Reclaim Unfair Bank Charges Discussion Area

Rex_Mundi

steviebee wrote:

Hi, im new to this so bare with me!!. I have 2 bank accounts with RBS which I havent used for 6 or more years, I spoke someone from RBS and the said they are still active but I would have to ask my local branch if they would let me use them again. Ive paid rakes in charges oVer the years but have I left it too long to claim? Any help would be much appreciated.

Limitations Act allows claims for up to 6 years (5 in Scotland).

Rex_Mundi

dips1105 wrote:

I have had a rather swift response from Halifax (1st letter only sent on Monday) saying 'they will not refund any charges' and the letter is a tad rude?

Has anyone else had this prob? I sent it to local branch.

This is a normal response. Just move onto the next step.

Rex_Mundi

crysta1010 wrote:

Sent out my 1st letter requesting payment from natwest on 17th January giving them 14 days. Received a letter on saturday to say they are considering my claim and will respond soon. Today is the 14th day, so should I send the 2nd letter threatening court.
Also do I enter my local courts address in the letter

When your 14 days are up, if you don't hear anything more from the bank, move onto the next letter.

Just the name of your local county court is fine. Find your local court in post #6 in THIS THREAD

steviebee_2

Hi, is it all too late to claim on this account then?

Jodi123_2

Have just received an an acknowledgement of service from my bank, they have followed the procedure perfectly and I have a feeling I am not going to be sucsessfull, has anyone else been in this situation?? As I am now feeling deflated!!

xx

eddsup

My credit card company (Capital One) say the money they refund me with be taken off my current balance. Can i ask for the money in a different way, for instance a cheque so i can distribute the money as i feel?

eddsup

steviebee wrote:

Hi, is it all too late to claim on this account then?

No it is not to late. Start with the first stage to find out what your charges were. You can only go back over the last 6 years. Some people have managed to claim longer.

tasman76

Edinburghlass wrote:

You will need to read the papers you signed on taking out your mortgage but it sounds like they "loaned" you an extra £1,500 because you didn't have the deposit rather than "charging" you.

Hi Edinburghlass. Thx for replying to my post. I stay in the southside of Glasgow, and the bank charged me an excess amount (£1,500) on top of the funding I wanted to borrow for my mortgage. I accept the fact that I did not have a deposit and that this charge was used as a precaution by the bank, just in case I defaulted on any payments. However, no such instance arose and I feel that the bank subjects people on lower incomes to higher charges. This charge was on top of the normal arrangement fee, and didn't cost the bank any further time or effort to add this onto my original borrowing (I didn't have the funds to pay the £1,500 at that time).

Any suggestions? Thanks again for your help
Tasman

Edinburghlass_2

Jodi123 wrote:

Have just received an an acknowledgement of service from my bank, they have followed the procedure perfectly and I have a feeling I am not going to be sucsessfull, has anyone else been in this situation?? As I am now feeling deflated!!

xx

Standard reply from most of the banks, just carry on.

Edinburghlass_2

eddsup wrote:

My credit card company (Capital One) say the money they refund me with be taken off my current balance. Can i ask for the money in a different way, for instance a cheque so i can distribute the money as i feel?

You could ask but ... they may expect it is used to reduce your balance.