We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
What should I include in my letter when claiming
Birkonian
Posts: 46 Forumite
I have drafted a letter to claim back bank charges and have got copies of all the charges from my bank for the last 6 years.
Do I need to send the list of bank charges and the total amount I wish to claim?
I have already done a speadsheet with the details and totals.
Do I need to send the list of bank charges and the total amount I wish to claim?
I have already done a speadsheet with the details and totals.
Regards,
Birkonian
Birkonian
0
Comments
-
Do I need to send the list of bank charges and the total amount I wish to claim?
No.
As you cant claim charges back as being unfair any more, there is no point doing that. If you are making a financial hardship claim (i.e. you are in a spiral of charges and living on the breadline, have arrears etc) then the lender will decide the course of action it will take. This can range from a refund of some charges or it can be a suspension of charges and interest for the next 6 months or something similar.
With hardship requests, you need to make sure you present your case accurately and focus on the hardship you are suffering. There is no point claiming hardship if you have a direct debit to a mobile phone or sky tv going out for example. The banks do check your statements. You also need to avoid any statement that indicates you feel the charges are unfair and you need to state you are asking under financial hardship.
You want the person at the bank to feel sorry for you and sympathise with your position. So, dont use language or style of writing that is going to alienate them.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
I have drafted a letter to claim back bank charges and have got copies of all the charges from my bank for the last 6 years.
Do I need to send the list of bank charges and the total amount I wish to claim?
I have already done a speadsheet with the details and totals.
This MSE article explains in detail how to reclaim bank charges
http://www.moneysavingexpert.com/reclaim/bank-charges0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604K Mortgages, Homes & Bills
- 178.4K Life & Family
- 261.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards