Reclaim Unfair Bank Charges Discussion Area

nikki.paul

COPPERHEADJACK wrote: »

my dad wants to claim back charges from barclaycard but does not have his account number as it is now in the hands of a DCA can barcalaycard send copies of his charges if i just supply his name and address and the template letter frm the main page.

have applied for both my charges and interestwith my bank. the way I read it was you claim your charges and then it is up to you if you wish to claim interest from the bank too. The letters to the bank on the web site are in two formats one asking for just the charges and one asking for charges and interest so it is up to you what you want to do

Keep coming back to this site it is a great support and gives you the confidence to reclaim whats your

Good luck

harry5

Help! I can't find a thread that has what i'm looking for? Abbey filed a defence against my claim on 20/03/07 and I have received the allocation questionnaire. The day after that I received an offer for half of what i'm claiming for £1445.80 of £2891.60, however I did include overdrawn interest charges that I now know I should not have done, will I lose in court if they decide to argue this? also I cannot find any thread that says they have won against Abbey in or out of court, should I take the offer and run or should I contest? Any advice???

sanand_2

nadine12 wrote: »

I am starting my initial claim letter tonight but am unsure whether to claim just the charges or the statutory interest aswell. Have been on the CAG website and they say don't mention the statutory interest until the court stage as you are more likely to get refused. They also say to claim overdraft interest on the portion of the overdraft which is charges but its all getting a bit complicated for me!! Just wondering what other people have done in their initial letter and also whether they have stuck to the template or personalised it to themselves? Thanks!

I sent my first letter off to the halifax today. I used the template from this site because after looking at the CAG website I got a little confused. This one seems more straightforward and it seems to have worked ok for a LOT of other people!! So the halifax now has 40 days to reply!!

Celicaman

Hi all,
Just received back today a letter refering to my first letter to Northern Rock regarding claiming my charges back using Martins letter 1 template.
I also asked under a seperate letter as to whether i was entitled to a refund on redemtion charges, both dated 22nd March 2007.and it reads as follows:
Thank you for your letter etc.

then the usual 'were charged in line with the terms & conditions of your loan blah blah.

Then

The discharge of Mortgage fee is the only fee under discussion with the financial services authority. The other fees you have listed are not under discusion. I am therefore unable to agree to refund these to you or pay interest as per you calculations. You were fully aware of the fees that would be charged.
I understand your frustration as a result of this. However we aim to treat all customers equally, therfore i am unable to offer you a refund. I appreciate that this is not the outcome that you were hoping for, but i hope i have made some way to clarifying Northern Rocks position in this case.

To Accept my explanation, Please sign and return the enclosed acceptance decalration within 10 working days.

However if you are still unhappy with the resons i have given, please let me know. It would be helpfull if you could explain, in writing within 10 working days why you are still unhappy.
In line with our internal complaints procedure, i will then arrange for another review of matters taking your further comments into consideration

Now i know that this is just a Fob off, :rolleyes: but do i have to explain the reasons why or should i just send the second of martins templates and let them worry about it, after all they have refused point blank to refund any monies.
The fact that they have enclosed an acceptance form is a laugh, i feel like a chastised child and feel very bad for troubling them :rotfl:

Any advise would be appreciated :beer:

PAWI69

nadine12 wrote: »

I am starting my initial claim letter tonight but am unsure whether to claim just the charges or the statutory interest aswell. Have been on the CAG website and they say don't mention the statutory interest until the court stage as you are more likely to get refused. They also say to claim overdraft interest on the portion of the overdraft which is charges but its all getting a bit complicated for me!! Just wondering what other people have done in their initial letter and also whether they have stuck to the template or personalised it to themselves? Thanks!

Hiya, below is what I sent to my bank (hand delivered to my own branch), I only amended the template slightly as I wanted my bank to see what interest I could claim "IF" it went to court, but I wasn't asking for it initially....I hope this helps somewhat & good luck.............

