summary here, if you’ve spent time reading these forums you know the contents of these letters……

5th March – applied for copy of statements inc £10.00 cheque.
19th March – Statements received & £10.00 returned (goodwill gesture).
20th March – First letter requesting £436 plus £67 Interest.
21st March – Amex reply - Investigating complaint & will respond within 28 days.
27th March – Amex reply – charges are fair & reasonable etc etc etc.
29th March – Letter Before Action.
30th March – Amex acknowledged LBA, complaint escalated & will investigate further.
16th April – no response from Amex, claim issued through MCOL £80.00 costs.
18th April – Amex acknowledge claim & intend to defend.
1st May – Amex offer £366.43 (difference between pre and post 1st July 2006 charges £244.00, Interest £42.43 and Court Costs.)
6th May – Politely but firmly refused offer.
8th May – Telephone call from Amex, I was out so couldn’t call back.
9th May – Letter offering full refund £436 + £67 Interest and £80 Court Costs, usual BS, no admission of liability, charges are fair, avoiding unnecessary use of court time and legal expense.

Easiest £500 I’ve ever made, stick to the process and timetable set out on this and many other websites & wait for the money to come in.

Hope this helps others in their fight against Amex

4l4n69

:j

Bank: Halifax Plc
Amount claimed: £2474.87 (incl. interest)
Amount received: £2474.87
Hi Martin and all interested parties,
My Wife and I have successfully reclaimed all our bank charges plus interest for the past six years. We achieved this by simply following your instructions and using your sample letters (on this site) as guide lines.
We got as far as starting court proceedings, with 8 days to go to defend the claim our bank (Halifax Plc) reimbersed into our account the full amount (£2474.87 incl. interest) we claimed.
Without admission, they said to defend the claim would cost them money of which they were unlikely to recover (even if they win) also because the claim would probably be allocated to the small claims track, in which costs are not generally awarded.
My Wife and I would like to say a big THANK YOU to a wonderful site.
Best regards, Mr. & Mrs A. Burton :T

lunarlen

Lloyds Bank

Amount claimed £398

Amount repaid £459

Lloyds reponded to my initial template letter and refused to pay. I then followedd be up with the second and threatened to tae it to court and they failed to reply.

I filed a claim online and had to pay £50 to do so. The day that they were served with the notice they sent a letter and repaid in full with interest.
Be persistant!

Thank you Martin you should be sainted.

Smileynially

Bank - Barclays
Amount claimed £300
Amount paid £300

I sent the first template letter, got a response to say they were investigating then a letter a week later saying that they have credited my account £300 although they disagree with my suggestion of over-charging and they do-not accept liability.

Many thanks Martin.

helpme43

Bank: Bank of Scotland
Amount claimed: £375 + 8% interest of £31.86 +court fee of £50
Amount paid: £375 + court fee of £50

Story - prelim letter 17/3/07
LBA - 5/4/07
Filed MCOL 4/5/07 - not yet acknowledged
Received 2 letters:
26/4/07 - holding letter - will reply by 10/5
Today letter dated 10/5 offering £345 as a good will gesture - this was the amount of my original claim - but I have incurred another charge of £30 in the meantime and so I added this on to the figure claimed at court. They offered the £375 + refund of the court fee - I did not stick out for the interest, as, on this one it is so small (£31.86).
Amount will be credited to my account - but I could have had a cheque if I had wanted. I am happy to credit this to the account as this has an overdrawn balance on it, which I am gradually clearing and this amount will help me with that.
Will keep court claim going till the money credited - £50 to be credited today and the other £375 on receipt of my acceptance form. They also allowed me to amend the accetance form, as it said I accepted the payment for all my HBOS accounts - and I pointed out that I had another claim ongoing for another account.

Have now reclaimed £820 in total on 3 claims!!

Thanks you to everyone on this site for all their help esp Edinburghlass and also to the CAG site for help too.

elaine26

RBS
£4052.00
£4052.00
I GOT MY CHEQUE THROUGH 2 DAYS AGO FOR THE FULL AMOUNT AFTER COBBETTS SENT ME THE BANKS DEFENCE AND THE REQUEST FOR MORE INFO WHICH WAS A LITTLE SCARY. MY COURT DATE WAS SET FOR 31/07/07. WAS A COMLETE SHOCK TO GET A CHEQUE THROUGH THE POST. I STILL GET TO KEEP ALL OF MY ACCOUNT FACILITIES WHICH I DIDN'T EXPECT. RBS SAID THEY BELIEVED THAT THEY WOULD WIN IN COURT BUT DIDN'T WANT TO RACK UP THE LEGAL EXPENSES AND THE CARGES WILL STILL BE APPLIED TO MY ACCOUNT IN THE FUTURE! IF I DON'T LIKE IT I SHOULD BANK ELSEWHERE.
:beer:
[*]Read the article
How to Reclaim Unfair Bank Charges[/LIST]

• 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.

[/QUOTE]

gab55

Bank: Lloyds Tsb
Amount Claimed: 2100.00
settled: 2100.00

Took a long time but won in the end. Initially requested statements in Nov 2006, eventually received a letter from their solicitors yesterday offering full amount!!!.
Now just waiting on my husbands claim with Lloyds, filed at the same time so fingers crossed.

mikkorev_2

Amount Claimed: £ 5860.
Received: £ 5860.

Wrote first letter, heard nothing, wrote again asking them to address charges,
heard nothing, just about to send 'legal' and received long blurby letter with guide to charges etc, feared usual stalling except top of page 2 they agreed to repay full amount as gesture of goodwill.

This is a sole trader account.

Thanks to Martin and here is the reason to keep going!

sarah.so_2

Bank: Natwest
Amount Reclaimed:3495.00 + interest
Amount they paid:3495.00
The story: Hi thanks to your site i wrote two letters got a reply within 20 days and an offer of £3495.00!
decided against taking it further for the interest as i was really strugling for money! next stop credit card charges! keep up the good work!

pigsmightfly

Finally received full payment of £774 (including interest and court fee)

The paid up the day before I was due to requested judgement by default!