Reclaim Unfair Bank Charges Discussion Area

susanandmick

just wondering if any one can help me, i have just send my secound letter off to halifax asking for all my charges back, but im a bit worried, i have been to a few bank asking to open a new account, but with a bad credit history and no passport or driveing licence i cant seem to get one, does anybody no where i can go? please any help much apprciated.

racool

IZZY01 wrote: »

Hi racool, I too am from Scotland and my claim is for well over the £750. small claims limit. I am also with the BOS and my situation was very similar to yours. eg. having an o/d and paying charges for exceeding it, which made the balance even higher and getting more charges and so on...

Thanks Izzy for your help it is mucho appreciated:cool: after looking around it seems to be the BOS are the biggest offenders when it comes to charges like this...its a sad day when they are robbing people blind in order to make profit:mad:

DIANEKING

just got letter today from nationwide saying that they do not agree to my charges being refunded. They only refund in exceptional circumstances also said that at the time when we opened our account we agreed to abide by the terms and conditions! the charges were £530 over six years do relise that they mainly due to insufficient funds or one charge coming out then being charged for not having money in to cover another direct debit because they took theirs, should i except this or send them the next letter taking them to court as was relying on that money coming through. PLEASE SOMEONE HELP, the thought of going to court scares me have not been there before!!!!

carrieok85

feedering wrote: »

All you need to know is here

Hi, Thanks for that but the link doesn't seem to be working

carrieok85

Beate wrote: »

You have two options: Refuse the cheque and send it back, saying you are not prepared to accept anything less than the full amount + court costs.

Or you could bank the cheque and send them a letter like this:

"I cannot accept your offer of £xxx as full and final settlement of my claim. I will accept this as part payment and without prejudice, but will continue my claim for the balance. I have made a reasonable effort to settle this claim before issuing a court claim, but you ignored my efforts to settle this. Seeing as I have now had to issue a court claim because of your failure to deal with my claim in a timely way, I will now settle only for the full amount of charges + statutory interest + court fee."

In this case you will need to inform the court that part of the claim has been paid, and amend the amount you are now claiming for. I am not sure what that entitles though.

Hi, Thanks for that. I think we are going with the first option, what would you write in the letter and do you send the letter to the bank or the court? Sorry to be a pain asking all the questions

cnoelj

DIANEKING wrote: »

just got letter today from nationwide saying that they do not agree to my charges being refunded. They only refund in exceptional circumstances also said that at the time when we opened our account we agreed to abide by the terms and conditions! the charges were £530 over six years do relise that they mainly due to insufficient funds or one charge coming out then being charged for not having money in to cover another direct debit because they took theirs, should i except this or send them the next letter taking them to court as was relying on that money coming through. PLEASE SOMEONE HELP, the thought of going to court scares me have not been there before!!!!

Send them the next letter and press on. The charges are unlawful and the banks know it.

This will not get to court. The banks do not want to set a precedent in law because it will then be even easier for people to get their money back.

You may or may not have to go through all the procedure but the bank will pull out before the hearing date. I have yet to hear of anyone going to court

garagegirl6969

hi just wondered if anyone could help me barclays have full mount £480.00 after 1 letter they state that this is in full and final settlement. does this mean in future we could no claim again?

sophiecat_2

sophiecat wrote: »

I sent a request to M.B.N.A for my bank charges totalling £500. Then L.B.A . Due to file court claim this coming weekend, but something odd has happened!! I received a letter from M.B.N.A this morning saying thanks for asking for a list of all your charges (i hadn`t as already had statements), they total £716 pounds. Do i have to start at the beginning again? i don`t want to lose the extra money. Can anyone advise please? thanks x

Please can anyone help?x

cascade_2

Can some one who have used Martins interest calculator succesfully please explain it to me: example bank charged £56 on 31/05/2001 calculator reads:
interest -£10.8 total to claim ££45.2.

I would have expected calculator to show charge £56 + interest ie giving a total figure larger than £56.
any explaination.

here`s hoping

opmist???

MimiJane

cascade wrote: »

Can some one who have used Martins interest calculator succesfully please explain it to me: example bank charged £56 on 31/05/2001 calculator reads:
interest -£10.8 total to claim ££45.2.

I would have expected calculator to show charge £56 + interest ie giving a total figure larger than £56.
any explaination.

here`s hoping

opmist???

Just input your £56 into the calculator and it shows interest at £26.56 = total of £82.56.