Reclaim Unfair Bank Charges Discussion Area

suzysong

Thank you Newmum1 and Paul1912,I will bear with it thanks for your inspiration Well done

sheashea1

linziloo wrote:

Can anyone give me some advice? Ive just wrote to my bank, Natwest, asking for a copy of my charges for the last 6 years and sent a cheque for £10. I have received a reply today stating that it is not a service that the bank provides and i could request a copy of each statement for £5 each. I have read somewhere that they must provide a copy of these charges due to DPA. I never got my cheque for £10 back either!!
Thanks Lindsey

From reading the various posts I have found that people who get the reply that you have, wrote to your local bank or head office. You need to write to the data protection team. eg Abbey's is at Milton Keynes whereas their head office is in London.
If you go back to Martin's original page on the site about claiming the charges there is a link that some lovely person has written out all the relevant data protection addresses for most of the banks!

I myself have just sent the data letter out for myself and my partner.

I have gathered that for the
a) printout of charges - Data protection address
b) actual request for money back - local bank
c) going to court - Head Office

I will gladly stand corrected if this is incorrect. Hope this helps!!

Edinburghlass_2

No, you're right, list of addresses is in this thread...

http://forums.moneysavingexpert.com/showthread.html?t=304064

IDIDIT_2

Richiefitz3007 wrote:

Hi, some one answer me a question. Now i've submitted claim. How will i know if they have submitted defence? Will they write to me or will it say on money claim?
Cheers

OK on MoneyClaim you will see a change (it will change to 'defence') and you will get a letter confirming this. Then on MoneyClaim it will change again (2 weeks for me) to 'The Defendant disputes the whole amount you have claimed. Your claim cannot proceed online and will be transferred to the appropriate court for continuation. You will receive confirmation to where the claim has been transferred to shortly.'
You will get a form to fill in and you along with the bank will need to gather the information and get it to court - I think within 28 days. This is to waste more time hoping that you will pull out - you will get a court date, but just before the date you will get an offer from their solicitors!!!!

fehrenufski

Hi there,

I have been with Natwest for 6 years now, started it as a Student account. At the last count there have been over 1000 charges for unpaid items, going over overdraft limits, card misuse, charges for bouncing items. But I have a 2000 overdraft with them and I'm afraid that if they close my account ill have trouble paying it back or opening another. I worked out that in the last two weeks I went over my limit by £20 and have been charged over 200 for the consequences of only being paid weekly. Now I'm in a spiral. But I'm too afraid of losing my account. Any advice wouldbe gratefully recieved. Daft thing is I got paid the day after the overdraft incident but now have no money at all!

acheekymunky

Hopefully the total you would get back from the bank would more than cover your overdraft of £2000?! Then it would be cleared

jas135

wow ,wowee

This thread has made me feel so much better about everything !!
I truly believe that I will be able to claim back 10s of £1000s using this format !!! I have used massive overdrafts and high bank loans over the last 4-8 yrs and feel like I have been screwed by these big banks . In 1 yr alone ( 2000) I have guesitmated around £10k in unauthorsied overdraft fees , bounced cheques , unpaid dds . So all this week i am fine toothcombing all my old records of accounts to make this is a massive reclaim of these bank @@@@ers !!( dam i wish i could swear now ! ).
I really dont know the right way to initially approach this as I know my overall claim will be big ( around £30-60k ) at a guess .
So I will be keeping a close eye on this forum and keeping other people informed of my progress along the way as everyone needs to know the Banks little tricks and traits that will try and put you off doing this .
Cheers to all who are pursuing this !

Old_Bag!!!

This is my first time in the forum!

i have just posed 3 letters 'Recorded Delivery' claiming charges back!

Nationwide £ 1249.77

Capital One £ 682.00

Yorkshire Bank £2150.00
(Yorkshire closed my account because i was £1500 overdrawn!!, has anyone had any luck with these, dont seem to see anything posted)

Fingers crossed, im prepared to go all the way, it's bad enough them taking it but when they know they cant it's theft!!

il keep you updated

xxxxxxxxxx

edin_gal

hi there new to this so bare with me im thinking about reclaiming bank charges should i telephone first or write to them ?

Edinburghlass_2

edin_gal wrote:

hi there new to this so bare with me im thinking about reclaiming bank charges should i telephone fist or write to them ?

If its just a couple of charges I would perhaps phone first but obviously if its a lot of money always put everything in writing.

Step-by-step Guide: Reclaim Unfair Bank Charges Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details, Initial letter, Second letter, Small claims note Article: Top New Bank Account