Reclaimed Bank Charges SUCCESS stories

AMBERKEL2006

BANK CLAIMED : HALIFAX
AMOUNT RECLAIMED:£2334.31 inc interest
AMOUNT PAID; £1867 charges minus interest
THE STORY:

16TH March 2007 - Sent 1st Letter requesting money back
27th March 2007 - Recd letter saying 8 weeks to reply blah blah
28TH March 2007 - Sent Letter 2 demanding money back or court
9TH April = Letter saying will receive a response before 16th May
9TH May - Recd letter saying my complaint wasnt valid and charges stand wouldnt pay me anything :mad:
10th May - Rang number on letter told them fair enough will take them to court
15th May - was going to file claim on line but that morning recd letter offering me a measly £958, rang number and said no way would i accept that would sooner take them to court and get whole lot back, lady on phone very nice said she would be willing to negotiate on phone, told her minimum i would accept would be the actual charges back which is £1876 she agreed straight away .
Checked my bank last night and they have paid the £958 into my account so waiting on rest of money to go in now fingers crossed or i will be filing that claim.
MANY THANKS TO EVERYONE ON THIS SITE AS IF IT WASNT FOR YOU I WOULDNT HAVE THE GUTS TO DO IT! THANKS:T

dandydaisy

Bank:First Direct
Amount Reclaimed:£3002 (no Interest)
Amount they paid:£2849
The story:
Easy peasy - sent for Statements on 15/4/06 with £10 cheque, letter from FD on 28/04 enclosing my cheque and saying service free, received Statements via DHL 11/5/07. Immediately sent off letter reclaiming charges by Recorded Delivery on 14/5/07. Received letter 16/05 for £2550. I emailed to reject offer and have received a letter this morning (18/05) offering £2849. FANSTASTIC!!!!

Thanks Martiin and everyone on this site for giving me the courage to fight back.:beer: :T

checkedshirt

HI

Bank: Natwest
Claimed:£954

Successfully obtained £911

Further Claim for £613 awaited for further charges incurred whilst claim ongoing. Didn't have to proceed to money claim online.

No threat of account closure.

Whole process took just over 10 weeks

flor04

Bank - Beneficial Bank - Credit Cards
Two amounts claimed for £1234.11 and 932.17.

Received today offers for full amount

Basically followed Martins advice with a little bit of fine tuning in the letter dept.

Firstclaim attempt rejected.
Made phone call where they said they would reconsider. Received offer for partial settlement.

Made second phone call rejecting the offers. They said they would again reconsider.

Today received letters offering full amount.

I started the process on the 10 March and therefore it has been relatively quick and straight forward. The people at Beneficial were very friendly and I guess were merely .testing the water' by rejecting my claims initially.

I have a number of other claims pending which I feel will not go quite as smoothly, in particular Citibank and Woolwich who I am currently taking to court. A number of others have not yet replied to my request for a list of charges and I have reported these to the Information Commission.

The success with Beneficial has restored my confidence in the process and I am now going to exert more pressure on the other Banks.

I have one query which somebody may be able to help me with. The offer letters state that the refunds will be credited to the respective accounts! I really want this money to be paid BY CHEQUE and I am going to make this a condition of my acceptance. Has anybody else tried this and do I have the right to request this?:rotfl:

Emabno1

Requested statements which came within a week

Sent 1st letter 1st May requesting £408
Received reply 4th May offering £204

They stated that we were allowed to charge £12.00 and so were giving me the difference. All is cost me was a stamp!

Just waiting for Halifax and Studio cards now.

Thank you Martin and everyone else on this site.

gemstar_2

Bank: Abbey
Amount Reclaimed: £2200 excl interest
Amount they paid: £2200
The story:
Been going on sice the end of October.
Filed with courts- acknowledged by Abbey , emailed to see if deal could be struck before court- this happened and a settlement was reached.
It can be done! - I am so chuffed!

christiegirl

Bank: Halifax

Amount Claimed: £2300

Amount Paid: £2000


When the lady on the telephone said we'll give you 2k, I melted. Well its money I never thought I'd get back and I treated myself to a great holiday so I'm happy!! :rotfl:

Martin - You're the best - thanks!!!:T :T :T

robpappini

I Spoke to my bank over the phone to get a list of all my charges for the last six years. It took about a week to come through ( they didn't charge me for them) so highlighted them and totalled them up £1758.

Next day I sent them the standard letter and ten days later I recieved a standard letter back saying they believe they are right and would win in court blah blah, but we will give you £1558 now if you settle, well I sat down with my wife to discuss whether to hold out for the other £200, I think this conversation lasted 3.5 seconds. now the paperwork is signed. All is good.

P.s First time Post, hope it goes in the right place..........

welsh-bess

Thanks to every one who has helped and for those who thinking of giving up DON'T

curlychic

BANK: Lloyds TSB Bank PLC
AMOUNT CLAIMED: £430.00
AMOUND PAID: £430.00

A bit of a daugnting process to begin with, but it all became clear as i progressed through my claim. Court action was started, but never went all the way. Claim was settled at AQ stage.

curlychic

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