A basic starting guide

mandysimo

Hello

Just on phase 1 of the process, and today have recieved a bundle of bank statements going back 6 years. I was expecting a letter describing the amount I had been charged illegally over the last 6 years. Do I have to trawl through these statements and come up with the figure or are they supposed to give me the £number???

Help

Tim

Edinburghlass_2

Yes you have to go through your statements and work out what your charges are putting them into a spreadsheet with date, description and amount. Start by reading Martin's article and the previous posts here and the Reclaim Help Thread which is linked in my signature.

robster1664

a little help please if you can in template 2 it say send a list of charges does this mean send back the statements? also in the video martin say small claims court for claims up £5,000 what if i am owed more?

esmerellda

Hi Robster....list of charges is basically that - a list in date order of all the charges you have incurred over the past 6 years.

You are fine claiming over £5000 - once you pass allocation stage in court you may be fasttracked rather than small claims, but really the banks are more scared of this than you or I should be.

robster1664

cool many thanks for that and do i just put in referall charges or can i put card miss use and cheque returns as well?

System

robster1664 wrote: »

cool many thanks for that and do i just put in referall charges or can i put card miss use and cheque returns as well?

Hi robster

You can indeed include card misuse and cheque return fees. Click on the following link to the help thread and go to post 4 for what can and can't be claimed.

http://forums.moneysavingexpert.com/showthread.html?t=400981

Also, is it NatWest that you are claiming from??

Regards
UNDERGROUND

Edinburghlass_2

Have a read of the posts in this thread and in the Reclaim Help Thread, link is in my signature.

ickleme1

Hi
Did anyone request a note of all their charges before making the claim? As I don't think I have arecord of my chrages over the last 6 years to know the amount to claim

nickmack

ickleme1 wrote: »

Did anyone request a note of all their charges before making the claim? As I don't think I have arecord of my chrages over the last 6 years to know the amount to claim

You should make sure you have a list of charges otherwise you will find it difficult at the court stage in particular.

You need to follow the procedure in the Step by step guide in my signature to request this information from your bank.

robster1664

Also, is it NatWest that you are claiming from??

Regards
UNDERGROUND [/QUOTE]

it is natwest how did you know that?