Reclaim Unfair Bank Charges Discussion Area

eddsup

Im on the HMCS Money Claim website just to put my claim in.

In step 5 of 8 what is best to write in the 'Particulars of claim'

Will this be a statement from me be used in the court if it ever goes that far, and if i write something more fancy have i got a better chance?

Edinburghlass_2

eddsup wrote:

Im on the HMCS Money Claim website just to put my claim in.

In step 5 of 8 what is best to write in the 'Particulars of claim'

Will this be a statement from me be used in the court if it ever goes that far, and if i write something more fancy have i got a better chance?

This is the thread to read...

http://forums.moneysavingexpert.com/showthread.html?t=353590

and

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

eddsup

On the HCMS Money claim Website, were you enter your details of amount that you are claiming do i put anything in the 'Solicitor's costs'? Im claiming £1140

And there is also a button to check if you want to reserve the right to claim interest.

My claim is including interest worked out from Martins calculator. Do i check this box?

eddsup

eddsup wrote:

On the HCMS Money claim Website, were you enter your details of amount that you are claiming do i put anything in the 'Solicitor's costs'? Im claiming £1140

And there is also a button to check if you want to reserve the right to claim interest.

My claim is including interest worked out from Martins calculator. Do i check this box?

See the above post from 'Edinburghlass'

Fantastic info

hollydays

Going to start my claim with Lloyds soon.

vikki2k1

i want to start a claim with my barclays account as i have had a lot of charges since i opened the account 3 or 4 years ago.
i also have an £1100 overdraft and am £300 over that!
will i be able to claim back my charges while this much over or would i be best to repay the £300 first?
i do not have a clue where to start with this either.
where do i get the template letters which i need from?
sorry its long
thanks

nickmack

vikki2k1 wrote:

i want to start a claim with my barclays account as i have had a lot of charges since i opened the account 3 or 4 years ago.
i also have an £1100 overdraft and am £300 over that!
will i be able to claim back my charges while this much over or would i be best to repay the £300 first?
i do not have a clue where to start with this either.
where do i get the template letters which i need from?

You need to be careful in case the bank decide to close your account. It has happened and the overdraft would be repayable (usually) within 28 days.

The guide and letter templates can be found at the top of the main forum.

Edinburghlass_2

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

Jackswan_2

eddsup wrote:

See the above post from 'Edinburghlass'

Fantastic info

On the calculator it asks when was the charge, if it is over a period of time
say five years, do you insert the start date of the amount claimed period ?

fraught

Hi
Have just signed up to site so am a money saving virgin!

Hubby and I are thinking of claiming bank charges back but I'm concerned with what I've read. We've run a £10k overdraft with Nat West for years and the total bank charges will be considerable. I think we've kept them in business! But if they pull the plug on it we will be stuffed as we couldn't possibly repay it immediately.

Any advice?