Bank charges

Ayla100

This might be of interest.

Am working for a major bank. have claimed £ 4000+ in charges and interest. just received an offer of £ 3000+. no interest! will persue for the full amount.

It costs the banks approx 13 to 20p to reinstate a declined direct debit. FACT. they charge £ 38

If need be will appear in court myself. no lawyer required. banks do not want their system of costs per charge exposed. it would make them look greedier than street money lenders.

remember staff in banks only do as they are told. their low wages keep them surpressed

andy7070

i am absolutely shocked...this is totally disgusting and unacceptable and the fact that they sit there stony faced as if YOU are the criminal is beyond belief!!!!

while we are on the subject maybe you can help me .....40 days has passed and no reply ...no statements and halifax had the cheek to cash in my check 2 weeks ago!!!i sent in another letter giving them 7 days to reply otherwise court action and surprise surprise no action or statements....

should i now proceed with court action and if so how do i know how much to claim for??

SkinFlint_2

Thanks. That should stop some of the debating !

Edinburghlass_2

andy7070 wrote: »

while we are on the subject maybe you can help me .....40 days has passed and no reply ...no statements and halifax had the cheek to cash in my check 2 weeks ago!!!i sent in another letter giving them 7 days to reply otherwise court action and surprise surprise no action or statements....

Read this thread....

http://forums.moneysavingexpert.com/showthread.html?t=323057&page=13

should i now proceed with court action and if so how do i know how much to claim for??

You don't know how much to claim for so wait on your statements then follow Martin's step by step guide in the article.

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Bank Charges Video Guide | 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

andy7070

the point you are missing is that martins templates only cover if you have had bank statements back...it does not cover what happens when i want to estimate what i am owed...it is quite obvious to me that halifax dont want anything to do with me and have had no contact whatsoever after the 2 letters sent out...so i am now taking them to court....however i have to make an estimate of the charges and martin offers no help on this template,so i was wondering shall i construct my own letter to halifax with the charges i THINK are owed to me???

Edinburghlass_2

Sorry but if you are estimating your charges and immediately taking the bank to court over this, then you're right there is no help on templates here.

andy7070

edinburgh.....thanks for your reply...do you think i should start proceedings as all else has failed??

i have a rough idea of how much i am owed,but not exact!!

i feel this is the only way to get a reaction out of them...