Going to try for my bank charges...

krazyk

Hi all,

I've got a list of all my bank/CC charges over the last 6-7 years. I've listed them all below (using the calculator on this site to get the interest). How far back can we go with charges, 2001? What exact date? And up to when, I have one from Egg at recent as January but should I claim it?:

Bank Date Charge Amount Interest Charge Detail
A&L 30/10/1999 £8.00 £4.75 Monthly OD charge
A&L 01/10/2001 £8.00 £3.52 Monthly OD charge
A&L 01/10/2001 £27.50 £12.11 Failed SO charge
A&L 29/10/2001 £8.00 £3.47 Monthly OD charge
A&L 29/10/2001 £8.00 £3.47 Monthly OD charge
A&L 30/11/2001 £10.00 £4.27 Monthly OD charge
A&L 01/07/2002 £29.50 £11.23 Failed DD charge
A&L 02/07/2002 £29.50 £11.22 Failed DD charge
A&L 29/07/2002 £25.00 £9.36 Monthly OD charge
A&L 31/07/2002 £29.50 £11.03 Failed SO charge
A&L 02/12/2002 £29.50 £10.23 Failed DD charge
A&L 02/12/2002 £29.50 £10.23 Failed DD charge
A&L 04/12/2002 £29.50 £10.22 Failed DD charge
A&L 05/12/2002 £29.50 £10.21 Failed SO charge
A&L 05/12/2002 £29.50 £10.21 Failed DD charge
A&L 10/12/2002 £29.50 £10.18 Failed DD charge
A&L 10/12/2002 £29.50 £10.18 Failed DD charge
A&L 11/12/2002 £29.50 £10.17 Failed DD charge
A&L 16/12/2002 £29.50 £10.34 Failed Cheque charge
A&L 19/12/2002 £25.00 £8.74 Paid Item charge
A&L 12/01/2003 £25.00 £8.45 Monthly OD charge
A&L CC 06/12/2002 £18.00 £6.35 Overdue Payment charge
A&L CC 04/01/2003 £18.00 £6.11 Reminder Letter charge
A&L CC 09/01/2003 £18.00 £6.09 Reminder Letter Charge
A&L CC 18/01/2003 £18.00 £6.06 Reminder Letter Charge
A&L CC 14/04/2003 £20.00 £6.35 Late charge
A&L CC 14/11/2003 £20.00 £5.42 Late charge
A&L CC 14/02/2004 £20.00 £5.01 Late charge
A&L CC 12/01/2006 £25.00 £2.44 Late fee
A&L CC 14/01/2006 £20.00 £1.94 Late charge
Barclaycard 22/09/2003 £20.00 £5.66 Late payment
cahoot CC 16/02/2003 £10.00 £3.29 Payment reversal
cahoot CC 19/04/2003 £25.00 £7.91 Late payment
cahoot CC 24/04/2003 £25.00 £7.88 Late charge
Capital One 17/04/2006 £20.00 £1.54 Late payment
Egg Card 03/07/2002 £20.00 £7.60 Unpaid DD fee
Egg Card 03/12/2002 £20.00 £6.93 Unpaid DD fee
Egg Card 12/12/2002 £20.00 £6.89 Unpaid DD fee
Egg Card 03/01/2003 £20.00 £6.75 Unpaid DD fee
Egg Card 18/01/2003 £20.00 £6.73 Late cahrges
Egg Card 18/03/2004 £20.00 £4.87 Overlimit charge
Egg Card 18/06/2004 £20.00 £4.47 Overlimit charge
Egg Card 18/07/2004 £20.00 £4.33 Overlimit charge
Egg Card 18/09/2004 £20.00 £4.06 Overlimit charge
Egg Card 02/06/2005 £20.00 £2.94 Unpaid DD fee
Egg Card 18/06/2005 £20.00 £2.87 Overlimit charge
Egg Card 18/09/2006 £16.00 £0.69 Overlimit charge
Egg Card 18/10/2006 £16.00 £0.58 Overlimit charge
Egg Money 13/02/2006 £20.00 £1.81 Overlimit charge
Egg Money 13/08/2006 £16.00 £0.82 Overlimit charge
Egg Money 13/01/2007 £16.00 £0.28 Overlimit charge
MBNA 12/01/2006 £25.00 £2.44 Late fee
Morgan Stanley 07/01/2006 £20.00 £1.98 Late fee

Advice before I write to everyone would be much appreciated. Out of all of the above, I'm still with all apart from A&L current account.

Sorry if the above comes out unclear.

KrazyK

krazyk

Sorry, that really has come out unclear. :-(

KrazyK

maniac886

You start the 6years on the day that you send the letter asking back for charges.

krazyk

Great, thanks. That'll only affect one of my charges. Can anyone else help with my other queries please?

Many thanks!

Krazy K

krazyk

Hi again.

I have adresses for all but A&L current acount. Where should I write to? Also I have A&L credit card but this is through MBNA, should I write to A&L or MBNA?

You help with these and my previous queries is much appreciated.

KrazyK

krazyk

OK, I've got a replies from all the banks in question, a few have said they will get back to me before the end of the month (MBNA related cards), a few have given refunds and one hasn’t. But I think getting back charges and interest on these charges is a complete myth! All the banks disagree the charges are unlawful and none of them are willing to give a penny of interest on any charges:

Capital One: They have reduced my £20 charges to £12 so I have been given a refund of £20 on my card (which is currently empty and I'm in credit so will have to somewhere get that £20 off them).

Morgan Stanley: I need to write back to them to confirm a refund of £8 (again bringing one of my charges down from £20 to £12.

Egg: I've got £48 from each of my cards, no interest again. I'm just about to send a reply in writing to confirm this and will get these refunds paid into my current account. Egg are different to all other banks so far, they are only bringing their charges down to £16 and not £12, is this right??

Barclaycard: They disagree "with my legal analysis". But "as a goodwill and without any admission of liability" they are prepared to credit my account. So I can get a refund of £8. Again, my account is closed and so will write back with my bank details to get paid into my current account.

Alliance & Leicester: Really disappointed here, these are the guys who've charged me the most. They say that the OFT consider levels of late payments to be unfair on credit card fees and NOT bank fees. Is this correct?? They do not feel I've been unfairly charged and cannot refund me! Can I do anything about this?

It seems the banks are only giving out refunds as a gesture of "goodwill" and one or two of them say the ruling does not apply retrospective!

KazyK

Edinburghlass_2

You'll find links to all the bank main threads in the Reclaim Help Thread which is linked in my signature.

None of the banks will pay you interest, or indeed are obliged to pay you the interest as this is something that is awarded by the courts should your case go to court.

Please read Martin's article and listen to the audio link regarding the interest in the article.

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