Dear Sir or Madam,

Re. Account number: ********

I am writing to request that you repay all the default charges that have been applied to my account.!!I do not believe these charges reflect the true cost to NatWest

The charges total £4+++.00, plus as I believe I have been unlawfully deprived of the money I have calculated £8**.** interest at the statutory rate, the amount the court will award.

I therefore ask that you repay me the full amount for charges of £4***.00 by way of cheque.! I have attached a full schedule of the charges and interest with this document.

I look forward for a full response to this letter within 14 days.

Yours faithfully,

Blah Blah Blah

PAWI69

becksjg wrote: »

Hi, Am new to this site today after discovering that in the last month we have been charged almost £300 in charges!! In big money trouble now and need to sort this out.
I think I am either overtired or just being plain stupid, but.... do I write my first letter asking for details of charges to my local bank or to the Data protection address that is listed on the site?

Any help greatly appreciated.

Address it to your branch, either hand deliver it or send it recorded delivery, remember to keep a copy for yourself!

PAWI69

harry5 wrote: »

Help! I can't find a thread that has what i'm looking for? Abbey filed a defence against my claim on 20/03/07 and I have received the allocation questionnaire. The day after that I received an offer for half of what i'm claiming for £1445.80 of £2891.60, however I did include overdrawn interest charges that I now know I should not have done, will I lose in court if they decide to argue this? also I cannot find any thread that says they have won against Abbey in or out of court, should I take the offer and run or should I contest? Any advice???

Contest it....but I'm no expert, there will be 1 along soon to help you with the rest, don't give in!

Twinkly

redruby wrote: »

Thanks Twinkly,

Its not that I want to stop the court process, they have already offered me all of my claim back minus 80.00 which was out of date, so would not gain anything from going to court. I guess what I really wanted to know was: is the offer letter from the solicitors legally binding ? And can they withdraw the offer should I stop proceedings ?
Thanks again

Sorry for the delay in reply, things got a bit busy at home here

Technically I would think the offer letter could be withdrawn at a point prior to your acceptance. I think it is your acceptance that legally 'binds' it. I'd advise though to read the conditions of the settlement carefully, dont sign to say you wont ever claim again and ensure this acceptance is clearly indicative of charges between the certain dates. Provided you accept before withdrawing legal proceedings then it should be fine. Get a definite date for payment though as although some banks settle they drag out the payment.

Get a second opinion though as I am no expert, I just have logical opinions. Banks are not logical

Twinkly

cloth_ears wrote: »

ADVICE REQUIRED!!!!!received response from citicards to my letter before action today. They state to allow them to review my request they need to retrieve copies of my statements from archives and this could take 3/4 weeks but maybe sooner if I had previously requested these through SAR(Ididn't coz I had copies of all my statements). I provided them with a list of charges dates etc.
What now do I wait or proceed with court action if no further response within the 14 days from date of LBA which will be another week. If I proceed to court do I need to inform them again??

They are saying it is your fault they will delay consideration of your claim because you did not issue a SAR. Deary me.

You can proceed to court after 14 days have elapsed and the court will advise them of the claim filed.

Good luck

Gazalli

Hiya all. First visit to what looks like a fantastic website (one of which has just been well and trully added to my favorites list!!!). Anyway on to business! We've just got everything ready to send to HSBC (letter and spreadsheet for charges worth £2800 inc interest) but theres two things that I'd like to know, and hopefully someone on here can help.

1. We've got a £2000 O/D which we regulary go into (and obviously over-but not for quite a few months). On the basis this is a type of 'loan' is there any chance, if our claim is successful, that they'll just write off our O/D with our claim money and take away our overdraft facility with no option to have one again?

2. We've decided not to open a parachute account simply on the basis that if they close our account we'll simply go and get another one. Is this really risky and if so why?

Actually I've got a third question. If they agree to pay back our charges can we get any monies in the form of a cheque (so that we can put it into a different account) or does it have to be put directly into our account.

Thanks in advance for any answers as we really appreciate it

Gazalli