Reclaim Unfair Bank Charges Discussion Area

Rex_Mundi

AdrianCarrol wrote:

Hello
Having read Martins articles about bank charges, I am still unsure about the successfulness OR NOT of taking on the Credit Card people. Could someone please advise?
Thanks
Adrian

The process works against credit card companies exactly the same as with bank accounts. The CC companies are paying out in the vast amjority of claims.

family_life_2

thanks Rex, I'll ring them tomorrow. I must admit, I don't understand full stop. But then again, I'm not the most itelligent bloke in the world. thanks for your help again.

Best wishes,

Puddin'

2 quick questions if I may:

1. my boyfriend and I are claiming charges from our joint account. What should we put in the claimant box on the moneyclaim form? Both names in one box or just one?

2. in the particulars of claim box I cut and pasted the sample from Martin but it was too many characters. Which bits is it ok to get rid of.

Thankyou

Edinburghlass_2

MoneyClaim online.

Sample Particulars too long

Jackswan_2

Rex_Mundi wrote:

The process works against credit card companies exactly the same as with bank accounts. The CC companies are paying out in the vast amjority of claims.

I have two credit card accounts with Capital One, firstly they told me that
I was aware of the terms & conditions when I signed with them in 1999. I
informed them of CC action unless they replied in seven days to my letter
dated 27th January. Yesterday, 5th February I received letters from both accounts dated 31st January, offering me the difference between the 'agreed OFT recommended' figure of £12 and the charges of £18-£20 they actually
charged me. Their maths isn't very good in their offer letter, one account I am
claiming £690 they are offering me £126. I have decided to decline this offer
on the grounds that their charges are unlawful in any event, it is therefore
onto the interest calculator to make my claims through the courts.

pigsmightfly

Jackswan wrote:

I have two credit card accounts with Capital One, firstly they told me that
I was aware of the terms & conditions when I signed with them in 1999. I
informed them of CC action unless they replied in seven days to my letter
dated 27th January. Yesterday, 5th February I received letters from both accounts dated 31st January, offering me the difference between the 'agreed OFT recommended' figure of £12 and the charges of £18-£20 they actually
charged me. Their maths isn't very good in their offer letter, one account I am
claiming £690 they are offering me £126. I have decided to decline this offer
on the grounds that their charges are unlawful in any event, it is therefore
onto the interest calculator to make my claims through the courts.

I got this same reply from capital one saying they would offer me the difference. I sent them a letter back saying I did not accept their offer however, i would settle if they offered me £200 as opposed to their £100 offer or I would take them to court to claim the full amount back plus interest. They've got 5 days left to reply....;)

consnmattsmom

I sent frst letter to Virgin One Account and they got it on 26th Jan. I rang them on Friday to see if they knew whats happening and promised a phone call yesterday but didnt get one. Shall I not bother ringing them again and just wait til this Friday and send a second letter?

Rex_Mundi

consnmattsmom wrote:

I sent frst letter to Virgin One Account and they got it on 26th Jan. I rang them on Friday to see if they knew whats happening and promised a phone call yesterday but didnt get one. Shall I not bother ringing them again and just wait til this Friday and send a second letter?

Just carry on and send your next letter when your first deadline is up.

Bigcammy

Hi there,

Thanks to the success stories on this forum, I've decided to try and reclaim some of the extortionate charges the Ulster Bank have levied against me over the last 6 years. I know I didn't operate my account well, but every time I was down, their charges made things worse.

My question is, with the Ulster Bank being part of the Natwest group, is there a separate Data Protection Administrator address for the Ulster Bank, and what is it, or do I write to the Natwest guy to get my list of charges over the last 6 years?

Thanks

jojo29_3

Hello i need some help if possible im in the process of reclaiming my bank charges back fom HSBC i sent of 1st letter recieved statements then sent off 2nd letter and got reply back saying they were investating and then this morning got another letter from HSBC and now dont know what to do????? I sent them a breakdown of charges like stated and now they saying they are not prepared to entertain claims in relation to cheques credits etc and now they are saying basically that i have to go back throu statements and look at charges again i just understand or know what to do??? What do i do does anyone know or can anyone advise me i would be extremely grateful thank you in advance! jo