Bank Charges Success Stories II

[Deleted User]

My DD has just been sent a cheque for 210.00 from the A&L She is over the moon She asked me to say thank you very much for the advice given

nicpic1

Claimed: £4064
Received: £4064

Took 3 months from start to finish, but well worth it in the end. :j

skybadger

Halifax
Amount Claimed £2700.
Amount they paid £2500
Got to final pre-court letter and received a letter offering £1466, they had replied just outside the 14 day limit so I rang a very nice man and said I had already filed court papers (was about to but hadn't yet) so wasn't sure what to do within 5 mins he offered £2500! Which I accepted. Thank you for the template letters and to The Forum which gave me the courage - modern day Robin Hoods?

(just a few sentences, please include how far you went did you a. just write a letter, b. threaten to go to court or c. actually go to court)

• Read the article
  How to Reclaim Unfair Bank Charges

• Discuss the issues
  Discussion on reclaiming charges
  Discuss the impact on bankings future

Please don't use this thread for general discussion on reclaiming bank charges.

[/QUOTE]

Soundwave_2

HEY Barclays wrote to me on Saturday offering me £1115, which I will take
My total charges are £2000 but I just wanted enough to pay overdraft. And I did not want to take it to court.

So thank every one for help and keep trying!

nsss1

Bank: First Direct
Amount Claimed: £2577
Amount Paid: £2244

Sent my letter asking for 6 years of bank statements on 22/05/07. These arrived on 11/06/07 (£10 was offered but wasn't taken). Letter sent to FD on 13/06/07 asking for money back. Got an offer THREE DAYS later (16/06/07) which I have accepted.

Thank you very much for starting this up Martin. You are a saint!

I will now do my best to stay in the black.

absart

Bank: Nationwide
Claimed £3330 inc costs and interest
Paid in full!

They went all the way to the last day allowed by MCOL then paid the lot!
Well chuffed! Its my boyfriends account, who never has luck with money. Now he thinks i'm ace!!! :A Cheers Martin!

moneymaniac_2

Bank: HSBC
Claimed: £758
Received: £704

Wrote to bank with MSE template on 10th April. Sent letter back within week saying i would get full response within 8 weeks......kept calling them when near 8 week deadline and pestered them in general...was about to sedn 2nd letter when got e mail saying they would offer me £704:j as long as accepted T & C (which i will in pretend to do for the money!!) will be with me in 14 days!!
Yipeeeeeeeee
Thanks MSE for this and EVERYONE should do this, make them pay what they owe us!!

Robertessex

Bank: HALIFAX
Amount Reclaimed: 5489.43 INC INTEREST
Amount they paid: 4700.00

TOTAL CHARGES WERE £4810. PLUS INTEREST
SO IM ONLY DOWN £110 ON ALLCHARGES.
STILL VERY HAPPY

The story:
i FIRST WROTE TO THE HALIFAX END OF FEB 2007 I WAITED TILL THE FULL TIME SCALE ALLOWED TO THEM TO REPLY WITH MY CHARGES OVER THE LAST 6 YEARS.
I MADE THE CALL TO THEM TO WHICH THEY REPLIED THAT THE CHEQUE SENT TO THEM HAD ONLY BEEN CASHED 2 WEEKS EARLIER AND I HAD TO WAIT THE FULL TIME (MORE DELAYING TACKTICK BY THEM).

THEN I RECIECED A LETTER STATING THAT IT WAS ALL ABOVE BOARD AND ANY CLAIM HAS BEEN THROWN OUT (PUT IN MORE POLITER TERMS).
THEN I SENT THE NEXT LETTER DEMANDING MY £5489.43 BACK OR I WILL TAKE THEM TO COURT.

WITHIN 2 WEEKS I HAD RECIEVED A LETTER SAYING GOODWILL GESTURE (BLAH BLAH BLAH) THEY WILL PAY ME £2413.00. WHICH THEY HAD ALREADY PAID IN MY BANK. IF I DONT WANT THIS THEN SEND IT BACK AND CALL THE NUMBER AT THE TOP.

I THOUGHT OH DEAR IN MY BANK ALREADY THERE TRYING TO BUTTER ME UP WITH A DANGLY CARROT I WILL CALL FIRST THING MONDAY MORNING AS TOLD TO DO IN THE LETTER..

09:00 AM MADE FIRST CALL TO AN 01 NUMBER THEY GAVE ME (GREAT SAVING MONEY THERE ALSO)
GOT STRAIGHT THROUGH TO THE PERSON ON THE LETTER.
TOLD THEM IM NOT HAPPY AND WISH TO SEND THEM THE £2413.00 BACK TO WHICH SHE REPLIED WE ARE NOT PREPARED TO PAY THE INTEREST ON TOP BUT WHAT WOULD YOU BE PREPARED TO ACCEPT.
I SAID WELL IF NO INTEREST THEN ALL PREVIOUSE CHARGES UP TO THE DATE,
OFF THE TOP OF MY HEAD I THOUGHT THE INTEREST WHEN I CALCULATED IT WAS ABOUT £700 SO I SAID £4700 AND YOU HAVE A DEAL AND STRAIGHT AWAY SHE SAID THATS FINE YOU DONT NEED TO PAY THE £2413 BACK WE WILL GIVE YOU THE £2287 WITHIN THE NEXT 14 DAYS DIRECT TO YOUR BANK ACCOUNT AND I WILL SEND YOU THE CONFORMATION LETTER..

"I THINK THAT MOST PEOPLE WOULD PROBABLY SETTLE FOR THE FIRST AMMOUNT BUT STICK WITH IT FOR A BIT AND SEE WHERE IT CAN LEAD YOU"
ONCE THE FIRST CASH IS IN YOUR BANK YOU HOLD THE ACES

SO JUNE 18TH ALL DONE DEAL.

BLIMEY IM OVER THE MOON WITH THIS WEBSITE :T

IM JUST WAITING TO GET THE FINAL PAYMENT AGREED

WHAT THIS WILL DO IS ALLOW ME TO GET OUT OF THE RUT THAT I AM IN AND START MY FINANCIAL LIFE OVER AGAIN

THANK YOU MARTIN

LoopyLou23_2

I cant believe it, it actually did work for me!

Bank: NatWest
Amount Claimed: £4776 (plus interest
5912.29 not that we expected to get that)
Amount received £4740
Time Taken: 3 months (we were a bit slack)

How we did it?

I wrote asking for the list of charges and recived 6 years worth of bank statements March 30th 2001- March 30th 2007 i spent two days going through noting down all the charges and another two days getting them typed up into a table!

I wrote to the bank, gave them 28 days and heard nothing, i wrote again offering to accept "without prejudice" £4776 if they settled within 14 days

Today we got a letter back on the 14th day! Stating they were not admitting liability and stated the charges were fair etc but would offer £4740 as full and final settlement

We are accepting and hoping to have the money with a week (perfect timing to get new baby a pram - just found out we are expecting!)

mart2304

Halifax Bank
Amount claimed : £805.00 Charges
£200.65 Interest
£120.00 Court costs

Amount recieved : Full Amount claimed

A very big thankyou to Martin Lewis.

Credited to my account today, 24 days after 'Acknowledgment of service'.

My advice to anyone thinking of making a claim is 'Do it now', follow the steps given and dont let up on the bank even when they try call the shots.

Waiting for my Visa statments now so i can do it all over again!