Reclaim Unfair Bank Charges Discussion Area

Marmalord

Greetings,

I would be most grateful if someone can offer any advice on this one for me.

I bank with LloydsTSB, last year when I first heard about being able to claim back bank charges I started the process of doing just that using this site as my guide.

I went through the process that was needed to get copies of my statements back, and worked out the interest using the calculator, and then on June 6th 2006 wrote demanding my money back. The amount I asked for was £1645.84p (31350 of charges and £295.84p of interest).

I got a letter back essentially saying that they did not believe that they should have to pay them blah blah blah- they said that they would keep their file open untill September last year and then they would close it (however they did state that they would reopen it after that time if needed).

Because I was concerned about bank account closures and the potential impact on my credit card account (also with LloydsTSB) I did not persue it further at that time.

Now that a couple of people I know have successfully claimed and because it is quite clear that I am entitled to this money back, I want to continue with the claim and persue it untill I have been reinbursed.

However, what I would like advise on is this:

Now that we are in April 07 the earlier months that I was originally claiming for have fallen out of the 6 year period, there have been a few recent charges to be added but the 6 year period from now totals £1105 of charges and £214.23 of interest a total of £1319.23

My question is, having sent the letter demanding money in June last year, can I know send the next letter stating that my previous letter from last year has not been satisfactually resolved - and demanding the money back in the next 14 days before going to court? And if so, I assume I would need to claim the new £1319.23 amount rather than the original £1645.84p?

Any advise would be great.
Many thanks
M

frogpad

I believe the 28 days were up on April 5th

kellbell_3

Hi
I wonder if anyone can help me. I made a claim against HSBC for £1484.50 plus interest. I have filled the claim with MCOL and they have 10 days left to put in a defence.

I recieved an offer letter from them last week for £1313.55 which i am not happy to except seeing as i have now paid out £120, and i am entitled to the interest aswell as the court cost making my claim £1922 in total.

However in their letter they noted that i went past the 6 years, all by 2 months, which was a total of £5 of charges, also that i agreed to a charge of £20 over the phone (which i dont rememember but hey ho!)

I tried calling HSBC today but they said that they can not discuss over the phone and any quiries will have to be put into letter and the investigation will be reopened.

I have now wrote this letter:

I cannot accept your offer of £1313.55 as full and final settlement of my claim. I will accept this as part payment and without prejudice, but will continue my claim for the rest. I have made a reasonable effort to settle this claim before issuing a court claim, but you ignored my efforts to settle this.
Following on from your letter dated 2/4/2007, I accept your points to certain refunds you can not make, therefore I have reduced my claim by the amount that you dispute, which is £25. This makes my total to claim now £1459.50. I have attached a new spreadsheet detailing this. Seeing as I have now had to issue a court claim because of your failure to deal with my claim in a timely way, I am entitled to claim for the full amount of £1459.50 in charges + £319.44 in statutory interest + £120 court fee, totaling £1898.94 plus any other fees that I will incur should this go further.
However, I am willing to settle for £1800 as full and final settlement to drop the case, therefore leaving £486.45 left to pay.

Could some one please tell me if i have ruined my chances with the MCOL claim seeing as i was a few months over the 6 years so the amounts are now different to what i am requesting in this letter??

Any suggestions will be greatly appreciated before i send this letter off!!!

Thanks

lady_of_the_lamp

Hi after reading this site decided to try to reclaim my bank charges with NATWEST. Sent frst letter april 3rd 2007 requesting statements. Have £300.00 overdraft went £20.00 over limit continue to charge £28.00 plus intetrst per month debt now£658.00 and still being gharged any recent news on whats happening with settlements from natwest still paying up.Can any one tell me for egg credit card can you still use first letter to request charges back

laurelle1

Dear Andy,

Here is the telepehone no. for Halifax Head Office, 01422-332598. I've rung them on numerous occasions and they have refunded odd charges there and then.

This no. is actually the Directors Office and is not generally known by Bank Users. I've had £1,000 refunded in Bank Interest Charges (in Aug 2006). I used this no. every time there was a problem and heard from them pretty quickly. This is the highest level of the chain, you can't get any higher than this, apart from the Chairmans office (don't have that no. yet, but am on the trail!!).

Speak to them directly every time they stall you, or you don't get replies to letters!!

Let us know what happens


Laurelle:rotfl:

andy757 wrote: »

I am in the processing of claiming £529 in charges from Halifax. My first letter was sent on 11th March. No reply. My 2nd letter was sent 30th March. No reply. In the mean time, Halifax continue to apply charges on things like standing orders that I cancelled in early March.

My branch manager has told em that someone in head office is dealing with my complaint and yet I have received nothing in writing to acknowledge my letters.

How do I deal with these people if, when I call them, all they say is for me to pay the difference between the balance and the agreed overdraft, which is currently £568.00. When I write to them, as I've done twice, they ignore me.

Halifax are out of control. H E L P !!!!!

pigsmightfly

lady_of_the_lamp wrote: »

Can any one tell me for egg credit card can you still use first letter to request charges back

Hiya!

I'm claiming from Egg and used the same letter just reworded it slightly to say credit card etc.

Be warned though Egg play har dball so don't give in when you get letters from them....I'm at court stage with them at the moment but know I'm in the right so sticking to my guns

nickmack

maxwell-bella wrote: »

I have given my bank 40 working days to send me the info I requested under the Data Protection Act (along with a cheque for £10.00) and they have failed to send this to me.
I have sent them another letter stating that I will be claiming an estimated amount in charges as I am unable to give an exact figure. I gave them another 7 days to respond to this and as of yet have not heard anything.
Should I now proceed with court action?

It is not recommended that you estimate charges. If you file a court claim and are asked for evidence of the charges, how will you supply this?

I suggest you contact the bank and the Data Commissioner and let them know they're in breach. If they still refuse to comply, one option is to take them to court to force them to comply with the Data Protection Act.

In short, get your charges straight first before you think about filing a court claim.

lady_of_the_lamp

tanks for reply better get started

savvysass

I cannot offer any advice im afraid, im sure someone will be along who can, but I do know it has been said lots of times that you should never estimate your charges as this could be used as a defence for the bank.

Good luck

Big_mac_7

Please help, I have gone through the procedure of writing letters and requesting Abbey to pay me back for all the charges. They have refunded approx. £150 but I have calculated I am due about £5000, now they say if I am not happy I should contact Financial Ombudsman (as I live in Scotland) Has anyone else done this and if so, what was outcome??