Bank Charges Success Stories II

Mama_2

Barclaycard
£754 (inc £80cost +£50 expenses -initiated by the judge!)

I went to court today against Barclaycard, after 1 refused offer. They didn't show and the judge asked if i'd taken time off work to be there, (i hadn't but explained my husband had, so he could look after my son.) The judge calculated the interest to date, as i wasn't worried about what had accrued since putting in the claim. So all in all I won £65 more than i was claiming!!!

(I was also in court with Lloyds TSB, but they've requested a stay, and i only got their letter advising they were going to after returning from the court!!! it was dated 4 days ago!)

dawnie_1066

Amount claimed £1150 including interest
Amount offered £750

I cant quite believe it but Lloyds TSB have sent me a letter offering me £750 as full and final settlement for my claim which is to be paid into my account within 10 days. Should I send leter saying I accept without prejudice your offer etc...

I hadnt got as far as issuing court proceedings against them but had followed all Martins advice up to that point, I was deciding on the court V ombudsman option when the stay was announced and thought that was more or less the end of it but apparently it wasnt!!.

The trouble is since I originally wrote to Lloyds I have incurred another £350 charges and want to know should I push my luck and send a letter asking for these back too ???

Anyone still waiting for their money just hang on in there I think everyoe will get paid something from the big bad wolf

regards
Dawnie

shoegirl1974

Just a quickie to say thanks for all the inspiration to do this!

I sent letters to Barclay card and Capital one July 10th and have recalimed:
£80 Barclaycard and Capital One have offered £230 although I requested £600 so i shall call them and see if i can get a little more!

Just waiting for LLoyds, Halifax, Littlewoods and Egg now.....not bad for writing a few letters eh! Couldnt have done it without reading all the advice from everyone.....
KEEP GOING!!!!!!!!

chrissieo

Another victory

And this one without even entering court proceedings.

In May I sent MBNA (Alliance & Leicester credit card) a claim for £390, which included £90 of interest. On the 28th June I receved a leter with the usual blah blah blah goodwill payment of £180. I wrote back and said I would accept this as part payment and if they did not refund full amount I would proceed with court action. I heard nothing and was going to enter MCOL this week. Today I got a letter offering me a further £288 goodwill payment which in total is £468, £90 more than I was claiming in the first place. Wont see any of it as I still owe them some omeny but at least it has reduced the debt and will reduce my interest charges.

Chrissie

A19PCA

:j :beer:

Thank you Martin, does not begin to cover my gratitude.

My partner and I have just received cheques from HSBC totaling: £1300.
All just from sending just 2 letters and waiting just over 3 months.

I emplore anyone who has not looked into claiming back charges, to do so straight away.

Thanks so much Martin! :T

johnbfan

Reclaiming £1013.09 - started February
Received £750.00 - paid into the bank August

Started end of February with the first letter requesting the list of charges for husband.

Last two letters never got a reply to - know they received them as was doing a refund request for my son as well posted in the same envelope - son got more back than he was claiming for!!.

Just got a letter with a full and final settlement of £750 for my husband. He is accepting and won't continue to claim the rest now - wants to leave it at that. He feels that as he handled his bank account attrociously he deserves some sort of charges.

Will send them a letter stating acceptable as part payment pending the results of the court case as short of breaking the OHs arm he won't sign another letter for it except the one Im doing now. Will expect the rest back when we win.

Thanks to everyone for their support over the past few months.

Cocotheblackcat

Bank: Nationwide
Amount Reclaimed: £421
Amount Paid: £666.39

Wrote first letter to Nationwide branch on 17 February asking for £421 charges to be reimbursed enclosing breakdown of charges. Did not receive a reply, so wrote again to branch on 9 March expressing disappointment no reply had been received etc. Still did not receive a reply so wrote to Member Service in Northampton on 23 March asking for a reply within 7 days. Received 2 standard letters dated 23 and 31 March explaining their charging policy and stating that they could not refund charges as it would be unfair to other customers in similar circumances - they also enclosed a leaflet about their internal complaints procedure and financial ombudsman. Wrote again on 5 April saying that if I did not hear favourably within 7 days I would take the matter to the small claims court. Received 2 more identical letters from Nationwide as above dated 13 April and 16 April explaining their charging policy and stating that they could not refund charges as it would be unfair to other customers in similar circumances - they also enclosed more leaflets about their internal complaints procedure and financial ombudsman.

