Reclaimed Bank Charges SUCCESS stories

maniac886

family_life wrote:

thanks for your reply maniac, but could you tell me what bundle I have to send to the courts and also to the bank, The last person I asked on this site told me just to send a letter to the banks solicitors, I'm worried that i may have messed this all up as I have to have everything done by the 8th January. many thanks again.

Yes, if you have the contact address for your bank's solicitors send a copy there and also a copy to your local court. If you go to the link and download the file it should tell you exactly what to include in the bundle.

P.S it may be an idea to post on the CAG forums under your banks section. They seem to have a greater wealth of knowledge.

nervous_2

165721 wrote:

Very good point. I think we need the man himself in on this one! I've always stuck by the CAG suggestion and agree with Rex_Mundi...

Uh Oh! I've just sent my first letter off with the interest included. Now I have an uncomfortable feeling in my stomach. Well, I did have until I just typed this, so what, they charge me interest if I am overdrawn, they have told me that.
nervous.

BANANABUS

Could i still claim even though i cannot find my past business partner?

the account close in 2002 and i tried to locate him ,
can a claim in on my own? we alway both had to sign the cheque book!!!

yours Adrian Mole!! ( JIM)

clarenic

clarenic wrote:

Hello all

I wrote the usual two letters to HSBC, neither of which were answered, so I started the Moneyclaim. HSBC acknowledged service and have got until 16 Jan.

The thing is they've now decided to answer my letters, with no reference to the Moneyclaim. I originally asked for £195. Because I got no response I started Moneyclaim so have now asked for interest and a refund of the £30 court fee as well. A total of just over £300.

In this letter, HSBC have offered me £167.50. They state in their letter that this is the full amount, less a charge of £27.50 which they had already refunded. I've checked my statements and they did refund that money.

I don't know what to do next - do I accept the £167.50 or do I carry on with the Moneyclaim? If I did that, they're obviously not going to give me the £27.50 that I already had back from them, can I contact the court to change the figure?

I'd be very grateful for your suggestions, I'm concerned that I've messed it up and I'm going to end up more out of pocket than I was when I started this all off!

Thanks in advance,

Clare

I've drafted this letter as a response - is this the right way to go? Any suggestions on how better to deal with it?

Thank you for your letter of 2 January 2007.

Having checked my records, I see that you did indeed refund the charge of £27.50 (taken on 23 February 2001) on 20 March 2001. I therefore accept your offer of £167.50 in partial settlement of this claim. Because my letters went unanswered, I commenced proceedings with Moneyclaim Online. Service of this claim was acknowledged by HSBC on 18 December 2006. I am also claiming for the £30 court fee and £77.99 interest.

Charges £195.00
Less charge already refunded (£27.50)
Plus Interest £77.99
Plus Court fee £30.00
Total £275.49

The claim is for the sum of £275.49.

You say in your letter that you will credit my account. You will see that my account with you is closed. I would therefore like to receive a cheque for the above amount as soon as possible, in any event prior to 16 January, the deadline for the Moneyclaim.

I look forward to hearing from you.

Thanks very much for any advice.

Clare

cindyhove

Hi,
I received the letter from First Direct today.


They agree to refund all the charges (including one for January) but WITHOUT the interest I asked for.

I am going to agree however, as it's money I never thought to see again.

Thanks Martin!!

They sent the statements to me quickly and for free. When I wrote to them asking for the fees I received a letter saying I would hear from them within 10 working days - that was today!
I have to send a signed letter back saying I agree to the refunded amount and it will be transferred into that account.

However, I am still waiting to hear from them re my 2nd account, but I'll give them another few days before getting back to them with letter number three.

Rex_Mundi

That letter looks good. See what they say now.

The_Bloodster

I know this has probably been asked loads of times but I have searched and keep confusing myself with it all!!

I'm confused!! Which interest do I claim and when do I claim it?

I have just got my statements and I am about to work out the charges do I claim the interest now in my next letter?

Which interest do I claim? I've seem Statutory mentioned but on the CAG site it says not to claim this!!

DO I attach a spreadsheet with all the interest and charges listed?

This will be my first letter claiming a sum of money is it just charges or interest as well (which I do want to claim)?

Thanks

maniac886

The_Bloodster wrote:

I know this has probably been asked loads of times but I have searched and keep confusing myself with it all!!

I'm confused!! Which interest do I claim and when do I claim it?

I have just got my statements and I am about to work out the charges do I claim the interest now in my next letter?

Which interest do I claim? I've seem Statutory mentioned but on the CAG site it says not to claim this!!

DO I attach a spreadsheet with all the interest and charges listed?

This will be my first letter claiming a sum of money is it just charges or interest as well (which I do want to claim)?

Thanks

In the first letter enclose a schedule of your charges including OVERDRAFT INTEREST which you can show was caused only by those charges - not general overdraft interest.

The second interest that you have mentioned,Statutory 8% can only be claimed once you file a claim with the courts. This comes under the s.69 the County Courts Act (1984).

maniac886

BANANABUS wrote:

Could i still claim even though i cannot find my past business partner?

the account close in 2002 and i tried to locate him ,
can a claim in on my own? we alway both had to sign the cheque book!!!

yours Adrian Mole!! ( JIM)

1) I don't think its right without contacting your partner as he/she is entitled to the money as well.

2) If the account is closed, they will send a cheque, and usually with joint accounts they will write both names on the cheque which means you will have trouble paying it into your bank anyway.

Rex_Mundi

BANANABUS wrote:

Could i still claim even though i cannot find my past business partner?

the account close in 2002 and i tried to locate him ,
can a claim in on my own? we alway both had to sign the cheque book!!!

yours Adrian Mole!! ( JIM)

I've recently claimed on a joint account in just one of the account holders names. It was never mentioned at any stage by the bank or their solicitors during the claim that only one of the names was reclaiming. When they settled in full, they sent a cheque in the name of the person that reclaimed the charges, not in both names.