Reclaim Unfair Bank Charges article discussion Part II

Edinburghlass_2

tr0u8le wrote: »

Hi,

Anyway - long story short. Does the money have to be credited to the HSBC account or can I request it to be sent elsewhere?

Thanks for your help.

You can ask but its likely that the bank will pay the money into the account that has been claimed from and especially if there is a debt on that account.

Edinburghlass_2

SheTel wrote: »

Hi - could someone please confirm if (through the Court) I can charge the interest debited from my account as well as all the charges - or if it is just the charges that I can claim for? Thanks

Only the charges, please read the Reclaim Help Thread link in my signature for what you can and can't claim.

florence1234

On statements- how do I know which charges I can reclaim. (NATWEST)



Good afternoon everybody

I have just very recently discovered that you can claim back unlawful charges from the bank and have just obtained statements from NATWEST bank.

I am unsure of what I am looking for on the satements howevr (my dear husband used to sort out all our finnancial business until he passed away).

Specificaly, there are abreviations next to each transaction;

for example I know ATM = cash machine withdrawls, but what I need to know is what abreviations highlight the transactions that I can re-claim.

A list of abrevaiations that represent the ones I can re-claim would be really useful.

Apologies if this is the wrong place to make such an enquiry, I am new to forums and finnancial enquiries of any sort.

Kind regards

Edinburghlass_2

You can usually find the abbreviations they use on the statements somewhere however if you can't you need to phone your bank and ask them.

You'll find a list of what you can and can't claim in the Reclaim Help Thread which is linked in my signature, along with lots of useful information for starting your claim.

latterton

Barclays complaints turnaround time
<HR style="COLOR: #660000" SIZE=1><!-- / icon and title --><!-- message -->Hi,

On the 22nd June 07 i sent a letter to Barclays requesting they pay me the £1900 they owe me in unlawful charges. I also mentioned i was very unhappy it took then 65 days to send me my 6 year histrory so i want a responce wihin 14 days of this letter. On the 30th of June i received a letter telling me theyre looking into my complaint but they cannot guarantee thay can turn things around quickl, so they gave me a time scale of finding a solution within 4 weeks! BUT if they are unable to do this they will write to me informing me of any progress and it could take 8 weeks!!!:mad:
I have waited 2 weeks and decided to phone them as this website advises me to not allow the bank to dictate;) . I explained that i wasn't happy waiting any longer as they took so long before and i wanted a reponse within 7 days. The lady reponded by telling me there is a backlog and you may not get anything before the dates stated on the letter. She also said we apart of the Financial Authorites Act and you're welcome to take it to court. Believe me i want to take this further but i would like some advice from anyone who can help me at this stage. Please assist me in my next move
Thank You

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advent

advent wrote: »

Hi, Sorry this is a bit long but could do with some advice.

I had an a/c with Crap 1 from 2001. In 2004 they sold the debt to a debt firm who then sold it on to NCO. I had an arrangement and kept up payments as best I could. (I split from my husband in August 2003 so finances were not easy but I had written to Cap One to keep them informed) NCO sent letters every now and then offering to settle for lesser figures but I couldn't afford to up my payments. Then I got a letter offering a deal where I paid only 50% of the outstanding balance IN FULL & FINAL SETTLEMENT. By this time I had a partner who said it was too good to miss and lent me the money to pay it. I never got a final letter from NCO but the cheque cleared and I think I confirmed a/c was closed on the phone to NCO.

I have been chasing Capital One for bank charges and sent off for statements which arrived a week later. Calculated charges at £174 and interest and sent off letter reclaiming £240. Got letter today apologising for the inconvenience caused and saying they have refunded £66 (difference between what they charged and £12) to my a/c to reduce the outstanding balance! I rang them and told them the above story. They agreed that they were not chasing me for the balance and that the a/c was closed as far as they were concerned and that the £66 had indeed been deducted from the balance outstanding. explained there wasn't a balance as I'd paid NCO in Full and Final Settlement. They said no-It was in f&f to NCO but there was still a balance (although they weren't chasing me and the a/c is closed) therefore credit agencies such as Equifax would have it down as a partial settlement. Is it worth chasing this one any more? If I get all I asked for back it would still be £200 short of the balance they say is on the a/c and therefore will still show ona credit rating as "partial settlement". (Personally I thought these things were either settled or not settled-never heard of partial settlement)

Any thoughts anyone?

debbiecurtis1612

I have reclaimed all of my charges from Nat West Bank. Only sent 2 letters and they settled for a total of £3300.

