Reclaim Unfair Bank Charges article discussion Part II

sebandie

diycathy wrote: »

Bank: Lloyds Tsb
Amount Reclaimed: £1282
Amount paid: £750

Took a few months, didn't give me the option to accept said that this was their final and only offer and if I didn't agree I can go to the FOC, which I will be doing to reclaim the remainder.

IF THIS HAPPENS TO YOU THEN COMPLAIN TO THE Financial Ombudsman.
I have done the same as Lloyd's seem to do this to everyone.
I claimed for £1260 and received £620 as a final settlement and when i asked them not to put the money into our account because it was not what i asked for they told me to complain to the FO which i did.
I should here from them in the next two weeks.

angel7_2

I am in the process of claimimg bank charges from natwest of £3800 with interest. I started in march. Since the banks did not reply i started court procedings, typical natwest put in a defence and their solicitors asked for more information which i sent. On saturday i recieved a letter from natwest offering me £3200 as a good will gesture, since i first started natwest have been adding more charges to my account, can i ask for these back or do i have to make a new claim. I dont know what to do accept this offer or ask for the full payment. i f i total up all the charges to date i come up to about £4500 can any one help

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gertty

hope you don't mind me asking but do you still have your hsbc account open as mine was closed by them back at the beginning of the year. i'm still waitng with a court date in august.

garethjohnw1980

just looking at some of the success stories , just wondering if anybody had any idea how long hsbc take to make an offer.

had a letter from them saying they where looking into the case after 8 days but nothing since , been about 3-4 weks now without any more reply. what should i do

any help thanks

helpme74

hi do not know wether i am doing this correct i do hope so is it usual to be ignored totally from a bank have had my statements applied for the amount + interest was ignored so on 16th day sent another threatening court action still ignored everything has been recorded delivery so i know they have recieved these bit worried as through reading on here i see most people get a go away letter i have had nothing
anyone help me please

Lilacj

I applied to Halifax last November for £180.00 charges back. They replied about three weeks later and said it's only credit card charges that you can claim. I sent back with legal details of bank charges claiming letter and threatened to go to court. They phoned me ten days later and offered £150. I accepted. I received the money about six weeks later but htey said it was a one and only claim and offer. Keep on trying then if no luck go to Ombudsman rather than court.

cyberman_3

angel7 wrote: »

I am in the process of claimimg bank charges from natwest of £3800 with interest. I started in march. Since the banks did not reply i started court procedings, typical natwest put in a defence and their solicitors asked for more information which i sent. On saturday i recieved a letter from natwest offering me £3200 as a good will gesture, since i first started natwest have been adding more charges to my account, can i ask for these back or do i have to make a new claim. I dont know what to do accept this offer or ask for the full payment. i f i total up all the charges to date i come up to about £4500 can any one help

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NOT NATWEST AGAIN ??

You received an offer because Natwest will NOT answer the now "infamous question ..... how do you calculate your charges"

It's just another Natwest "try on", oh boy Natwest are getting seriously boring.

1: YOU STICK OUT FOR YOUR FULL AMOUNT.
2: YOU CONFIRM TO THEM THAT YOU WILL ACCEPT £3200 AS PART PAYMENT TO YOUR CLAIM.
3: YOU TELL THEM THAT FURTHER CHARGES ARE NOT ACCEPTABLE AND THAT YOU REQUIRE ALL UNLAWFUL CHARGES REFUNDED AND THAT INCLUDES ALL CHARGES MADE AFTER YOUR CLAIM.

Do not be misled by the words " good will gesture" ... Banks don't do goodwill unless they are backed into a corner. If they cannot answer "how do you calculate your charges", they will pay you back every single penny.

KEEP THE PRESSURE ON

angel7_2

I have just posted my letter stating i will accept £3200 as part payment and that I require the full amount of my charges including the charges which have been applied since I started my claim together with my legal costs of £120 giving me a grand total of £4606. So fingeres crossed I hear back within 14 days. Ill keep you postedand thanks for all the great advice:rotfl:

agnes_2

Hi Edinburghlass I have a question which is not relevant to reclaiming, but I wonder if you can answer this or point me to someone who can, When looking at my bank statement online, I note that 2 payments have been taken on 23.07.07, how could they do this earlier today ???

Edinburghlass_2

It depends on what time their system updates. On my online banking I can quite often see Monday's transactions that are in over the w/end but dated for the Monday.

Just went to check but its past midnight so it would show as correct anyway.