Bank Charges Success Stories II

shariatlanta

Bank Natwest

Amount claimed £1850
Amount received £1571

Started my claim in March and received statements not problem, offer letter received 1st June minus interest which I accepted and sent straight back, had a few problems because account with credit management who kept telling me they would send a cheque I finally spoke to someone who arranged for me to collect the majority of the money from my account last week but as they had continued to add interest to my overdraft which was frozen in September I still have £126 left to be sent out by cheque, should receive it at the beginning of August.
Just shows that if you ring then often enough it can be done, result my overdraft is now paid and I'm about to tackle Sainsburys credit card and my partners Woolwich account :j

Thanks to Martin and everybody for the advice I got on this site.

4236perkins

Bank Lloyds TSB
Reclaimed - £3250 Plus Interest & cout costs
Settled in Full !!!!!!!!!!!!!! (£4200):j :j

Advice - Just be polite & professional at all times. Always send letters Recorded 1st Class post, make sure all the details are correct & do not ring them as formal letters are much better then a brief 'unrecorded' conversation with a bank employee.

Remember they are a business, they saw an opportunity, 'bent' the rules to suit & became VERY GREEDY. Plus if we were better at looking after our own finances we wouldn't have been charged in the first place. But it does show us not to trust any of the banks etc to do us favours in the future!

The extra income Banks had over the last 20 -25 years is possibly £££billions and even if they paid back everyone for this last 6 years i dont think it would worry them in the slightest. They possibly had an idea that this would happen one day anyhow. (It would be interesting if there are any retired bank staff on this forum, who had been in meetings where 'default charges' was an discussed subject by the banks.

Thank you to Martin Lewis, and everyone who helped me reclaim over £7000 regards default charges. (When i think of £7000 over 6yrs, its about £100 per month!! I think i need to improve my how i look after my personal finances!:beer:

Regards
Thank you:T

Jack-Herts

Bank: HSBC
Amount claimed: £3500
Amount received: £2400

Copied all statements from HSBC website. Sent first letter (asking for charges and interest) and got a prompt reply saying they would investigate.
Waited 2 weeks and sent another letter giving them a further 2 weeks to finish investigating.
After no response, sent a third letter telling them I'd go to court if they didn't reply in another 2 weeks.
No surprises, they didn't reply. Took them to court on the moneyclaim.gov.uk site using Martin's template.
Got a response within 3 working days offering to refund all charges but without interest. That letter arrived today and I intent to accept.

Thank you Martin, for all your help.

burnsygirl

Bank: The Co-Operative Bank
Amount Claimed: £2100
Amount Received: £1500


Sent for a list of my chrages, which came within the 40 days. The list was a bit confusing to understand, and from my understanding I calculated that I was owed £2100 but recieved £1500 - which I am more than happy about!:T

I then sent the 2nd letter (from Martians templates) twice as I had no response and a separate letter to the complaints dept to which i heard nothing. Then yesterday I checked my bank account online and the charges had been refunded! I've still as yet recieved no correspondence from the bank!


REMEBER TO SEND ALL LETTERS RECORDED DELIVERY!!!!:j

TigerTiger26

Bank: - Halifax
Amount Claimed: - £2500
Amount Received: - £1100 (as part payment and without prejudice)

Any claiming from Hlifax beware they're trying to play handball. Follow the guides on this site and we can all win back what is rightfully ours

Shellyk_3

:rolleyes: :rolleyes: :rolleyes: :j :T :j :T :j :T :j :T :j :T :j :T

COULDN'T WAIT TO POST ON THIS THREAD!!!!:beer: :beer:

JUST RECEIVED A LETTER FROM CAPITAL ONE SAYING THEY ARE SENDING ME A CHEQUE FOR THE FULL AMOUNT CLAIMED £1740. THEY PUT A DEFENCE IN ON MY CLAIM 5TH JULY. I AM SOOOOOOOOOOOOOO HAPPY.:rolleyes: :rolleyes: :rolleyes: :T :T :T

EVERYONE THAT IS STILL TRYING TO CLAIM KEEP CHUGGING ALONG!!!

JUST NEED TO TRY AND GET MONEY OUT OF LLOYDS TSB - BEEN GOING ON SINCE FEBRUARY. HARD WORK!!!!:mad: :mad: :mad:

Take.v2

Bank: HSBC
Amount Claimed: £1812
Amount Paid: £2075

Has been a bit drawn out in length of time it has actually taken, but only required sending the first two form letters from this site. So pleased to have actually got a result without having a long drawn out process.

Happy days.....!!

Maaaahtin

Bank: Natwest
Amount Reclaimed: £526 + interest
Amount they paid: £526
The story: Wrote to Natwest in April asking for a list of my charges, within two weeks I'd received a packet with every statement ever. I added them all up and came to £526, I thought I'd ask for interest as well, so I wrote them another letter. I received a letter a couple of weeks later saying it'd take "six to seven weeks" to receive another. On Saturday I got a letter saying they'd pay back all £526 into my account! Result.

floridalady

Right, sent off for statements on 7th April, got letter back saying that they would be arriving in batches soon. And so they did. Calculated that HSBC owed £2672.50 to me. Sent off letter containing charges list, got a confirmation letter in May saying that they were looking into it. Just received letter today saying that, without prejudice, they are paying into my account, £2239.75 within 14 days.:T

Gracie_Sausage

My Partner
Bank: HSBC
Amount Claimed: 2357 inc interest and court costs
Amount Gained: 1677 which is 90% of claim excluding interest and court costs.
The Story: They sent the statements through within one week and replird to first request with a "looking it" letter. Sent second request and no reply within 14 days. Issued court proceedings which they acknowledged almost straight away. They sent through the offer letter and also defended court claim. We accepted the offer as didn't want it dragging on too long and split the money!! Hee Hee!!

My Claim
Bank: Halifax
Amount Claimed: £400
Amount Gained: £237
The Story: Requested Bank statements in April ( still not receieved them! ) no reply, luckily had most of my bank statements for the last 5 years anyway ( new I kept clutter for a good reason!) First request was ignored as was the second request. Complained to the information commissioner which is a complete waste of time as I still have not recieved my bank statements as clearly there is nothing te comissioner can do about it. Requested they look into charges over the telepone within 5 days they sent me a letter saying I was entitled to nothing and the charges were legal. She automatically sent through a second request for me. 8 weeks later I have now had a response offering £158.00 (50% of claim less interest). I ran them and advised them this was unacceptable and they offered me £237.00. Apparently they are only authorised to negotiate up to 75% of the claim excluding interest and court charges. Said it wasn't good enough and she couldn't do anymore. Rang them back an hour later and she still couldn't do anymore so accepted the offer. However I will now change my bank as I have all of my accounts with them and my mortgage and credit cards and even my daughters savings account so there loss is a very loyal customer. What angers me more is that they are now advertising £100 free to new account!! Disgusting!!

But Thanks Martin you are a real man of the people!!:j :money: