Reclaim Unfair Bank Charges article discussion Part II

rimbo_2

No why

sue-dai

Edinburghlass wrote: »

It is standard practice for the banks to pay any monies reclaimed into the account that is claimed from.

Do you know what happens if the account has been closed for four years, will they send a cheque then?

big_gaz_4

Hi all,

Am not sure if this is the right place to post, so sorry if i have got it wrong.

anyway....i have followed the advice on this website..i.e
got list of bank charges,
wrote to bank asking for them back - got letter from back saying they are in the right

so wrote to back again saying they have 14 days from the date on the letter to give me the money or i will take them to court.

anyway 14 days past and nothing, so i did all the court stuff online. and was just waiting for the time to tick down so i could win by defult

this morning i got a letter for the back, 30 days after i sent last letter offering me about a 1/3 of what i was cliaming

basicly am not sure what to do now...do i ignore letter or phone them to tell them i do not accept this?? bear in mind that they have not replyed to the courts. plus this letter refers to the last letter i sent them and not the court case. so am i right thinking if i tell them i do not accept this will not affect courts and i can still win by defult as this letter was not in response to the court case?

hope this makes sense and i am sorry it is so long, but would really apreciate people views and advice on this

Thanks Gaz

bobdauilda

Is there a letter template for claiming the credit card charges back too? I can't find one so could someone post a link if there is ? thanks

Twinkly

bobdauilda wrote: »

Is there a letter template for claiming the credit card charges back too? I can't find one so could someone post a link if there is ? thanks

For credit card reclaims the template letter for bank charges is simply adapted. The charges you will be reclaiming are Late Payment and Overlimit Fees, if applicable to you. There is an Out Of Order charge of £40 that Barclaycard imposes that is reclaimable also, again if applicable to you.

Twinkly

big_gaz wrote: »

Hi all,

Am not sure if this is the right place to post, so sorry if i have got it wrong.

anyway....i have followed the advice on this website..i.e
got list of bank charges,
wrote to bank asking for them back - got letter from back saying they are in the right

so wrote to back again saying they have 14 days from the date on the letter to give me the money or i will take them to court.

anyway 14 days past and nothing, so i did all the court stuff online. and was just waiting for the time to tick down so i could win by defult

this morning i got a letter for the back, 30 days after i sent last letter offering me about a 1/3 of what i was cliaming

basicly am not sure what to do now...do i ignore letter or phone them to tell them i do not accept this?? bear in mind that they have not replyed to the courts. plus this letter refers to the last letter i sent them and not the court case. so am i right thinking if i tell them i do not accept this will not affect courts and i can still win by defult as this letter was not in response to the court case?

hope this makes sense and i am sorry it is so long, but would really apreciate people views and advice on this

Thanks Gaz

You can write rejecting their offer and advising that as court claim has been filed your costs are now recoverable and interest may be awarded on judgement in your favour. They may wish to settle these amounts in full and now have the oppertunity to do so. You dont have to settle for anything less.

cyberman_3

rimbo wrote: »

No why

It's just the amounts are the same. No worries, good luck

bobdauilda

Twinkly wrote: »

For credit card reclaims the template letter for bank charges is simply adapted. The charges you will be reclaiming are Late Payment and Overlimit Fees, if applicable to you. There is an Out Of Order charge of £40 that Barclaycard imposes that is reclaimable also, again if applicable to you.

Thanks so the template amended would read like this?

Dear Sir/Madam,
Ref number

---

I am writing to request a fully comprehensive list of all the default charges for exceeding my account credit limit and late payment fees that I have paid over the last six years.<o>:p></o>:p>

Please find enclosed a cheque for the maximum statutory charge of £10. If you are unable to provide this data, I will accept a copy of my statements going back six years; I understand that statements on their own are not covered by the Data Protection Act 1998, yet I’m not requesting the statements per se, but the charges, which I’m entitled to by law.<o>:p></o>:p>
<!--[if !supportEmptyParas]--> <!--[endif]--><o>:p></o>:p>
If you store any of the older records on microfiche, please be aware that the Information Commissioner deems this to be a relevant filing system under the Act. As such, any microfiche data must be sent to me in fully legible and comprehensible form.<o>:p></o>:p>

I look forward to your response within 40 days, as (name of credit card co,) is obliged to reply under the Data Protection Act. If not I shall seek remedy from the Information Commissioner.<o>:p></o>:p>
<!--[if !supportEmptyParas]--> <!--[endif]--><o>:p></o>:p>
Yours faithfully,



:beer:
<o>:p></o>:p>
<!--[if !supportEmptyParas]--> <!--[endif]--><o>:p></o>:p>

Twinkly

bobdauilda wrote: »

Thanks so the template amended would read like this?

Dear Sir/Madam,
Ref number

---

I am writing to request a fully comprehensive list of all the default charges for exceeding my account credit limit and late payment fees that I have paid over the last six years.<o>:p></o>:p>

Please find enclosed a cheque for the maximum statutory charge of £10. If you are unable to provide this data, I will accept a copy of my statements going back six years; I understand that statements on their own are not covered by the Data Protection Act 1998, yet I’m not requesting the statements per se, but the charges, which I’m entitled to by law.<o>:p></o>:p>
<!--[if !supportEmptyParas]--> <!--[endif]--><o>:p></o>:p>
If you store any of the older records on microfiche, please be aware that the Information Commissioner deems this to be a relevant filing system under the Act. As such, any microfiche data must be sent to me in fully legible and comprehensible form.<o>:p></o>:p>

I look forward to your response within 40 days, as (name of credit card co,) is obliged to reply under the Data Protection Act. If not I shall seek remedy from the Information Commissioner.<o>:p></o>:p>
<!--[if !supportEmptyParas]--> <!--[endif]--><o>:p></o>:p>
Yours faithfully,



:beer:
<o>:p></o>:p>
<!--[if !supportEmptyParas]--> <!--[endif]--><o>:p></o>:p>

Yes, but dont pull tongues so much in the letter or they may not take you seriously :rotfl:

cyberman_3

big_gaz wrote: »

Hi all,

Am not sure if this is the right place to post, so sorry if i have got it wrong.

anyway....i have followed the advice on this website..i.e
got list of bank charges,
wrote to bank asking for them back - got letter from back saying they are in the right

so wrote to back again saying they have 14 days from the date on the letter to give me the money or i will take them to court.

anyway 14 days past and nothing, so i did all the court stuff online. and was just waiting for the time to tick down so i could win by defult

this morning i got a letter for the back, 30 days after i sent last letter offering me about a 1/3 of what i was cliaming

basicly am not sure what to do now...do i ignore letter or phone them to tell them i do not accept this?? bear in mind that they have not replyed to the courts. plus this letter refers to the last letter i sent them and not the court case. so am i right thinking if i tell them i do not accept this will not affect courts and i can still win by defult as this letter was not in response to the court case?

hope this makes sense and i am sorry it is so long, but would really apreciate people views and advice on this


Thanks Gaz

Stick out for the full amount. Just tell them you do accept the amount and if they do not refund the full amount your claim continues.