Reclaim Unfair Bank Charges Discussion Area

shoe_2

beverleyt wrote: »

This happened to me but I ended up realising I was claiming less and not more! I must have calculated some twice, I dont know. Anyway I think you can just start again and send the letter you have already sent but asking for the revised amount but I'm sure someone will tell you different if I am wrong!

Thanks hope so ???????????????

Skull13

Hi all

i have received my statements from abbey and had my carer help me to carry out the interest calculations on this site but i can not find if i can claim back 'cleared transaction fee' charges on any of the pages (although i am sure itr will be here somewhere already) if i can claim these back as well then i need to recalculate the final figure

i would be grateful if someone could let me know

thanks

Celicaman

Hi all,
Sorry to ask this again but had no initial response.

Claiming from GE capital £63 plus interest.

Sent first letter 14th feb after 14 days & more i heard nothing.

Sent second letter on 3rd March giving them 7 days to reply,

Received nothing,

So on Sunday 18th march after giving them more time than i had to, i did MCOL & filed to court, and acording to info online was issued on 19th march.

On Tuesday i get letter from GE capital the usual rant on but in this instance they, as a goodwill gesture will refund the full charges but not the interest.
Their letter was dated Tuesday 19th march 2007.

So now ive paid the £30 and not sure What to do now as they have said they will refund the £63

Thanks

Celicaman

Another Question

I used to have an Egg card but destroyed statements so have asked for list of charges to account
Also just done same with Northern rock for mortgage charges.

Question is,
By the time i most likely get the copies/lists (they have 40 days and are probably stalling) the OFT will probably have made their rulings on the 5th April and any claim put in after this date will be for less as the banks will only pay up as to the new rules, and taking them to court will also be more difficult.
Is there any way to start the ball rolling, IE by just asking for all charges back for the previous 6 years and sending the list in later correspondence when they ask for it, Getting the request logged before 5th april so its in place and an ongoing issue, or will that not matter after that date.

Thanks

stanbaxter68

Hello
Can someone direct me to a format to get a default lifted by Capital One and claim back my charges please ?? Thankyou

Celicaman

Hi, from what ive read on here, i think its a seperate issue but im sure somebody will clarify for you.
Welcome to the club and good luck

Twinkly

Celicaman wrote: »

'should you wish to defend this action in court, i require full contact details of your chosen representative and will forward these details for their retention and persual in advance'

I dont know where the rest of the template came from but that bit was posted by me and is my very own creation. Fame at last Thank you hehe

Twinkly

Celicaman wrote: »

Hi all,
Sorry to ask this again but had no initial response.

Claiming from GE capital £63 plus interest.

Sent first letter 14th feb after 14 days & more i heard nothing.

Sent second letter on 3rd March giving them 7 days to reply,

Received nothing,

So on Sunday 18th march after giving them more time than i had to, i did MCOL & filed to court, and acording to info online was issued on 19th march.

On Tuesday i get letter from GE capital the usual rant on but in this instance they, as a goodwill gesture will refund the full charges but not the interest.
Their letter was dated Tuesday 19th march 2007.

So now ive paid the £30 and not sure What to do now as they have said they will refund the £63

Thanks

The second letter asked for interest so since you have already filed at court you will be wanting the court fee back too. Might as well go the full distance and put that in the particulars of claim and get the interest too.

Edinburghlass_2

stanbaxter68 wrote: »

Hello
Can someone direct me to a format to get a default lifted by Capital One and claim back my charges please ?? Thankyou

Did this thread not help?

http://forums.moneysavingexpert.com/showthread.html?t=369976

Edinburghlass_2

shoe wrote: »

i think i have messed up help...
i got all my staements from halifax yesterday highlighted all the charges then used martins calculator to ask for intrest as a tactic....
sent the infoe recorded del 2day...got home from work and the halifax have sent me a list of charges totaling double than i have asked for and i went through every statement with a fine comb...what shall i do ????

Have you checked if the list from the bank includes overdraft interest along with the claimable charges?