Reclaim Unfair Bank Charges Discussion Area

manxlass_2

Steviebee

The MCOL helpline number is 0845 601 5935, it might be worth ringing them if you have family or someone you know and trust in England.

pigsmightfly

stargazer59 wrote: »

just thought you would enjoy this!! Spoke to someone at Cap One today who said they have NOT refunded anyone their charges.It is all just media hype!!! Does she not live on the same planet as us??

:rotfl: :rotfl: What a load of pap!

They've refunded me twice!

stargazer59

it made me laugh too!! So i asked on what day would i get my letter offering the difference between the old charges and the new ones.... she spluttered and said once again we have not refunded anyone!!! I had to put the phone down ..was laughing too much!!!

pigsmightfly

stargazer59 wrote: »

it made me laugh too!! So i asked on what day would i get my letter offering the difference between the old charges and the new ones.... she spluttered and said once again we have not refunded anyone!!! I had to put the phone down ..was laughing too much!!!

:rotfl: :rotfl: They must think we are stupid.

What stage are you at - I presume you will be taking it all the way

I got the full amount off them...twice...even though they don't pay out :rotfl:

stargazer59

i only received my statements on monday..but sent off list of charges etc the same day..was just querying something with them on the phone when she came out with that classic remark!! Oh yes i am going to take it all the way...am ready to file in court next week for charges from HSBC ! Thanks to the people like you on this site who make us all realise that we can do it!

skinttominted

I am just in the final stages of reclaiming charges from my bank, however I am sure i have had a higher total of charges made from my 2 credit card companies over the last few years. Can anyone tell me if I able to claim back cc charges in the same way as the Bank? I have read various articles in the press but appear to be more confused now!
Appreciate any help

pigsmightfly

skinttominted wrote: »

I am just in the final stages of reclaiming charges from my bank, however I am sure i have had a higher total of charges made from my 2 credit card companies over the last few years. Can anyone tell me if I able to claim back cc charges in the same way as the Bank? I have read various articles in the press but appear to be more confused now!
Appreciate any help

Yes you can. I have claimed on 2 credit cards and won the full amount on both

PAWI69

:shocked: oh my word!!!......I've just gone on ebay, because I was having a break from housework, typed in "reclaim charges"...low & behold people are charging up to £20 a throw just to do what we are all doing on here ......someone out there is naive enough to give a complete stranger on ebay ALL their account details in order for them to do this!!! shocking :eek:

Added:...........someone is charging £149...... jeeeez!

MadMaz_3

:mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad: :mad:
I luckily retained all bank statements and calculated that the bank charges totalled with interest just over £5000. I wrote to Branch Manager at Natwest on 26th Feb, received no responce. Wrote again 12th March again no response and then wrote threating court action letter on 22nd and yes you guessed it still no responce.

I know the next step should be MCOL but not easy with no credit card and no money available on debit card. Can anybody suggest any other tactics I could employ to at least get some sort of responce???

I don't want to appear as desperate but as you can imagine I most definately am.

Any good advice gratefully received.

Thanks

esmerellda

might you be eligible for exemption from court fees. ie. income under 15k i think.

if not you can pay with cash at the court - use the N1 form instead of mcol. https://www.hmcs.gov.uk to download the forms. exemption form is ex160.