A basic starting guide

roxy080961

i have had all my charges sent to me from my bank yesterday and do not understand them can some one help me please!!!!!

Edinburghlass_2

Everyone needs to to start by reading Martin's article several times, watch the video and listen to the audio file. Then read the Reclaim Help Thread, linked in my signature, as all the information you need is there, including what charges you can and can't claim and the addresses you need to send your letters to.

You'll find links to the main banks threads along with FAQ and the answers.

kahluagirl

tracey04 wrote: »

I've got in abit of a mess in the last 2 months
go into your branch and if you insist and ask them to waive the charges as a gesture of goodwill.its worth a try.you dont need your statements(unless there are other charges going back 6 yrs) cos you've already got them.try that way 1st

lesley2309

hi quick question that is obviously me being daft, but I cant find the answer ANYWHERE!!! who is the cheque for £10 made out to????????????????????????? Is it my bank or the data protection controller?? pls reply asap!! many thanks!

DiamondHarlequin

I bank with Lloyds and received all entries of deductions.

Do I claim all excess fees in full or do I have to work out what is a reasonable fee to charge and deduct that from the total before sending recclaim letter.

DiamondHarlequin

Stephen_Leak

You claim them in full.

As the banks (fairly understandably) haven't said just how much (or how little) it does actually cost them to automatically adminster a default, the charges are unlawful in full.

Brace yourself for a fight, though - Lloyds TSB have a reputation for playing rough.

DiamondHarlequin

Guess I will need to get my boxing gloves on then, and probably be back on here again.

Christina

Stephen_Leak

DiamondHarlequin wrote: »

boxing gloves on then

Erm, have you seen "Rollerball"? :eek:

esterpiggott

helo everyone,

first time on here, so please excuse me if i am in the wring place to ask a ?
yorkshire bank sent me my statements, i'm just adding up all the differant charges, do i also reclaim the £25 quid a month they charge me for being overdrawn in that month? also when i list the charges do i have to say which date they charges me for each individual charge? CONFUSED!!! please help!!!

esterpiggott

AlexisV

No, tot up every single charge and send the standard letter just stating the single total amount you want back. Include your £25 a month charge in your total amount.