Reclaim Unfair Bank Charges Discussion Area

jayneg_2

I have asked the question and been told you cant claim back the interest the bank has charged. Can this not even be claimed back at the court stage? After all, these huge interest charges in excess of 29% have accured on charges the bank shouldnt have made. So, can the interest the bank has charged be claimed back at court stage - the 8% claim that we can make at court stage I assume is something different - sorry I have been going on about the interest but still cant quite get it straight as to whether you can claim back the interest the bank charged you!!

saver6

OK, so I received an offer from the bank last night to pay me £434 of the £900 odd they owe me. I'm happy to keep going and today is the day I can file a claim, but how do I go about accepting the existing offer as partial payment - do I just write them a letter to that effect and file a claim for the difference? Or ignore the offer completely and file for the full amount?

dmcguire275

We have been through the procedures and have received from the court an acknowledgment of service.

Abby National have said that they are intending to defend the whole of the claim, what does this mean? and is it normal procedure? or am i to be the first scapegoat in britain?

Onions

Hi all,

I have claimed a whopping £9811.42 back from Lloyds TSB.

I have had a response back saying what appears to be the usual gumf, stating terms and conditions etc.

I am now sending the 'I will accept a provisional offer letter' stating without prejudice that I will accept £6000.

BUT, what court do I claim from? I thought Small Claims was £5k and less

Thanks for your help in advance!

Si

JILLYBILLY_2

freakybritgal wrote:

:eek: :eek:
Hi
i got my statements for 6 years yesterday it only took 4 days and they charged me five pounds for my statements ,i added all my charges up it came to £3190 pounds sent my letter and list of charges to natwest now i am just gonna sit tight and hope for the best .
best of luck to you as well
freakybritgal

I sent my letter claiming £7259 on the 18/1 received letter from Nat West on 27/1 saying they are currently considering my claim and will respond as soon as possible. No response yet and their 14 days are up tomorrow - not sure what to do really , whether to wait a bit longer for a response or just start the claim.Can anyone reading this help me out? How you getting on?
regards Jillybilly

paul1e

Hiya, I'm new to this thread but having looked thru it need to ask the question 'can you claim back charges from credit card company's as well'?
As i was assuming it was just bank charges that could be claimed??

theozziend

Despite having received a phone call from them asking me if I would care to meet to discuss my "problem", which I accepted and the appointment should have been today, they failed to confirm the appointment in writing, as promised. As I had no idea where to attend or who to ask for, I have written to them to say I will not be attending the appointment, and as I was told during the conversation that the material I had requested was to hand, I asked them to forward it to me. Yay! Received yesterday statements back 6years and a very nice covering letter explaining how to read them, and thanking me for banking with Barclays. I have been through the statements and marked up all the charges - they amount to £3,490!

Quick question - over the period I have paid a monthly account charge, rising from £6 and gradually increasing to the current level of £13.00 - this is for the additions account, which gives me my overdraft. However, in addition to this in many months they have also charged £20 for "unauthorised overdraft". In later years this was superceded by the "paid referral" charges. I know that I can claim the paid referral charges, but can I claim the £20 charge for unauthorised overdraft?

I don't know whether to go for the interest at this stage, but can I add it later should I need to complete a court package? Alternatively, can I ask for an uplift of say 8% on the total sum as a gesture on their part of some recognition of interest (not compounded).

Thanks in anticipation. Husband's details should be arriving any day.

Jackswan_2

Edinburghlass wrote:

See posts 1527 and 1528

I followed the procedures when claiming back from Sainsburys Bank Visacard.
Received the statements, applied for the unauthorised charges. Letter back within 6 days telling me that they were correct and that they would not be refunding me my money. Sent letter informing them of court action, received a letter yesterday telling me that they will examine my concerns and I will receive a response within four weeks, in line with FSA regulations.

I regard this purely as a delaying tactic, and I feel inclined to commence court proceedings straight away. What does anyone else think ?

Rex_Mundi

theozziend wrote:

Quick question - over the period I have paid a monthly account charge, rising from £6 and gradually increasing to the current level of £13.00 - this is for the additions account, which gives me my overdraft. However, in addition to this in many months they have also charged £20 for "unauthorised overdraft". In later years this was superceded by the "paid referral" charges. I know that I can claim the paid referral charges, but can I claim the £20 charge for unauthorised overdraft?

You cannot claim the additions account fee, this is a service fee for the type of account you hold. You can claim the unnauthorised overdraft, and paid refferal fees.

theozziend wrote:

I don't know whether to go for the interest at this stage, but can I add it later should I need to complete a court package? Alternatively, can I ask for an uplift of say 8% on the total sum as a gesture on their part of some recognition of interest (not compounded).

I would stick to the process. Either claim for interest from the start, or leave it till the court stage. If you start off on your own course with your own ideas, you may end up in a sticky situation, and could ultimately damage your chances of success. The process as set out works, why change it?

Rex_Mundi

Jackswan wrote:

I regard this purely as a delaying tactic, and I feel inclined to commence court proceedings straight away. What does anyone else think ?

This is a delaying tactic from the bank, and should be ignored. Move ahead once your own deadline is up.