Reclaimed Bank Charges SUCCESS stories

nickmack

wako wrote:

Has anyone any experience of claiming back these types of penalties? I have tried on the phone but been knocked back.

Lots of people have claimed back from Store Cards for the same type of charges, just adapt the templates to suit your situation.

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,

nicocathvog

Barclays Bank
Asked for £120
Got £120..... WITHIN 1 MONTH FROM START TO FINISH only wrote letter.

Waiting now to hear from Nat. West.
THANKS MARTIN AND TEAM.:T :j

Dons_2

sirstephen wrote:

Does anyone know what happened to the my post re PPP claim? It seems to have disappeared!!!!

Mine has disappeared (Woolwich/Barclays) too... wouldn't have minded a bit of advise/help etc.

Oh well - fight the good fight alone!

ksep2310

Hi everyone.

New to this forum, so hope I'm in the right place.

Natwest have charged me £400 for unpaid DDs since July alone, and I intend to ask them for the records of the last 6 years' charges as advised. I'm a bit worried, though, because my overdraft limit with them is £500, and these charges have taken my balance to £890 OD. If I reclaim the charges (plus those from previous years), how likely is it that they will close the account and demand the overdraft be paid off?

I also have a bigger concern re. an HSBC account, which I use as my main account. I've just worked out HSBC have charged me £2246 for unpaid DDs and cheques since Nov. 2003. However, I also have my mortgage with HSBC and a managed loan to cover out of control credit card and overdraft debt with them from a few years ago.

My worry is that, at present, despite the fact I am slightly behind with payments on the mortgage and loan, I do have a fairly good relationship with the bank in terms of them being very patient with my arrears. I'm worried that if I try to reclaim these charges, they might get much more strict in these other areas. My worse-case scenario would be if they repay the charges and close my current account, then recall the loan (approx. 28 K) and mortgage arrears. Are they allowed to use my behaviour relating to these charges against me on other accounts?

I'd be very grateful for any help...

K.

nickmack

ksep2310 wrote:

Natwest...how likely is it that they will close the account and demand the overdraft be paid off?

No one can say for sure, but you need to make plans in case they do.

I also have a bigger concern re. an HSBC account...My worry is that, at present, despite the fact I am slightly behind with payments on the mortgage and loan...Are they allowed to use my behaviour relating to these charges against me on other accounts?

Strictly speaking, the accounts are covered by seperate legal agreements, so normally the bank wouldn't close them. However as you're in arrears with one or more of these accounts, they would be entitled to ask for repayment citing this as a reason.

It's still unlikely HSBC would do this, but you need to be aware, it's a possibility. If you still have concerns, and you are able to, maybe you should wait a bit longer until you have sorted these accounts.

SiBates2004

Alliance and Leicester - charged £70
reclaimed £70

Alliance and Leicester closed my account. I was charged £70 for being £3 overdrawn so I sent the usual letters asking for my money back. They refused so I went on moneyclaim online and Alliance and Leicester sent a very rude letter saying that they reluctantly agreed to pay the charges but that they were in the right and that given the fact that I didn't comply with their terms and conditions they would be closing my account in 3 weeks time! To be honest they've behaved pathetically over the whole thing - good riddance to bad rubbish if you ask me!!

Lara

On the ConsumerActionGroup site they suggest you send the second letter giving them another 14 days to respond to show the courts you have given them ample time to repay the claim. You then start MCOL proceedings.

The second letter here says you give them 7 days and start MCOL. I'm a little confused now about the correct way of doing things. Can anyone help at all please? Thanks.

nickmack

Lara wrote:

On the ConsumerActionGroup site they suggest you send the second letter giving them another 14 days to respond to show the courts you have given them ample time to repay the claim. You then start MCOL proceedings.

The second letter here says you give them 7 days and start MCOL. I'm a little confused now about the correct way of doing things. Can anyone help at all please? Thanks.

There is no 'correct' timetable. You basically have to provide the bank with a reasonable amount of time to resolve the issue out of court. I have always used and advised 14 days for the inital approach and another 14 days for the Letter Before Action. It's extremely unlikely that any court would deem this to be unreasonable for these circumstances.

moonrakerz

There was an article in one of yesterday's papers about bank charges.

Some "experts" have actually tried to cost the actual financial damage to the banks of various customer transgressions. They came up with:-

£2.50 for a bounced direct debit and similar
£4.50 for a bounced cheque

Bit different from the £30 or so that they charge the customer !

babyina

Hi,

Just a quick question. My bank has closed down our account as i went on maternity leave and went overdrawn and i couldn't pay it back quick enough for them. Can i still make a claim for the charges on my account over the last 6 years even though they have now closed the account????

Thanks