Reclaim Unfair Bank Charges Discussion Area

Edinburghlass_2

rag-girl wrote:

Hi,
firstly,
i have 2 current accounts with NatWest, both of which have incurred unfair bank charges. I wish to claim these back, will i have to do each account seperatley (& have to pay £10 for the requests of unfair charges for each account) or can i list both accounts on one letter & just pay £10.
Secondly,
one of the accounts is overdrawn & i'm fully expecting them to close the accounts & demand back any outstanding overdraft, whats the worst that can happen if i can't pay the amount owed in one go & at what stage are they likely to close the accounts if they are going to?

Cheers
Les

One letter and one cheque for £10 will cover your letter asking for info/statements. However, do your claims separately especially as one account is overdrawn as any reclaim will be paid into your account.

If the bank should close your account or withdraw your overdraft they need to give you 28 days notice, I think.

twinstwins02

mushroombabe wrote:

Hi to you all. A work collegue told me about this site after we were talking about charges made on my account by the Halifax. Anyhow, I downloaded the template letters and handed in the first letter to them yesterday (10/02/2007). I'm in the process of trying to open up an account with the Alliance & Leicester, but I think that there will be problems with opening up a new account with them.
Can anyone let me know, what the next step to take regarding Halifax and if Alliance & Leicester refuse me, what then?

Don't worry both barclays and A & L offer basic accounts which do not require a great credit rating - look into one of the links on this website for current accounts.

moped_mark

Hi All

I've been reading about the bank charges and have decided to try and see if I can get my money back! For some time now they have charging me, and my dad's amazed with how much they have taken from me!

The only doubt I have is in my past I have been quite overdrawn but I do not know where the line is between a charge being extravagant and being justified. Should I include all charges and see what they will put their hands up to them being too much? The bank involved is LloydsTSB... are very willing to pay up?!

Any advice will be gratefully received!

Natalieee_2

moped_mark wrote:

Hi All

I've been reading about the bank charges and have decided to try and see if I can get my money back! For some time now they have charging me, and my dad's amazed with how much they have taken from me!

The only doubt I have is in my past I have been quite overdrawn but I do not know where the line is between a charge being extravagant and being justified. Should I include all charges and see what they will put their hands up to them being too much? The bank involved is LloydsTSB... are very willing to pay up?!

Any advice will be gratefully received!

Hiya..Im In The Same Boat..I Was VERY Stupid, I Didnt Even Have An Overdraft Yet I Went Overdrawn Countless Times And I Knew What I Was Doin!!

Still, IN One Month They Charged Me A Grand Total Of £185!! I Couldnt Believe It!!

Im Sending My 1st Letter To HSBC Tomorrow, And Including ALL Charges..

At The End Of They Day What Have You Got To Loose..? I Say Go For It And Put Down EVERY SINGLE Charge..

Good Luck !! x :P

Edinburghlass_2

By all means claim all of your charges but please do be sure they are correct charges by reading post 4 on this thread.

http://forums.moneysavingexpert.com/showthread.html?t=304064

Rex_Mundi

moped_mark wrote:

The only doubt I have is in my past I have been quite overdrawn but I do not know where the line is between a charge being extravagant and being justified. Should I include all charges and see what they will put their hands up to them being too much? The bank involved is LloydsTSB... are very willing to pay up?!

It doesn't matter how bad you have been in the past. You are disputing the level of the charges applied to your account because these do not comply with UK law. You reclaim all the charges the bank have taken from you.

moped_mark

Well sod it I'm going to do it with interest as well! Good luck Natalie, let me know how u get on.

M x

consnmattsmom

I was talking to my sister about reclaiming charges yest and she said that the banks etc were near to changing the law to stop people reclaming the charges. She said had heard it on tv!!

Has anyone else heard this? I am now worried as I still have 30 days from 5 companies to get statements before I can put a clam in so this could all e a waste of time.

:mad:

blondiebee_2

Sorry to re-post, but i did'nt get reply.

Can anybody help.

Am all ready to submit my case on moneyclaim.
However, if i have'nt done something right and they just chuck it out of court due to some error on my behalf, can I just re submit it or have i lost the case altogether? ( I know I will have to pay £120 again). I just dont want to end up not being able to take them to court because I fluffed the case up.

Here are my claim particulars (taken from the forum).

1. The Claimant has an account xxxxxxxx with
the Defendant, opened 29/04/02. 2. Since
02/08/02 the Defendant debited charges and
interest in respect of purported breaches of
contract. 3. Defendant is aware of all
details as a list of charges has already
been supplied. Another copy will be sent. 4.
Claimant contends: (a) The charges exceed
the Defendant's losses caused by the
breaches; (b) The Term permitting the
Defendant to levy such charges is
unenforceable under the Unfair Terms in
Consumer Contracts Regulations 1999, Unfair
Contract Terms Act 1977 and at Common Law.
5. Claimant claims: (a) return of the
amounts debited of £3114.70; (b) Interest
per S.69 County Courts Act 1984 of 8% -
£551.98 continuing at 8% until judgment or
settlement at a daily rate of £0.68; 6.
Alternatively, if the charges are a fee for
a service, then they must be reasonable
under S.15 of the Supply of Goods and
Services Act 1982. 7. Costs allowed by the
Court.

nickmack

consnmattsmom wrote:

I was talking to my sister about reclaiming charges yest and she said that the banks etc were near to changing the law to stop people reclaming the charges. She said had heard it on tv!!

Has anyone else heard this? I am now worried as I still have 30 days from 5 companies to get statements before I can put a clam in so this could all e a waste of time.

Since when did banks start changing laws? This doesn't sound correct, do you have a source?