Bank Charges Success Stories II

princesskez26

Bank: First Direct
Amount Claimed: £75
Amount Paid: £75

Easy as pie this one. Wrote to them on 3rd July asking for charges back, got a letter this morning saying without admission of liabilty they will pay me £75 yipeeeee.

Kez

missnpatel

Bank: Barclays
Amount Reclaimed: £575.00
Amount they paid: £405.00
The story: Barclays would not accept liability but paid me £405.00 as a good will gesture. It took nearly 2 months for them to respond properly but I only sent one letter and I accepted because I was happy with the offer.

Now going to see if I can claim back charges from Barclaycard and Capital One credit card. I have had £100s of charges in the last 3 years but have paid off my balance. So I don't actually owe them any more money.

Has anyone ever done this before???

ProfB

Bank: LloydsTSB
Amount Reclaimed: less than £100, no interest claimed.
Amount they paid: full amount claimed + interest + moneyclaim fee £30.
The story:
Less than £100 charges, all from years ago when I slipped over the agreed O/D limit a few times. Followed the advice on Martin's site to the letter. Wrote asking for the charges back. Lloyds initially refused to pay. I offered to settle for 75%. No reply. I used moneyclaim website (for the first time) to start legal claim, £30 fee. Lloyds' solicitors wrote back a week later saying they would defend the claim (presumably so they can say I backed down) but the next day a letter came from the same people offering to settle in full without prejudice. Thanks, Martin

Unrepentant_Debtor

Bank: HSBC
Ammount Claimed: over £1700 (not including interest)
Ammount Won: over £1500

Started mid April. 1 letter and multiple follow up calls. at end of 8 weeks started threatening Financial Ombussman. Was told my offer letter had been sent, turned out it hadn't. Probably sitting on someones desk.

Ended up going to my branch where they printed a copy of the letter after being told by three people that it hadn't been scanned and this was not possible, spoke to a very nice lady in the Leeds complaints office who said she was sorry, the other staffers had been wrong and to just pop into my branch.

As I live in leeds she even suggested coming over to the office to deliver the reply in person to make sure it was dealt with!

Unfortunately couldn't do that due to work commitments so sent it registerd post.

Called today, money will be in start of next week.

Here's something interesting though: Called HSBC to ask why my offer was lower than what I'd claimed. At first I was told it was because they don't pay interest. As I hadn't claimed for interst I asked for a further explanation. The gentleman grudgingly explained that HSBC take off 15% as they beleive that's what they're due.

That's as close as I've heard HSBC admitting they only need 15% of the charges to cover costs?!?!?!?

panzer_soldat

Bank: Abbey
Amount Reclaimed: £1413+ £495.28 interest +£220 court fee
Amount they paid: £2151.28
The story
Abbey have dragged their feet on this one all the way. Only advice that can be given is to persevere. We followed the steps on this site.Got to the stage of a court date being set (28/08/07) Received letter today asking us to contact court to withdraw the claim. We will do this once the funds have cleared:rotfl: Top bloke Martin, and all members of this site who have contributed to this result.

Grantor

Bank:- Capital One

Reclaimed:- £89.04. No idea how much i was owed, as I closed this account down about 3 years ago, but I sent the standard letter asking for statements along with the £10 cheque; two weeks later I got an offer for this amount. I'm probably entitled to claim for about £200, but can't be arsed with all the messing about. £90 will do nicely.

This is the third successful claim I've had after taking Capital One for £16 (big wow...) and Natwest for £1100 (bigger wow); as always thanks to Martin and all on this site for the excellent help and info. To all those still claiming - keep going, and don't lose faith!

Deborah_Roberts

:T
Halifax
Amount Reclaimed:- £384
Amount Received:- £324!!!!!!!
Halifax reply to my first letter was text book in telling me that I should have had these charges imposed. Sent a reply to say not happy with their answer. Received another letter offering me half of what I had asked for without interest. There was an option on this letter that if I was still unhappy I could phone them. I did and within seconds I was offered every penny of my charges without interest!!!!! £324 :j Result!!!!!!!!! The whole process has taken about 5 weeks - Go for it!!
Martin, if I wasn't married with children - I'd have your babies!!!! Many thanksx

MSE_Martin wrote: »

After the huge number of successes reported the last Bank Charges Success Stories thread has now got so long it hardly opens!!!! So this is success stories mark II.

View Bank Charges Success Stories I

which has 6,059 posts in it and has been viewed 1,188,548 times

Please report your successes here, if possible in the format

Bank:
Amount Reclaimed:
Amount they paid:
The story:

(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.

camilla_3

Bank - Barclays
Amount Reclaimed - £1025.00
Amount Received - £765.00

I sent a letter to Barclays in May 07 saying i wasnt happy with the charges and was expecting a reply within 14 day!......
they replied about 2 weeks later saying that it was being "investigated" and that they would try to get back to me within the 14 days (even tho two weeks had already passed....duh!)

i then received a letter a week later saying the investigation was still ongoing and that they would reply to me within 4 weeks - due to the depth of the investigation!!! whatever!

so i sent them a letter saying i was unhappy and threatened court action and that their deadline was the 6th July.
On the 7th July i was offered £765.00 - woop woop!
although this isnt the full amount it helps alot with moving out!

Thanks so much to Martin for the Step-by-Step guide, i am now in the process of helping a friend do the same with Lloyds TSB!

Tricks_2

Bank: Halifax
Amount Reclaimed: £6701.00
Amount they paid: £8591.00
The story:

Had a hard time at first, ended up taking court action, day after they were supposed to have defended case they paid up, it was hard work and a lot of worry, but its very worth while... I wish the rest of you all the best luck :0)

:beer:
Thanks for the wonderful site Martin, :money:

gerry6666

Bank: Lloyds
Claim: £8007.99
Settled: £8253.21

Thanks Martin, started the process about 4 months ago, court date set for 1st Aug (day before honeymoon!), offered them last chance to settle for £7103.50 with time limit. No response then 7 day's later offer as above! Can't be bad :money: