Reclaim Unfair Bank Charges Discussion Area

VPankhurst

Originally posted Rich 1968

I started court proceedings as soon as they replied to my first letter asking for return of unfair charges, ignoring my request and stating they would be looking into my complaint. I am pleased I did because on the due date 2nd April,when they promised a reply, they sent a further letter saying they had to collate matters and would not be able to reply until 5th May.

EvSharp42

Tomsmum wrote: »

I ditched Natwest precisely because they were charging me so much in late charges etc. Are they still obliged to do all of this even if I no longer bank with them?

We've been serially crap with bouncing cheques for well over a decade - be great if there was gold in them there hills!

:j

I did the same with Alliance & Leicester and now want to claim too. It was a number of years ago.

Please can someone tell me exactly what date I can legally start my claim from?

Thanks!

angel31572

Here's a new one! My friend wrote asking for her statements a couple of months ago. First of all, they sent statements from a charge-free account. Then, today she received a recorded delivery letter telling her if she wants the statemnts she has to go into the City Centre branch with ID to pick them up herself! Cheek! lol

gmb_2

I have sent two letters to Barclays claiming £2,448.00 (without calculating interest) they have replied offering me a goodwill guesture of £1,800 which I refused they sent another letter saying £1,800.00 is their final offer. What now do I take Court proceedings? I phoned them to see if I could get some more but they said it was the final offer and I could go ahead and take them to Court if thats the way I felt.

fenderstratz

MimiJane wrote: »

I would do, as the second letter states you "have not received a satisfactory response", which is correct. They've taken their time in sending their reply, but it's all just delay tactics, so I'd continue to follow procedures and send your second letter.

Thanks for the advice, i will send my second letter off in the morning.

grimreaper

gmb wrote: »

I have sent two letters to Barclays claiming £2,448.00 (without calculating interest) they have replied offering me a goodwill guesture of £1,800 which I refused they sent another letter saying £1,800.00 is their final offer. What now do I take Court proceedings? I phoned them to see if I could get some more but they said it was the final offer and I could go ahead and take them to Court if thats the way I felt.

to be quite honest id take the money your 1800 better off

almond

hi
just a little help first sorry if the question has already been answered.
I sent my first letter to lloyds asking for statements 21.03.07
for period that I was'nt able to view on my online banking.
Along with a request for charges that I could view.
got the standard letter back so on 30.03 sent second letter with a statement
from this site outlining my charges.
I have'nt heard anything back when do I fill in the form to take them to court?
is it 14 working days I need to give them. Also do I need to do anything else.
thanks

fluffyturtle

Hi

abbey failed to defend their case against me. after advice from here i sent a letter to them giving them 7 days to pay up. as expected i received no repsonse so filed a warrant on saturday. my question is this, does anyone know how long this warrant process takes and how long, on average, one could expect to wait before settlement please?

Thanks

mosaic_2

Dr
Quote:
Originally Posted by gmb View Post
I have sent two letters to Barclays claiming £2,448.00 (without calculating interest) they have replied offering me a goodwill guesture of £1,800 which I refused they sent another letter saying £1,800.00 is their final offer. What now do I take Court proceedings? I phoned them to see if I could get some more but they said it was the final offer and I could go ahead and take them to Court if thats the way I felt.

Personally that just would rev me up..I'd threaten to take them to court (with interest!). Its your money not theirs! BUT if your curcumstances are stressful eg. if you're in real trouble with finances/illness whatever... Then its your discernment whether or not it's worth the stress. So you could take the money and run vowing never to let them get their unlawful hands on your money again.
Well done for having the courage to get this far.

Neverhaveenoughmoney!

Hi, I am new to here but thought it the best place for help on reclaiming my bank charges. I have a basic Halifax account, just a cash card, no overdraft etc.... I am always being charged for failed direct debits at 39 pounds a time. Recently charged that for a 5 pound direct debit. I cannot go overdrawn unless its the bank that wants the money and then I do because they take the money they want. Am I right in claiming all of these charges back. It is only these charges that I get for failed dd's but there has been quite a few in the past 6 years. Thank you in advance.