Reclaim Unfair Bank Charges Discussion Area

blacklorne

I am just about to start the process of claiming unfiar bank charges and notice that Martin suggests opening another banks account first. Most current accounts I have looked at want you to have a minimum deposit of £1000 a month, but as all my wages go into my RBS account, I will not be able to do this. Do I cancel my RBS account before I try to claim back my charges or is there another way of having 2 current accounts open at one time, or is there another bank account I can have open as a back up that doesn't require money to be deposited monthly. Does the RBS close down accounts and does it pay back charges. Can anyone help please? Thanks.

clarenic

Greenwellies wrote:

I'm doing the same, but I have put both accounts on the same letter and the details of charges is on one document, but defined clearly. (using Martin's template)

GW

Hi Greenwellies, thanks for your reply.

The wording I've got is pretty similar to Martin's - do you think it's clear enough? I've just put the two account numbers, and each time I have to quote figures, I've just put 'and' between the two figures for the two different accounts.

Thanks again,

Clare

Greenwellies_2

clarenic wrote:

Hi Greenwellies, thanks for your reply.

The wording I've got is pretty similar to Martin's - do you think it's clear enough? I've just put the two account numbers, and each time I have to quote figures, I've just put 'and' between the two figures for the two different accounts.

Thanks again,

Clare

To be honest, what you've written is all above my head.

I wonder if it would be better to go in simple (like I have) and when they don't play ball, hit them with the facts that you have stated (the clauses etc)

Just a thought

GW

clarenic

Greenwellies wrote:

To be honest, what you've written is all above my head.

I wonder if it would be better to go in simple (like I have) and when they don't play ball, hit them with the facts that you have stated (the clauses etc)

Just a thought

GW

I'm at the Moneyclaim stage - are you on the letters stage? What I'm doing is the Particulars of Claim when you start the Court proceedings. :eek: I've taken it from a precedent on the CAG website but I can't find any info about multiple accounts. And they limit you 24 lines of text on the Moneyclaim website and mine is 25 lines, with just one word on the last line! :mad:

I did lump them both together for purposes of writing to the bank etc, but they always replied separately.

Good luck with your claim,

Clare

165721

juneclarke wrote:

Hi,

My name is June and I have just joined in the hope that someone will be able to help me with Barclaycard.
I wrote to them claiming back my overpaid charges and interest in August and have recently had a letter back from them offering me 200 pounds, being the difference between the 25 pound fines they had been imposing on me and the recommended 12 pounds. Now the reason they were imposing the fines was because they said I was missing payments, I wasn't, I was just paying what I could, part of the reason for not being able to pay the full amount was what they were putting on top, it was just a vicious circle.
So I need to get back to them to say I want the interest as well, but am not very sure how to word it.
Thanks very much in advance.

Have you had a look at martin's new article. Firstly you should have had all the money back now beacsue the time limit you should have given them was 14 days, and you MUST stick to these time limits no matter what. Prliminary request, 14 days, then LBA, 14 days, then court claim. Anyway that by the by now. There are various templates to accept part settlement on here and around, this is what you should do. But continue and you will get the rest back in the end, even if it goes to court in all likelihood (se the answer to your query earlier). So you need to accept part payment, and do an LBA for the rest, then 14 days later if they havent coughed up, start a claim. Also remeber that you do not claim any interest at 8% until it gets to the moneyclaim stage. Good luck!

165721

blacklorne wrote:

I am just about to start the process of claiming unfiar bank charges and notice that Martin suggests opening another banks account first. Most current accounts I have looked at want you to have a minimum deposit of £1000 a month, but as all my wages go into my RBS account, I will not be able to do this. Do I cancel my RBS account before I try to claim back my charges or is there another way of having 2 current accounts open at one time, or is there another bank account I can have open as a back up that doesn't require money to be deposited monthly. Does the RBS close down accounts and does it pay back charges. Can anyone help please? Thanks.

I have just opened one with A&L, Martin's best buy, and you have to deposit £500 a month, 0% OD for 12 months and very high credit interest. Remember that is a deposit, so you can put £500 when your paid and take it straight out again, it doesnt have to be wages paid in!

Greenwellies_2

clarenic wrote:

I'm at the Moneyclaim stage - are you on the letters stage? What I'm doing is the Particulars of Claim when you start the Court proceedings. :eek: I've taken it from a precedent on the CAG website but I can't find any info about multiple accounts. And they limit you 24 lines of text on the Moneyclaim website and mine is 25 lines, with just one word on the last line! :mad:

I did lump them both together for purposes of writing to the bank etc, but they always replied separately.

Good luck with your claim,

Clare

Ah yes, I am just at writing letters, hence why it was all over my head!

GW

juneclarke

Rex_Mundi wrote:

This is a choice for you now depending how far you are prepared to go. £12 was the MAXIMUM that the OFT considered a fair charge. You could still choose to press them for the whole amount, and if they refuse. Take them to court for the whole amount (plus interest). As part of your case, you would have to have to ask them to disclose the exact amount it cost the CC company each time you incurred a charge. Chances are that this was nowhere near £12 in each instance. Under the Unfair Contract Terms in Consumer Contracts Regulations 1999, the Unfair Terms Act 1977 and common law, the banks are only allowed to charge you what it cost them each time time you went overdrawn. Any more than this could be considered a penalty charge (a fine). This is the unlawful part. You could take a gamble that if you ask for this information to be disclosed to the court, they will not in any way want to disclose it (and settle out of court so they don't have to). It's a gamble.

Thanks very much first of all for your prompt answer.

Now, I know this is going to sound stupid, but am I asking for the penalty charges back or am I also asking for the the interest I have been paying on the card back as well. I am a bit stuck here on what to say and want to (obviously) sound intelligent (ha!!) and informed. I think the fact that they have already offered me some money is a good sign. By the way they have now cancelled my card, no loss as I already have another one!!!

mishan_2

I've received a letter from abbey saying they are going to enter a defence in due course but they've also said that I didn't submit a copy of the breakdown of the costs with my claim or a breakdown of how the interest was worked out. I entered my claim on Moneyclaim. Did I need to submit the tables too as I didn't see a way to do this? Abbey were already sent copies of the breakdown of charges originally but not the interest. They've aknowledeged the claim so they've now got the extra time to submit a defence but I've been told to send them and the court a list of the charges but only after they've entered a defence. Is this correct? Also, I'm going on holiday on the 27th for 2 weeks. Will this cause any problems?

Any help much appreciated.

saver6

I'm having a mind meltdown today, and need just a clarification re. wording.

I'm jumping in with both feet and writing the first letter today, requesting info for the last 6 years. However the account it's regarding has only been opened for about 5 years. If I write in the letter "over the last six years, or since the account was opened (whichever is the later)" is this a logical sentence?

I keep asking myself if I should be saying "whichever is the earlier" and am confusing myself.... any grammar experts out there?