Reclaim Unfair Bank Charges Discussion Area

Twinkly

nikki.paul wrote: »

Hi

I am trying to reclaim over £7000 from both my natwests account over the last 6 years. They have informed me I must send in six years worth of statments with all the charges highlighted ( would need to do a manual handling course to carry these).I have copys and have completed the charge calculater with interest( how great is that ) and printed this off along with the letter. I have requested a second copy of charges as I do not want to get rid of originals but twice they have sent me just 1 years worth. I sent off the letter with the calulation and after 14 days heard nothing. I rang them and they just say it will take 8weeks and they need the statments. Are they being difficult or am I unreasonable not waiting 8 weeks and not sending in bank statments. Should I do the follow up letter

Yes they are being unreasonable and attempting to delay. They have full details of your account on record and do not need copy statements. It is sufficient to send a list of the charges and dates of charges for comparison to their records. I would send the LBA and proceed as usual. Good luck

Twinkly

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.

You should be able to obtain the account number from the DCA, unless they are operating with a client number for barclays instead. If you just send name and address in the letter be sure to include the full address with postcode and your dads date of birth. The name of the DCA might help to trace the account too.

Good luck

Twinkly

carolanne1656 wrote: »

Just wanted to say thanks, we helped our son, with your help and template letters to claim his charges from his Bank. Today he got over £1500 back which works out about 75% of original charges and he is a VERY VERY happy young man. He decided to accept this offer and said Im not £600ish quid down but over £1500 quid up cos I thought i'd seen last of that money. So dont be put off we were lucky maybe and had no problems whatsoever every thing happened with absolutely no hassle, we can assure you its well worth it and our soon will agree when he gets back from booking his holiday in the sun!!!!!!!!

Congrats to your son thats great news

Celicaman

Hi, The best way is to start by reading this and have a listen to martins video, Follow the steps and use the Letter templates sticking to the timelines.
If you have any questions, list them on the forums, the peeps here are brilliant and will offer loads advice.
If you dont have the last six years bank statements, use martins letter to ask for them, it could take up to 40 days for the bank to send them to you and then you have to start sending the letters, again using templates 1 then 2 , and then its the MCOL ( money claims online) which is the courts online system for taking them to court. Other than that be confident, and dont give up.

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,

Twinkly

Celicaman wrote: »

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:

I believe you have already explained the charges are unlawful in the first letter. I dont see any reason to reiterate this so on with the process for you, you naughty thing you :rotfl:

PAWI69

Twinkly wrote: »

I believe you have already explained the charges are unlawful in the first letter. I dont see any reason to reiterate this so on with the process for you, you naughty thing you :rotfl:

Hi Twinkly, can you help Harry please? (quote No 4569) thanks in advance xx

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???

Look at Esmerellda's note (it's quote No 4557) and Twinkly (quote 4554) about Abbey, hope it helps.

Twinkly

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???

With regard to the overdrawn interest charges. If their charge originally took you overdrawn then you are entitled to this so if it is not mentioned as non-claimable in their defence I wouldnt worry about this. In the success thread I found of 18 cases against Abbey:

5 settled in full before any court action neccessary

11 settled in full plus costs and interest after claim filed at court

2 claimants went to the Financial Ombudsman and the banks paid in full for one and more than the amount claimed for the other but no reason for this is given in the postmore than the amount claimed

There are no reported cases of claims lost with any bank and they do not turn up at court. I would personally contest.

Hope that helps

The_Scarlet_Pimpernel

Twinkly wrote: »

There are no reported cases of claims lost with any bank and they do not turn up at court.

Incorrect and incorrect.

Go to Consumer Action Group and search for Henry v Natwest for the lost case (before CAG, one is glad to say), and amongst others, search for Bookworm v First National Motor Finance for won in court.

They turn up in court for first hearings in Scotland on a regular basis. They turn up in court for preliminary hearings, set asides and many many others.

The_Scarlet_Pimpernel

Good for you. Personally, when I see a sentence like that, I only understand it one way: There are no reported cases of claims lost with any bank and they do not turn up at court. Which is incorrect.

How did you understand it then?