Filed a claim with MCOL on 24 April for £550 (£420 + Interest of £80 + £50 costs). Nationwide acknowledged the claim on 30 April stating they were going to defend the claim.

Nationwide waited until the 11th hour and then paid £666.39 into the account on 23 May, stating this was £500 charges in full settlement including £116.39 court fee and interest.

They did not close the account, but warned that if we went overdrawn again they would do so. We are currently still banking with Nationwide.

Thank you moneysaving expert for your moral support, which encouraged us to pursue our claim.

cazmaxlu

Started back in Dec 06 - reclaiming £1720.16. 6 months of going through the court process, Natwest putting in their defence etc.........Offer made in July from Natwest for £1200 - I refused.
Court date hearing set for 9th Aug 07. Natwest's solicitors RANG me on 7th Aug to offer full amount - I accepted and cheque for £1720.16 rec'd the next day!!! :rotfl:

halcyondays

:j
HSBC amount claimed £2608 plus £590.28 interest on 03/06/07
HSBC offered £2601.43 (so no interest) on 19/07/07
HSBC paid on 10th August 2007 after OFT announcement

Thank you Martin! :T

TigerTiger26

:money: First of all the man to the left should be given a Knighthood for all the help he has given to the "Liittle" people in this country

Bank: - Halifax
Amount Claimed: - £2,378.42 (charges + interest)
Amount Received: - £2,494.42 (charges, interest, court costs)

Story: 23rd Feb - Requested Statements (Received 19th April)
20th April - Wrote to request refund
25th April - Received "takes 8 weeks" letter
18th June - Received "charges are lawful, nothing you can do" letter
26th June - Sent Halifax LBA (took a week as didn't get back from wedding until 24th June)
11th July - Began Court proceedings
18th July - Wrote to Halifax to offer them the chance to settle for £2,425
20th July - Received offer of £1,100 from Halifax. Rang number to negotiate stating that I'd settle for £2,320 (charges and court costs). Offer rose to £1,650. Told lady thanks but no thanks.
23rd July - £1,100 deposited in my account. Again, I rang bank and was told that the money was issued before I accepted / declined offer. Again I offered to settle for £2,320. Told £1,650 (75%) was maximum she could offer. Asked why only 75% when others getting 100%. Told its what she is authorised to offer (did they know something then?).:mad:
25th July - Sent letter to accept £1,100 as Part Payment and without prejudice, stating that I would be continuing with my court action for the outstanding balance
27th July - Heard news of OFT / Bank High Court case and started to panic a little.
30th July - Applied for "Judgement By Default" as no correspondance from Halifax.
31st July - Judgement entered in my favour
07th August - Rang Halifax to query when money would be in my account as I don't want to get the baliffs involved (sent letter to Halifax threatening this course of action).
08th August - Receive letter from Halifax re-offering me £1,100 "in light of the test case at the High Court".
13th August 09:00am - Rang Halifx to see where my money is. Told it was signed off on Friday so should be in my account by close of business today
13th August 09:30am - Account credited with outstanding £1,394.42.:j :T :rotfl:

My wife and I have recently got married so finances have been tight and these charges almost runined the biggest day of our lives. Time now to go on a belated honeymoon courtesy of the Halifax!!!!

Thanks to everyone who has ever posted on these forums. Without your help, advise and own experiences I would never have had the nerve to follow this through to its conclusion.

To those of you who are still in the system. The banks are running scared and if you ever find yourself doubting to continue, read some others experiences and you'll find the energy and passion to go on.

:j :j :j :j :j :j :j :j :j :j :j :j :j :j :j