Reclaim Unfair Bank Charges Discussion Area

forest1975

Ive been a Lloyds tsb customer for 18 years But 3 weeks ago i bit the bullet and started to reclaim charges back.
Ive had no news from them yet even though they have 40 days to comply.
But to my surprise this morning i got a letter charging me another 30 pounds because i was 8 pence overdrawn?
I phoned very politly to see if they would consider waiveing the charges but they had no compassion whatso ever.
So this afternoon i went to my local branch paid the charges and closed my account with them.
Luckaly i opened a new bank account a few weeks ago.
I am so angry at tsb ive been a loyal customer of theres for 18 years but to them it buisness?
Can someone plse tell me if by closeing my account with them will this make any diffence to my claim.
Thank you in advance
1 frustrated ex customer

katecheshire

I have two Nationwide accounts - a sole account and a joint account with my partner. I am just about to do MCOL but do I have to do two separate claims. Thanks in advance!!

Twinkly

Whitey0372 wrote: »

could anyone advise me on this??

I am currently chasing Abbey for 6 years worth of statements. I have received 2 years worth with a letter stating that they will not be able to send the other 4 years worth within the designated 40 days.:mad:

Where do I go from here? Until I know how much is owed, I cannot make a decision on whether to proceed!

Help please.....

I am in the same boat and have received 14 months worth today. They advised that records archived would take a little longer but they arent due until the 28th april anyway. Theyre inundated with requests for details and cant cope with the workload basically. You can either wait until they turn up or you can file complaint at the delay with the Information Commissioner. If mine dont turn up after 28th April I will be at least threatening them that I will do this as it may hurry them up. It just remains to be seen if this will work and you may want to try it. Good luck

Twinkly

forest1975 wrote: »

Ive been a Lloyds tsb customer for 18 years But 3 weeks ago i bit the bullet and started to reclaim charges back.
Ive had no news from them yet even though they have 40 days to comply.
But to my surprise this morning i got a letter charging me another 30 pounds because i was 8 pence overdrawn?
I phoned very politly to see if they would consider waiveing the charges but they had no compassion whatso ever.
So this afternoon i went to my local branch paid the charges and closed my account with them.
Luckaly i opened a new bank account a few weeks ago.
I am so angry at tsb ive been a loyal customer of theres for 18 years but to them it buisness?
Can someone plse tell me if by closeing my account with them will this make any diffence to my claim.
Thank you in advance
1 frustrated ex customer

It wont make any difference except that the amount to be reclaimed now includes that charge. You can alter the amount to be reclaimed right up until filing at court. Good luck

Whitey0372

Twinkly wrote: »

I am in the same boat and have received 14 months worth today. They advised that records archived would take a little longer but they arent due until the 28th april anyway. Theyre inundated with requests for details and cant cope with the workload basically. You can either wait until they turn up or you can file complaint at the delay with the Information Commissioner. If mine dont turn up after 28th April I will be at least threatening them that I will do this as it may hurry them up. It just remains to be seen if this will work and you may want to try it. Good luck

what will the information commisioner do?

forest1975

Twinkly wrote: »

It wont make any difference except that the amount to be reclaimed now includes that charge. You can alter the amount to be reclaimed right up until filing at court. Good luck

Thank twinkly
Just hope it dont get that far ive never had luck on my side?

susan1961_2

Hi this is my very 1st post, i am trying very hard to claim my bank charges back from yorkshire bank, sent off my £10 and 1st template letter, 41 days later YB are saying due to the large request for statements from other customers, they will try and have them sent to me in the next 40 days, are they allowed to do this ,bearing in mind i have just gone onto monthly pay and told them this 6 weeks ago, i am £21 over my overdraft limit, and they are charing me £35.00 a day which by the time i get paid will be a total of £675, i really can not stand much more, and feel that i am not going to get anywhere, has anyone else had this from YB,:mad:

Whitey0372

Anyone know how I go about geting bank account details that have been shut down?

i am thinking of taking Virgin and Midland to the cleaners but dont know the account details!!

Twinkly

susan1961 wrote: »

Hi this is my very 1st post, i am trying very hard to claim my bank charges back from yorkshire bank, sent off my £10 and 1st template letter, 41 days later YB are saying due to the large request for statements from other customers, they will try and have them sent to me in the next 40 days, are they allowed to do this ,bearing in mind i have just gone onto monthly pay and told them this 6 weeks ago, i am £21 over my overdraft limit, and they are charing me £35.00 a day which by the time i get paid will be a total of £675, i really can not stand much more, and feel that i am not going to get anywhere, has anyone else had this from YB,:mad:

I think pretty much most banks are in the same boat and cannot cope with the workload. You can complain to the Information Commissioner after the 40 days is up if you still havent received them and the threat of such may make them appear faster but dont count on it

Twinkly

Whitey0372 wrote: »

Anyone know how I go about geting bank account details that have been shut down?

i am thinking of taking Virgin and Midland to the cleaners but dont know the account details!!

Write to the bank concerned, addresses for the main banks can be found in the first post in the Reclaim Bank Charges Help thread here:
http://forums.moneysavingexpert.com/showthread.html?t=400981

Enclose the statutory fee of £10 for your Subject Access Request under the Data Protection Act. Give your full name, date of birth and full address and postcode. Include any change of addresses whilst holding the account. State the type of bank account and possible dates of opening/closing. They should be able to trace you with all this information.

There is also a free service offered by the British Bankers Association that can help with dormant accounts here:
http://www.bba.org.uk/bba/jsp/polopoly.jsp?d=144

Good luck