Reclaimed Bank Charges SUCCESS stories

driverno1

i am new to this excellant site and am about to write my first letter to the halifax..i dont mind telling you it all seems daunting..but what have i got to lose..i will keep you up to date with my progress , but after reading some of the messages i think it may be some time

under_pressure_3

Hello all, Nice forum, I am a newbie. I wish I found this site before I got myself into so much debt. Still feel a little ashamed but I am doing me best. Just out of interest I was watching the programe last night called "bank Robbery" on 2 last night about reclaiming bank charges, I am currently on a dmp and was wondering if I ask to see my previous bank charges whether the bank will put my interest back up again? They have currently stopped all interest charges, but I feel that all the previous charges may have resulted in the spiralling out of control.

JoJo_Sparkly

Bank First Direct
Amount claimed £627
Amount refunded £627

Sent one letter and got return letter with the usual ...

"fees are fair blah, blah, blah but won't go to court so here's the lot" - (Didn't go for the interest) I'm really pleased - going after the Woolwich next.

Thank you so much MSE Martin and everyone here - this has really lifted my spirits.

Jojo

AndyR33

Hiya, I'm a newbee here.

Please can someone help me.

I have not used my Natwest bank account for at least 3 years. Yesterday I received a letter from Natwest (the first correspondence for 3 years) stating that I owed £1950.96.

The account was £10 in debt when last used.

I rang today and they said it was interest and service charges and that it had to be paid within 28 days or they would go legal.

Surely they should be sending me statements every month if I owed money.

Is this legal??

Thank you

Andy R

clarenic

Hello Everyone

After successfully winning against Halifax last week, I'm now due to start Moneyclaim for HSBC.

Does anyone know the address I should put for papers to be served?

Thanks,

Clare

Deela_2

Edinburghlass wrote:

Welcome to anyone coming to this brand new board after reading Martin's updated article on the Main Site

To any users who haven't had an answer to their question on the old discussion thread please feel free to place it here and hopefully someone will have an answer for you.

If you want to ask a question about a specific bank please check the boards to see if you can find a dedicated thread to your bank and pop your question on there.

Don't forget to put your Success story on this thread when you complete your claim and good luck.

Hi

I have just read through the website and it sounds a great idea to me, but i am worried i do have other accounts but the bank i want to reclaim is LloydsTSB and on this account i have an overdraft of £1150.00 which always goes over normally for one or two days before more money goes in and the bank charges make it go over every month which means more charges for the following month so an never ending situation. If the bank did close my account there is no way i could afford to repay this money.would i have to?? has anyone been in this situation please help..

Thanks.

Deela_2

Strapped4cash wrote:

Hey

Has anyone had any joy with the Royal Bank of Scotland? I'e just sent my first letter requesting statements off this morning...fingers crossed!

I'm also really worried as I have an outstanding loan and overdraft with them also. If I end up having to threaten legal action, is there any way they can demand immediate payment of my loan and overdraft?

Thanks!

Hi Im in the same situation not with loans just overdraft,
please let me know if you find out

Thanks.:beer:

Deela_2

Hi,

I have an overdraft which i could not afford to pay back if the bank closed my account if i asked for the charges back.
Does anyone know how this works
please let me know as i dont want to go any further until i can be clear on this.

Thanks....

bengal-stripe

pcg wrote:

I am about to start proceedings with Lloyds TSB.....if I am successful can Lloyds call in the loan and are they legally entitled to do so

If you are up-to-date with the loan and the account is in good order, the bank cannot close it down.
What happens at your current account has nothing to do with the loan.

bigbird1971_2

hi i too am a newbee

Sent letter and cheque off asking for statements that was sent to halifax three weeks on friday..........hopefully get some statements soon......how long does it normally take and should i ring and ask them how long before i get them?? I'm on the post as soon as it arrives just in case...cant wait to get started and see how much the pigs have robbed off me in the 6 yrs......(loads i bet).....