Reclaim Unfair Bank Charges Discussion Area

julie237

Hi
I have previously claimed £600 back from HSBC thanks to the info on this site. I now have another problem. I have a new basic account with halifax, and i received a letter today saying they are charging me £39 for a £1 direct debit that was unpaid. The letter is dated 1st may, and the money is coming out 8th may.
There is no way i can afford it to come out of my bank as im a carer for a family member and £39 is more than half of my weekly money.
What can i do about this? do i need to go through the whole letter thing or could i just ring them? do the same rules apply when its an unpaid direct debit?
Thanks for any advice, im sat here now wondering whether to ring them or not

Mandy1980_2

stefnjust wrote: »

Can you help me!! I would like to know if I can claim back money for charges now that my Bank account is shut down?

Yes you can. Request statements/charges the normal way (template letter on this website) but include your name and address at the time of having the bank account. It would also help if you know your old account number?

harrylou_2

Natwest Solicitors have filed a defence.

The court have not sent me an allocation Questionare.

The solicitors have asked me to send all the letters and details, i sent to Natwest, i used all Martins template letters....Is this normal???

sheffiled_girl

Morning all,

I posted on here last week and i sent my letter to first dierct on friday morning asking for £1690 back, i got home yesterday and they have sent me a letter offering £1630!!!! I have of course accepted this, so hopefully some of you guys wont be waiting much longer for yours either!!

Good Luck xxx:A

louisa81

Please could someone help?
I sent off my request for statements by recorded delivery on march 7th.
I have not recieved anything yet (and by my counting the 40 days were up today, 3rd may)
I called them on May 1st to ask if they had recieved it, I was told thatthey recieved it on the 14th April and have 40 days from then to respond.
I checked my recorded delivery code with Royal Mail which says that it was recieved on March 8th.


Where do I go from here? should I call up Barclays and complain again before contacting the information commisioner?

When does the 40 days actually start from? the date i send? the date it's recieved?

What do I actually have to say to the information commissioner?

Paddy_O'Moron

I have just had a (standard) letter from (Sh)Abbey to the effect that the charges are fair, legal, above board, etc. They actually said that the charges represent the ACTUAL COST to them of processing my overdraft excesses. Gosh, I'm starting to feel a bit guilty now. If the unpaid items and the O/D excesses on my account cost them that much, how much did it cost them to pay these legions of Managers who were so very busy looking into my request for a refund of changes? I must be making a HUGE impact on their P&L account.

Do you think I should offer to reimburse them the costs of investigating my claim? Am I being unfair to these people?

Tell you what. I instigated legal proceedings against them last week, as I'm getting confused by all this Abbey obfuscation. Why don't we let the Court decide who's right and who's wrong? I have been informed that they intend to defend this case (I think they say this for all cases). If I have my day in Court, I shall report it back to all you MSEs, and if I do lose my claim, I'll tell you where I went wrong. This will hopefully help all you Abbey claimants in your case against this Bank. Heaven forbid that we should be unfairly claiming back unfair charges.

Watch this space!

Paddy!

danetredragon

I have sent a letter to my branch of Barclays reclaiming charges. I have received a reply and and offer from their Customer Relations Department based in an any entirely different place. I wish to write back rejecting the offer. Do I reply to the Customer Relations Adviser or do I continue writing to the Branch I originally wrote to. I apologise if I am not doing this correctly.

Julieoolie

stefnjust wrote: »

Can you help me!! I would like to know if I can claim back money for charges now that my Bank account is shut down?

Yes you can. Go for it!

MimiJane

danetredragon wrote: »

I have sent a letter to my branch of Barclays reclaiming charges. I have received a reply and and offer from their Customer Relations Department based in an any entirely different place. I wish to write back rejecting the offer. Do I reply to the Customer Relations Adviser or do I continue writing to the Branch I originally wrote to. I apologise if I am not doing this correctly.

I'd reply back to the same place that sent you the offer and send a copy to the branch you've been dealing with.

Vincent_Vega

Hi im not sure what to do now help!

I am in the process of claiming my charges back from halifax however the bank is now charging me interest at the unauthorised rate and charging me £10 every letter they send etc im at a lost what to do now any advice would be hellpful they froze my account but can only do it for a week.