Reclaim Unfair Bank Charges Discussion Area

lillibeth_2

Hi, can anyone assist? I have sent both the 14 and 7 day letters Nat West asking for my charges to be refunded and have heard nothing. However, I didn't send them by registered post and I'm now wondering if I should resend them (as I have no idea whether they actually got there) making sure that they go registered this time (don't really want to give them another 21 days but don't want them to say 'What letters'!).

Many thanks

britishmeat

Hello,

I have writtem to lloyds asking for them to give me a breakdown of my charges over the past 6 years.

They keep delaying my query by writing to me they are dealing with my enquiry but it is taking time, first letter stated 21 days, 2nd letter stated 4 weeks,

Help

Many thanks

Edinburghlass_2

They have 40 days to produce the information/statements, if they don't you need to complain...

Originally Posted by Edinburghlass
Apart from checking if you can download your statements via online banking, try the following letter and report to the ICO.

Originally Posted by Rex_Mundi
Send THIS LETTER to the bank recorded delivery.

http://www.ico.gov.uk/complaints.aspx

sampy55

Hi there,

I am currently trying to reclaim bank charges from Abbey. I'm now at the MCOL stage as they have basically said no. However, I am a bit worried about court action as I've heard that Abbey will go through with taking you to court.

Has anyone had any experience with Abbey?

Thanks

Daithi51

Hi

My first post ever (not just on this site) so hope I'm doing this right.

I've just registered an online claim against Halifax using the Northern Ireland Court Service site. I used the Halifax registered office address in Yorkshire for this claim. Now I've received an online query from NICS saying this claim will take longer to serve because England/Wales is involved and if successful could only be enforced through England/Wales courts. Should I carry on - i.e. serve the claim on the Halifax registered office - or can I use the address of my Halifax branch in Belfast?

Hope someone can help. Thanks

Daithi51

haughy1

Twinkly wrote: »

You can always add this:

Social Security Administration Act 1992
Miscellaneous
Certain benefit to be inalienable **

187- Subject to the provisions of this Act, every assignment of, or charge on-
(a)benefit as defined in section 122 of the Contributions and Benefits Act;
(b)any income-related benefit; or
(c)child benefit,
and every agreement to assign or charge such benefit shall be void; and, on the bankrupcy of the beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors

Taken from a template here:

http://www.consumeractiongroup.co.uk...-benefits.html

The template must be amended to suit the name of your benefit and apparently must be sent in each time there is a payment due in to stop them taking anything from it, but that it worth the hassle to stop them.

They are breaking the law taking social security benefits. Good luck

Thanks for your response to my queiry Twinkly, I cant find the letter you have recomended through the link, i am having trouble navigating the sight, i am not only new to this sight, I am new to this internet stuff as well so dont quite know what i am doing yet.Is there anything you can recomend i could add to the template letter explaining that Iknow they have done the wrong thing by taking charges out of my benefits. any advice from you will be greatly welcomed. thanx Debixxx

kev2b3

I am the first to admit that I am a bit on the thick side, but is it good news or bad news the decision OFT made for all of us who are still at the first hurdle and are waiting for their six years of statements.

kev

PAWI69

kev2b3 wrote: »

I am the first to admit that I am a bit on the thick side, but is it good news or bad news the decision OFT made for all of us who are still at the first hurdle and are waiting for their six years of statements.

kev

The way I took it when I seen it on the news is that the "big guns" are on our side, not the banks :j hope I'm right!

PAWI69

haughy1 wrote: »

Thanks for your response to my queiry Twinkly, I cant find the letter you have recomended through the link, i am having trouble navigating the sight, i am not only new to this sight, I am new to this internet stuff as well so dont quite know what i am doing yet.Is there anything you can recomend i could add to the template letter explaining that Iknow they have done the wrong thing by taking charges out of my benefits. any advice from you will be greatly welcomed. thanx Debixxx

Took me ages to find it but try this:

http://www.consumeractiongroup.co.uk/forum/general-debt/36790-bank-taking-your-benefits.html


oops looks the same as Twinkly's

PAWI69

Useful info here too...

http://www.adviceguide.org.uk/nm/c_banks_and_building_societies.pdf#search=%22RIGHT%20OF%20APPROPRIATION%20bank%22