Reclaim Unfair Bank Charges article discussion Part II

minxy77

Mar.cresham wrote: »

Ok i sent off mt frist letter giving 14 days didnt hear a thing. Sent off letter number 2 giving 14 days saying id take them to court if they didnt deal with it as its a hardship case again didnt hear anything. So i rang the bank asking what was going on was told the manager was dealing with it and would ring me the next day. So i waited for the call from the bank it didnt come (whats new) Then this morning i got a letter thanking me for my claim haha and that they would be in touch by the 7/04/09 with an outcome on it. FINGERS CROSSED.

Thing is i give 14 days in my last letter this will make it over 30 if i wait to the 7/04/09

so sould i write back saying thats to long?

or

sit it out to the 7th and see what happens?

i would wait the 8 weeks at least then you know you are in the right and can't get fobbed off

Lumbworth

Hi all. I've sent off the first letter reclaiming my charges under hardship and had this reply back now.


10th March 2009
Dear Mr Lumb
Thank you for your letter dated 2 March 2009 concerning bank charges
I am Iooking into the matters you have raised and will contact you with a full response as soon as I have completed my investigations
In the meantime, I enclose a copy of our leaflet which explains how these matters are dealt with. If you do need to contact us, please quote reference number….
Yours sincerely

Chris Matthews
Service Manager


Deadline I gave is tomorrow but there's no date or anything in the reply I've received. What do you think I should do next?

natweststaffmember

Lumbworth wrote: »

Hi all. I've sent off the first letter reclaiming my charges under hardship and had this reply back now.


10th March 2009
Dear Mr Lumb
Thank you for your letter dated 2 March 2009 concerning bank charges
I am Iooking into the matters you have raised and will contact you with a full response as soon as I have completed my investigations
In the meantime, I enclose a copy of our leaflet which explains how these matters are dealt with. If you do need to contact us, please quote reference number….
Yours sincerely

Chris Matthews
Service Manager


Deadline I gave is tomorrow but there's no date or anything in the reply I've received. What do you think I should do next?

I would send the next letter to the bank.

Hopeful1

Can i suggest that if people are struggling due to charges being added to their account on a monthly basis that you set up a parachute account to stop the cycle? Whether you are entitled to reclaim under the hardship rules or not it is still a long process.

On post 3901 and onwards there are links i've posted up to help with various aspects of reclaiming eg useful websites, template letters etc. Esmeralda also posted a link i believe Natwestbanker has a useful link in his sig.

Read around as much info as poss to help you understand what needs to be done next.

Good luck with your claims

gray1st

I have a quick question which I hope someone else can answer fairly quickly! I defaulted on a DD for a bank loan due to not being short that month..I missed a couple of payments due to becoming redundant etc. I have now racked up excess charges (calls and letters) and interest to the amount of around £500. To save any further charges being added I paid the amount but was wondering if it were possible to reclaim this?

ofens

Hi, has anyone tried using one of teh numerous companies that offer to claim bank charges on your behalf?

I work away most of the time and so don't have the time to properly pursue the process myself, so this seems to be the way to go.
But I'm concerned about choosing a reputable company to help me.
Any ideas?

esmerellda

do it yourself, it doesn't take much time.

Send your DPA Request - http://www.moneysavingexpert.com/redir/5dfbe25a and £10

Wait till they send the info/list of charges. Add them up.

Then send your letter for the refund of charges - http://www.moneysavingexpert.com/redir/c129d2ac

Then you will be on hold for the outcome of the test case


A company won't get it through any quicker, and by the time you found one and given them all the info, signed T&C's and sent them all the info you may as well have sent the letter to your bank yourself.

esmerellda

gray1st wrote: »

I have a quick question which I hope someone else can answer fairly quickly! I defaulted on a DD for a bank loan due to not being short that month..I missed a couple of payments due to becoming redundant etc. I have now racked up excess charges (calls and letters) and interest to the amount of around £500. To save any further charges being added I paid the amount but was wondering if it were possible to reclaim this?

Yes it is.

moonbunny

In January 2008 I reclaimed £3,656 from Abbey using Martins template letters. I then stopped using the Abbey account which was overdrawn by £2000 and switched to Nationwide for my day to day account. Many more letters were exchanged as Abbey kept sending debt letters and I kept writing back and pointing out that I considered they owed me more money than I owed them. I was made redundant in December 2008 and wrote again to Abbey and filled in their from for income and expenditure and enclosed my Job Seekers Allowance claim form. Today, Monday 16 March 2009, I have had a letter from Abbey to say they will refund £3,006. A very very pleasing result I think and thanks a million Martin, what a star!

minxy77

hi just an update i have now had my final response from the halifax ha ha ha they have offered me a goodwill gesture of 15.00 for over £900 worth of charges so as i already have a claim put in with the fos they said just to wait until i get the response in writing and they will take it over so will keep everyone posted always knew the halifax were rubbish