Reclaim Unfair Bank Charges Discussion Area

hstar

Twinkly wrote: »

That is the correct address and send your second request by recorded delivery so you can prove it was posted and received. You can track its receipt online at the Royal Mail site. You may find you have the same trouble with the rest of the institutions you are claiming from but lets hope not. Good luck

Thanks for the above , yes i sent all letter recorded delivery , thankyou for confirming the address for me .:D

TITCH

Can u help ulster bank northern ireland are not being helpfulat all no word from them, and they have only paid out one claim in my branch. Where do u go to if your claim is over the limit for the small claims court. PLEASE PLEASE HELP ME

TITCH

Edinburghlass wrote: »

Welcome to anyone coming to this brand new board after reading Martin's updated article on the Main Site

To any users who haven't had an answer to their question on the old discussion thread please feel free to place it here and hopefully someone will have an answer for you.

If you want to ask a question about a specific bank please check the boards to see if you can find a dedicated thread to your bank and pop your question on there.

Don't forget to put your Success story on this thread when you complete your claim and good luck.

Can u help ulster bank northern ireland are not being helpfulat all no word from them, and they have only paid out one claim in my branch. Where do u go to if your claim is over the limit for the small claims court. PLEASE PLEASE HELP ME

Twinkly

aglerlea wrote: »

hello i'm new 2 this, so not sure wot i'm doin. Havin problems with Abbey they have sent me a year of statements and say the rest is on microfich where do I go from here plaese please help!!

Have they refused to send the rest of details as they are microfiched ? Or have they advised that microfiched information will be sent seperately ?
The latter is what they should have advised. If they are refusing to send them at all write and state that microfiched details are to be represented in comprehensible form for you and that you are entitled to receive these details as per the Data Protection Act within the statutory 40 day time period for such requests. They do take a little longer though and it is up to you whether you will wait longer than 40 days or make complaint to the ICO. Good luck

Twinkly

sophiecat wrote: »

Hi,
I have a savings account with RBS. i was just looking through my statements only to find lots of little charges on there.I rang the bank who informed me i was only allowed to withdraw three times from this account in any quarter, and if i withdrew anymore times than that i would have to pay a penalty charge of £1.50. Its adding up to quite a bit. I`m cross because nobody told me about these penalties! Does anyone know if i can claim these charges back? I`ve looked at the list of things you can claim in the help thread, but i`m still not sure?

These charges will be service charges for using your account outside of its terms and conditions. I presume it is a high interest account and these penalties exist to stop you taking money out too often. As service fees they are not reclaimable sorry

Twinkly

P_Foot wrote: »

Can you claim bank chargers from Business accounts? My husband has had an account for over a year, but last week the bank sent him a letter saying they were going to charge him over £100 for setting up an account for 07/08, but it is already set up. He gets charged for all kinds of stupid things. :mad:

You can reclaim from business accounts and there is a thread here dedicated to this subject:
http://forums.moneysavingexpert.com/showthread.html?t=270122

Good luck

jan5holiday

hi hope you can help am fairly new to this site and have not posted anything before. I am currently claiming bank charges from Yorkshire Bank. Have received my statements finally from them and have totalled everything up to £1146 I am now ready to send my letter asking for these back.

Probably being a bit thick but do I have to list all individual charges have looked on template but not sure or could I just send them photocopies of the statements.

all help greatly appreciated I am determined not to let the bank win

mrsorganised

hi,
I have just completed my online money claim. After the 5 days of the claim being serviced. the bank has 14 days. Does that include weekends or is it working days??

MimiJane

jan5holiday wrote: »

hi hope you can help am fairly new to this site and have not posted anything before. I am currently claiming bank charges from Yorkshire Bank. Have received my statements finally from them and have totalled everything up to £1146 I am now ready to send my letter asking for these back.

Probably being a bit thick but do I have to list all individual charges have looked on template but not sure or could I just send them photocopies of the statements.

all help greatly appreciated I am determined not to let the bank win

Yes, you will have to do a spreadsheet listing the charge date, reason for charge and amount. You can either do an extra column now to include 8% interest if you wish to try and claim that now, or add this at a later stage if/when if gets to court. If you want to add on your 8% interest, you will need to use Martin's calculator (see home page) and insert each individual charge amount as it's based on when the charge was incurred and how much it was for.

Hope the above is clear and good luck

Thor92

TITCH wrote: »

Can u help ulster bank northern ireland are not being helpfulat all no word from them, and they have only paid out one claim in my branch. Where do u go to if your claim is over the limit for the small claims court. PLEASE PLEASE HELP ME

Hi Titch i'm having problems with the Ulster bank as well, I sent of for my default charges on the 26/02/07 and as yet I have not received any correspondence from them at all. I then sent another letter on the 20/04/07 giving them 7 days to send out my default charges or i would send copies of my requests to the Information Commissioner.

This is who i'm taking on

Ulster Bank first letter for default charges 26/02/07
Ulster Bank sent second letter for charges 20/04/07

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Citi Cards first letter for default charges 26/02/07
Citi Cards received default charges 18/04/07
Citi Cards sent of second letter 18/04/07 for £1300.96 with inter

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Birmingham Midshires, Mortgage first letter for default charges 18/04/07
Birmingham Midshires, Mortgage received default charges 25/04/07
Birmingham Midshires, second letter 25/04/07 for £1485.99 with inter

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Sterling Credit, Loan first letter for default charges 05/04/07
Sterling Credit, Loan received default charges 24/04/07
Sterling Credit, Loan second letter 25/04/07 for £272.76 with inter

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Woolwich, Mortgage first letter for default charges 18/04/07

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Halifax Card first letter for default charges 25/04/07

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Studio Cards first letter for default charges 25/04/07

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Abbey first letter for default charges 05/03/07
Abbey received default charges 24/04/07
Abbey second letter 25/04/07 for £3223.95 with inter

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RFS Limited, Loan first letter for default charges 25/04/07