Reclaim Unfair Bank Charges Discussion Area

Twinkly

sjm.m wrote: »

CAN ANYONE HELP ME I HAVE A LOAN WITH RBS IAM ALSO IN ALOT OF DEBT WITH THEM AND OTHERS MAINLY BECAUSE OF THE CHARGES THEY TOOK OFF ME. THE AMOUNT THEY OWE ME IS £2662.00 WHAT THEY HAVE ROBBED ME IN BANK CHARGES. CAN I GET MY MONEY BACK WITHOUT GOING TO THE RBS ACCOUNT AND TO GO INTO NEW BANK ACCOUNT OR CHEQUE??? IVE NOT USED THE RBS ACCOUNT SINCE 2005. PLEASE HELP ME ANYONE!!!:mad:

They can apply any refund against the loan you have with them but you can complain to the Financial Ombudsman if you feel they dont have the right to. See here for the banks right to set off and certain conditions where they can be challenged:

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/40/40_setoff.htm

You can state you want the money paid as a cheque direct to you as part of the terms of your acceptance of any settlement they offer. There have been cases on the forum where this has been done and the claimant has received a cheque, bypassing other debts with the bank altogether. Get more advice on this as the above information is only my opinion based on some research about the subject and everyones circumstances are different.

Good luck

Twinkly

jimmyjames wrote: »

hello again,

am just about to accept on offer from barclays(£300 pound shy of the actual fees and £600 shy when i`ve added interest)

i know but baby due in 10 weeks so will be coming at the right time.

however the acceptance letter says:

i accept the sum of £1695 as full and final settlement of my complaint against barclays bank plc.

now, my question is, what can i do about a couple of charges i have accrued since i first set the claim in motion.

i am going to call them tomorrow and push for the full settlement "without interest" to try my luck.

but the crux is can i ask for the additional charges back.

cheers jimmy

Yes you can. Until you accept in writing or go to court you can add on any charges as and when they accrue. Do not sign anything to say you will not make a future claim, they have no right to ask you to do this. You can cross that bit out on any acceptance letter you sign and keep a copy of it for your records if needed as proof of non-acceptance of this point in future. Good luck

marge24

Twinkly wrote: »

It is much less stressful to deal with them in writing and if I may suggest an amateur template it would read like this:

Dear (whoever signed the letter making the offer)

With regard to account number XXXXXXXXX and recent correspondence received.

As you are aware the matter is in court proceedings at present. I respectfully decline your offer of XXXXXX and remind you that interest and court costs are now payable in settlement in full of this claim.

Yours sincerely

yourself

As always, keep a copy and send it recorded delivery.


Hope that helps

Thanks Twinkle did not need to write though just had a letter from the Halifax offering me £3435.52 :j have posted on sucess page.

tiggrae

Does anyone know why you can only reclaim charges going back 6 years (or 5 years in Scotland)?

mimiandlucas

Hi. I sent the first letter to Barclays and recieved quite promptly a run down of all my account activities over the last 6 years. From this I worked out how much they owe me in charges and interest. As they were quite prompt with this I felt quite positive about the whole thing! However.....I then sent the letter asking for the charges and interest to be paid back to me and only yesterday (13 days after I sent it) did they reply. All they said was that they were dealing with my complaint.......it must be standard letter?
Anyway - since the 14 days are up tomorow should I send the 3rd letter threatening court proceedings or does the fact that they have sent me a letter mean that I now have to wait for their 'propper' response?
Any info would be great - thankyou!

pigsmightfly

mimiandlucas wrote: »

Hi. I sent the first letter to Barclays and recieved quite promptly a run down of all my account activities over the last 6 years. From this I worked out how much they owe me in charges and interest. As they were quite prompt with this I felt quite positive about the whole thing! However.....I then sent the letter asking for the charges and interest to be paid back to me and only yesterday (13 days after I sent it) did they reply. All they said was that they were dealing with my complaint.......it must be standard letter?
Anyway - since the 14 days are up tomorow should I send the 3rd letter threatening court proceedings or does the fact that they have sent me a letter mean that I now have to wait for their 'propper' response?
Any info would be great - thankyou!

I would stick to your timescales and carry on with the next letter if their time is up. It could be weeks before you hear back from them

janevictoria

Hi Twinky,
Thanks for that but, think I'm thick or something, do I need to wait till I get a letter from Barclaycard saying it has made a partial payment as what I know is from the statement viewing on-line, statement due any day.

theredjack

Hi,
halifax have just sent me a letter saying that the financial authority give them 4 weeks to investigate a complaint regarding bank charges and i will hear from them in this time. is this right?
the redjack

Twinkly

marge24 wrote: »

Thanks Twinkle did not need to write though just had a letter from the Halifax offering me £3435.52 :j have posted on sucess page.

Hurray :j congrats ! :beer:

COPPERHEADJACK_2

which bank address should i include in my initial letter asking for copies of charges should i put the head office address or should i put the data protection address where i send the letter
and do i also have to put my sort code on