Welcome to the Reclaim Bank Charges Board

Rex_Mundi

Lara wrote:

In the letter you have to state which court you are going through. Do I put the nearest small claims court to me?

It's not a small claims court. This is only a type of court process. The court you will end up in is your local county court.

Edinburghlass_2

Welcome to MSE any viewers of BBC1 news this morning when Martin was discussing the reclaiming of your bank charges.

Up above the board you'll find the Resource Bar where you'll find Martin's article and the letter templates you'll need to download to start your claim off.

<table style="border: 1px solid rgb(0, 0, 0);" _base_target="_blank" bgcolor="#f3e7d2" cellpadding="2" width="100%"><tbody _base_target="_blank"><tr _base_target="_blank"><td _base_target="_blank" width="15%"></td> <td style="color: black; font-family: Arial,Helvetica,sans-serif; font-size: 12pt;" _base_target="_blank" valign="middle"> The Reclaim Bank Charges Resource Bar</td> </tr> </tbody></table> <table style="border: 1px solid rgb(0, 0, 0);" _base_target="_blank" cellpadding="2" width="100%"> <tbody _base_target="_blank"><tr _base_target="_blank"> </tr> <tr _base_target="_blank"><td style="color: black; font-family: Verdana; font-size: 9pt;" _base_target="_blank"> Step-by-step Guide: Reclaim Unfair Bank Charges Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details, Initial letter, Second letter, Small claims note Article: Top New Bank Account</td> </tr> </tbody></table>
To find the addresses for your particular bank have a read of this thread along with some frequently asked questions and answers.



You'll find a thread for most of the main banks on the board with users questions and experiences. Don't forget to come back and post your success story here

Edinburghlass_2

Special welcome to the BBC1 floor manager who nipped online and downloaded the template letters this morning

ducati749

hi
A couple of weeks ago I wrote to natwest with the 1st letter posted on this site and today I received a letter back stating that
" I am sorry to learn of your displeasure but we believe that our charges are fair, reasonable and transparent. We are satisfied that our charges are applied in accordance with your agreement with us and our published tariff and comply with applicable laws and regulations."

Now what ?????
Is this good or bad ?????
Will I get anywhere ??????

Rex_Mundi

ducati749 wrote:

hi
A couple of weeks ago I wrote to natwest with the 1st letter posted on this site and today I received a letter back stating that
" I am sorry to learn of your displeasure but we believe that our charges are fair, reasonable and transparent. We are satisfied that our charges are applied in accordance with your agreement with us and our published tariff and comply with applicable laws and regulations."

Now what ?????
Is this good or bad ?????
Will I get anywhere ??????

That is a standard response. Move onto the next stage of the process now.

little_rosie

Hi all,

I'm new here too, I've read so many really great posts and am looking forward to getting out of debt in the new year. I've been with Lloyds for years and have just sent the first letter off, then realised I didn't send it Recorded Delivery so hope they don't just ignore it! Just have to wait 40 days I guess.

sidkimbrough

Hi and thanks for all the help so far. I am also with Barclays and have gone down the path as far as actually filing a claim with the court after being offered less than a third of the charges as compensation. They have replied to the court that they intend to defend all of the claim. This minimally gives them another months grace and I do not know what I can do next if they actually defend the claim. Any advice on the next step??

nickmack

sidkimbrough wrote:

Hi and thanks for all the help so far. I am also with Barclays and have gone down the path as far as actually filing a claim with the court after being offered less than a third of the charges as compensation. They have replied to the court that they intend to defend all of the claim. This minimally gives them another months grace and I do not know what I can do next if they actually defend the claim. Any advice on the next step??

When they submit a defence, you should get an Allocation Questionnaire. Fill this in then wait. The next stage after this should hopefully be them paying up in full before the court date.

sidkimbrough

Thanks for that. So far all I have is an "Acknowledgement of Service" and Barclays 'Litigation & Disputes department' through a 'Legal Executive' have responded that they need 28 days to prepare a defence. More as it unfolds.

Edinburghlass_2

sidkimbrough I'll pop these last few posts into the Barclays thread in a minute as the questions/answers will help other claiming from Barclays. Good luck.