I started a Barclays one a month before and have got to the stage where they have now defended it with the court. I have been reading about court bundles and am now really scared. What goes in this bundle???? Wish I hadn't taken the court step action now! Really unsure of what I am doing. If anyone can help, please, I would be really greatful.!!!!!

Banbury-VS-Barclays

Banbury-VS-Barclays wrote: »

I have now filed on-line for a judgment by default as I have heard nothing from Barclay's, I have given the date that I expect to be paid by etc.

Is that It ?

Does the judge have to issue the judgment or can he still give them time to enter a defense and get their day in court ?

Or should I presume the money will be in my account any day soon :j

It would seem that they can still file an acknowledgment even after 14 days !, my judgment was rejected and acknowledgment filed on 17th July.

Do I now just wait for a defence to be logged and a court date to be set ??

KittyBoo_2

KittyBoo wrote: »

Hi everybody. Apologies upfront for the length of this.
I have recently helped my son, with your help of course, get back £700 from A&L. I am now trying to plough my way through my brothers claim but have come up against a weird letter from his bank HSBC.
We sent the original letters and got the statements for his business account totalling £3366.We sent the 2 letters requesting a refund and then another reply. The letter says" whilst I am willing to review your claim for reimbursement of certain overdarft fees incurred where a transaction exceeded a pre agreed facility, I am not prepared to consider any claims that include any other services you may have previously requested or that were pre agreed and notified to you. This will commonly include money transmission (cheques and credits), facility fees (arrangement renewal and temporary), stopped cheque charges, acquiring charges and the monthly maintenance charge any of which may have been included in your claim. We also reject any submitted claim that includes 3rd party fees, usually incurred in th esubmission of a claim, as these may not be included either now or indeed at a subsequent court submission"

They went on to as him for a specific breakdown of the overdarft charges he refers to but we used their statements to highlight these charge. On the bank statements there was an item called Total Charges and we included these in the claim but the bank say that "this is not sufficient as it compromises a number of various charging components which must be split out and itemised for the purpose of the claim".
What does all of this mean and what should we do next. The bank have given him 8 weeks to respond. Thanks for taking the time to read this and hope you can help.

Can anyone help out with this one please as I don't know what to do to make a start on it?

Twinkly

latterton wrote: »

Barclays complaints turnaround time
<HR style="COLOR: #660000" SIZE=1><!-- / icon and title --><!-- message -->Hi,

On the 22nd June 07 i sent a letter to Barclays requesting they pay me the £1900 they owe me in unlawful charges. I also mentioned i was very unhappy it took then 65 days to send me my 6 year histrory so i want a responce wihin 14 days of this letter. On the 30th of June i received a letter telling me theyre looking into my complaint but they cannot guarantee thay can turn things around quickl, so they gave me a time scale of finding a solution within 4 weeks! BUT if they are unable to do this they will write to me informing me of any progress and it could take 8 weeks!!!:mad:
I have waited 2 weeks and decided to phone them as this website advises me to not allow the bank to dictate;) . I explained that i wasn't happy waiting any longer as they took so long before and i wanted a reponse within 7 days. The lady reponded by telling me there is a backlog and you may not get anything before the dates stated on the letter. She also said we apart of the Financial Authorites Act and you're welcome to take it to court. Believe me i want to take this further but i would like some advice from anyone who can help me at this stage. Please assist me in my next move
Thank You

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The reason this site (and others) advise not to let the bank dictate timescales is because you have the option of taking them to court, if you wish. So long as you follow the timescales in the template letters in the main article you are allowing more than sufficient time for this purpose.

Irritating as it is, and I do believe it is abused, the banks do have the right to take a full 8 weeks to deal with your 'complaint'. The guidelines approving this are laid down the by the FSA which all financial institutions must abide by. If you wish to eventually use the Ombudsman to settle the matter then you must allow this time.

It is entirely your choice as to your next move but good luck whatever you decide.