Reclaim Unfair Bank Charges Discussion Area

emzzzzz13

ive recently taken the first step in reclaiming my bank charges which is a few pages long......... i was wondering if someone can clear up which charges i can actually claim back. On the the statment of charges i had fail dd unpaid standing orders over draft intrest, overdraft excess fees and account charge just for having the account which of these charges am i actually entitiled to claim back. I thought it was all as the letter asks the bank to send back a list of charges but my partner thinks its just failed DD and standing orders. Any help would be very much appreciated????????

TSB emma

COPPERHEADJACK_2

emzzzzz13 wrote: »

ive recently taken the first step in reclaiming my bank charges which is a few pages long......... i was wondering if someone can clear up which charges i can actually claim back. On the the statment of charges i had fail dd unpaid standing orders over draft intrest, overdraft excess fees and account charge just for having the account which of these charges am i actually entitiled to claim back. I thought it was all as the letter asks the bank to send back a list of charges but my partner thinks its just failed DD and standing orders. Any help would be very much appreciated????????

TSB emma

claim back ALL CHARGES except intrest

halifax requested refund 30/03/07 ( no letter received as yet)
barclaycard requesting charges list 30/03/07 (they received letter 02/04)
halifax CC requesting charges list 30/03/07 (they received letter 02/04)
Natwest requesting charges list 30/03/07 (they received letter 02/04)

COPPERHEADJACK_2

finn1983 wrote: »

Hello there people.
i was just wondering if anyone would be able to help me here... i'm looking for the address' that i should be posting the inital letter to the banks i'm with
The first being Nationwide
the second HSBC!
i thought i had the right address' but my sister is saying that it's another address i need for both of them
i had the head office address for one but she has told me something about the data protection part of the bank that i need and it's got me all confused!
if you can give any help it will be greatly appreciated !
thank you

click on the bank charges help thread and it will give you all the address to send your first letter to

try this http://forums.moneysavingexpert.com/showthread.html?t=400981

izzy-wizzy_4

izzy-wizzy wrote: »

Hiya, quite new to this so sorry if i,ve posted to wrong place. I could really do with some advice if anyone can help?

I have a lloyds bank overdraft of £350. My balance is currently at £711.
I have an arrangement to pay £50 per month to reduce balance.

This was before I knew about claiming back charges. I'm currently trying to claim back £1125 which would pay off the overdraft with some left.

I'm was on the second letter to lloyds and have received what seems to be a standard letter saying they will pay nothing. I'm going to file an online claim but can't afford the £120 court costs probably until the end of May.

Do I keep paying the £50 per month whilst this is sorted? They have written separately to say my arrangement with them is up now so I need to telephone to make another or pay overdraft in full.

On the one hand I'm claiming enough to cover the overdraft. On the other if I dont carry on paying could they take me to court before I can afford to take them?

Hi, Lloyds have now written to me offering to put the whole overdraft onto a loan. Does anyone know if this is a good plan? Not sure whether they are trying to help or being sneaky and up to something! Would be really grateful for any advice.

izzy-wizzy

Twinkly

izzy-wizzy wrote: »

Hi, Lloyds have now written to me offering to put the whole overdraft onto a loan. Does anyone know if this is a good plan? Not sure whether they are trying to help or being sneaky and up to something! Would be really grateful for any advice.

izzy-wizzy

My advice is a flat out NO.

Do Not put this onto a loan of any sort. You have already stated that the reclamation of charges will more than cover the remaining overdraft and leave you with money over. There is no sense whatsoever to agree to a loan to cover these charges in the meantime. Carry on paying the £50 per month - think of it as a savings plan. The more you pay in the agreement already in place the more you will eventually have left over after reclaiming.

LINDSEY321

LINDSEY321 wrote: »

Thanks for the help, please see below-
'I am claiming for all bank charges taken from me over the last 6 years, I have sent 2 letters requesting them back. 1 Letter on 2nd March for £1144.06 and 1 letter on 19th March for £1147.31 which includes added interest upto 16.03.07 but have not recieved any settlement yet. I am requesting £1147.31 in total. This is £891 in charges and £256.31 in interest upto 16.03.07.

The claimant claims interest under section 69 of the county courts act 1984 at the rate of 8% a year from 31.08.02 to 16.03.07 of £256.31 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 0.016%.

thanks in advance for any advise you have.

Lindsey

Please can anyone help me and advise if above info is enough that I have put in my court claim.
Thanks

fosters25

I have used all the standard form letters offered on this fabulous site and now have received a second response from Barclays, offering to settle my claim of £4,660 for a "good faith" offer of £1,980. They claim all charges are standard, and published, and they are sorry I am unhappy with the historic charges. I can get a refund applied to the account within 7 days if I settle. They also give me the phone number for the complaints manager.

This offer has come in 10 days after my second letter asking for a response within 14 days.

I am clearly inclined not to settle, as the offer is less than 50%, and to take them to court. Any suggestions?

Only other possibility I suppose is to try their complaints manager phone number and see if that has an effect....

shoe_2

hi everyone
has any body got a contact num for Lloyds tsb recovery for charges before i take the next step via MCOL this as been going on since the 8th of march ? the only contact i have is telephone banking.xx any help please.xx

paul1e

emzzzzz13 wrote: »

ive recently taken the first step in reclaiming my bank charges which is a few pages long......... i was wondering if someone can clear up which charges i can actually claim back. On the the statment of charges i had fail dd unpaid standing orders over draft intrest, overdraft excess fees and account charge just for having the account which of these charges am i actually entitiled to claim back. I thought it was all as the letter asks the bank to send back a list of charges but my partner thinks its just failed DD and standing orders. Any help would be very much appreciated????????

TSB emma

Emma

You can claim all charges except the interest and I do not think you can claim the account charge as some accounts you have to pay for if they offer you added benefits, check out the reclaim help thread for a comprehensive list...

http://forums.moneysavingexpert.com/showthread.html?t=400981


POST 4

Twinkly

fosters25 wrote: »

I have used all the standard form letters offered on this fabulous site and now have received a second response from Barclays, offering to settle my claim of £4,660 for a "good faith" offer of £1,980. They claim all charges are standard, and published, and they are sorry I am unhappy with the historic charges. I can get a refund applied to the account within 7 days if I settle. They also give me the phone number for the complaints manager.

This offer has come in 10 days after my second letter asking for a response within 14 days.

I am clearly inclined not to settle, as the offer is less than 50%, and to take them to court. Any suggestions?

Only other possibility I suppose is to try their complaints manager phone number and see if that has an effect....

My suggestion is to write and accept the payment in partial settlement without prejudice and advise you will continue to court to reclaim the remainder of the original amount. I'd advise to get any terms of acceptance of this amount in writing with a clear date for payment. Telephone calls are too easy to deny as having taken place and you need proof of what you are accepting and to read carfeully any terms and conditions before doing so. Dont get caught out and good luck