Reclaim Unfair Bank Charges Discussion Area

Edinburghlass_2

hollydays wrote:

And is this letter ok then,in 2 parts,first part requesting details of any closed accounts in my name,( and/or former married name,though they had the change of name document when i legally reverted to my maiden name).Also giving my previous address where i originally held the sole account.Enclose my d.o.b.,

Don't forget your current address.

second part,as the template requesting charges,and enclosing £10.Have i missed anything?

No, this is a second letter once you have received the info/statements and you send the £10 with the letter in the first part. It doesn't cost you £10 to claim for your charges, just to make the request for info/statements

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

hollydays

ok.i misunderstood.I send the £10 once only then?

Edinburghlass_2

yes ..........

angelkt

Hi Im new to all this so sorry if i seem completely thick!Ive read the success stories on here and people seem to be reclaimimg theres money on their own-is it easier to do it with a company?as I was going to do it with one online that charge 10% of what you get back as this is this lowest one I found.
After reading every1s stories however I am tempted to do it on my own but wouldnt have a clue how to add up all the charges-I read its unlawful above £12 so do u add up the difference?so for example if you got charged £20 that would be £8?or do you just simply add up all the charges??i confused!!!if any one can help!
x

Edinburghlass_2

You need to read Martin's article and then read it all over again. Then you will be ready to start the first step

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

GirlRacer_2

Angelkt. Do it yourself. I would never have dreamt of reclaiming charges until I joined this site. I approached Capital One and asked them for my charges, using the template on here. They paid up no problem. I didn't get the full amount but I got 90% back. I've now approached Barclaycard and am waiting to hear from them.

angelkt

Hi I have read but cant find how you work out charges like if you just reclaim the whole charge or the diff over £12 unless im not looking in the right place?im not too good at all this stuff!which is whay i was considering going with someone else.

angelkt

GirlRacer wrote:

Angelkt. Do it yourself. I would never have dreamt of reclaiming charges until I joined this site. I approached Capital One and asked them for my charges, using the template on here. They paid up no problem. I didn't get the full amount but I got 90% back. I've now approached Barclaycard and am waiting to hear from them.

thanks its just a tad confusing on what to ask for back?like i said above..it does seem that everyone is doing well however doing it alone.

Edinburghlass_2

angelkt wrote:

Hi I have read but cant find how you work out charges like if you just reclaim the whole charge or the diff over £12 unless im not looking in the right place?im not too good at all this stuff!which is whay i was considering going with someone else.

Do you have your list of charges/statements yet? You'll find the list of charges you can claim in this thread. Ignore the £12 guide charge that has been set by OFT meantime.

sammyc_3

Hi, this is my first post so apologies if this is a silly question.
I am starting the process of trying to claim back my bank charges and have most of my bank statements from 2004 upto now but have alot missing from 2001 - 2003. I have just phoned my bank to ask if they can send me these out but they have said they will charge me £5 for each months statement which would work out at about £100 - £150. Am I doing this right or should I get this first bit of information another way. My internet account only shows the last 2 years so I can't get the info from there. Many thanks for your help.