Reclaimed Bank Charges SUCCESS stories

chops05

Bank: First Direct
Amount claimed- £365
Amount received- £365
Only sent one letter and they sent me a letter saying they accept no liability but they will refund me the charges - still waiting for it to be paid into my account though!

Bank Abbey
Amount claimed - £705
They have refused to pay up, sent them a letter advising them I will be taking them to court and have 7 days to either pay up or I will start the proceedings.

Tesco credit card - £40
Refusing to pay so sending them a letter advising them I will take them to court!

Just applied to Halifax for bank statements for my other half. I think he has paid almost £800 in charges!!

Thanks for the support and advice on MSE. If it wasn't for any of you out there I would not be claiming back these unlawful charges! :T :beer:

barclaysbabe

thanks, if anyone knows about about the debt management question, please give me a shout. once i have the answer on this i can proceed with claiming my money back.

p.s can i say rex u have been very helpful thoughout all of the posts i have read

Edinburghlass_2

Thread here might help.

ashokatomik

Just to say that Cahoot refunded me £30 for an unauthorised overdraft after I e-mailed them a letter based on the template provided. This happened within days.

Now I am going after Intelligent Finance for another £30. This will be an interesting one since I closed my account with them earlier this year. Will keep you all posted.

You might think that I am going for peanuts compared to some. But I have been charged only twice in the last 7 years. I am generally very disciplined when it comes to banking.

At least these repayments will pay for a meal with the family.

barclaysbabe

Thanks for the thread Edinburghlass. Jumping the gun now. If and when the bank do decided to settle, how do you get your money? Do you request a cheque or do they automatically put it straight into your account? In my case it would go back into the account that is already over the overdraft limit.

Claudie

On behalf of wishing to remain anonymous family member....

Bank:GE Money (Dorothy Perkins Store Card)
Amount Claimed: £165
Amount Refunded:£165

Basically said family member (18 and financially very naive) was paying late every month and was incurring late fees every month (she wasn't allowing time for payment to leave her bank to get to DP). She had no idea why the charges were there and ignored them as she was too embarrassed to ask. What was a one off purchase became a year of payments and frustration.

One phone call (they gave me all of the late charges over the phone?) and one letter later and they have refunded the full £165 as a "goodwill gesture" and in full settlement.

Now fingers crossed for Lloyds but they are realllly playing hardball.

A huge thank you to everyone here and at the Consumer Action Group website for being so helpful and open. Your hard work and kindness is really appreciated :T

L3ighton

Hello ppl, i'm new to this, i'll tell you what i have done so far, i'm £1200 overdrawn, i opened up another bank account, i got intouch with my bank and asked them for 10yrs worth of statements, i got them in 2 envelopes which were all ripped and 1 was open, added up all the charges on the your calculator and the total came to £1930 with interest came to £2408, i wrote to them 2 weeks ago askin for the full amount with interest back, i got a reply this mornin in the post sayin how sorry they are that i feel the bank charges incurred are unfair and they disagree with my view etc etc.
Later on in the letter they make me an offer of £985 and if i would like to accept this offer plz sign and return and they deposit the funds into my account within 7 days.

I feel dissapointed with this, also if i was to accept this offer i would still be overdrawn as they would pay it into my acc and poss terminate my acc so all this could be a waste of time i feel.

I want to try to get close to the full amount.
Can some1 help with this matter?

Regards

Leighton

Smickan

Thank you very much everyone for all your help!

I had all the statements from my bank mixed in with all my credit card statements and mail order shopping and receipts/statements etc for *everything* bought online etc so hunted them out and put them in order - and bloody hell wasn't that a job :rotfl:

I put everything down that was order and located all charges that I've been charged [which are nothing compared to what some of you are facing ] and the letters are just on the way to be posted via registered mail to them so fingers crossed something happens.

I would never have done it if it wasn't for this board and it's posters Thank you everyone.

I made a new years resolution that 07 I'd turn my life around and stick up for myself more and fight for what was right and here we go ^_^ And it's not even Jan yet! :rotfl:

Edinburghlass_2

L3ighton wrote:

Hello ppl, i'm new to this, i'll tell you what i have done so far, i'm £1200 overdrawn, i opened up another bank account, i got intouch with my bank and asked them for 10yrs worth of statements, i got them in 2 envelopes which were all ripped and 1 was open, added up all the charges on the your calculator and the total came to £1930 with interest came to £2408, i wrote to them 2 weeks ago askin for the full amount with interest back, i got a reply this mornin in the post sayin how sorry they are that i feel the bank charges incurred are unfair and they disagree with my view etc etc.
Later on in the letter they make me an offer of £985 and if i would like to accept this offer plz sign and return and they deposit the funds into my account within 7 days.

I feel dissapointed with this, also if i was to accept this offer i would still be overdrawn as they would pay it into my acc and poss terminate my acc so all this could be a waste of time i feel.

I want to try to get close to the full amount.
Can some1 help with this matter?

Regards

Leighton

You can write the next letter saying you will accept this in PART PAYMENT but will be persuing them through the court for the full claim.

goldspares

Can we also claim for bank charges on a business account?