What happens now from 24/4

sacostel

Hi all

Sorry if this has already been covered, but last year I managed to successfully claim back £960 in charges from my bank (NatWest). I have not incurred many since, although there are some from in between times that I did not claim.

Before I accepted this money from NatWest, they asked me to sign a letter saying that I would be happy to accept all future charges. I signed it as I didn't want them to close my account if I didn't (or not give me the money of course).

Does this now mean I can not reclaim? was this declaration indeed fair in itself or legal? or were they just trying to cover their own backs?

Does anyone know?

Thanks for reading.

mamma_moon

Likewise have been trying to reclaim on my sons behalf .Had letter in July saying LTSB had given him £750 which was all they could do .Should he now try and reclainm the remaining £2250 which was the amount of his original claim . Any info much appreciated as we have been waiting for this case to end so we knew whether it was worth going to court as the fees were quite high
Mammamoon

ernie-money

I reclaimed a very small amount of charges about a year and a half ago, and in order to receive my repayment, I had to sign an offer form. Stupidly I never read the small print on it, and when I then incurred more charges again 2 months ago (after not having had a single charge for about 5 years) I rang the bank and asked if there was any chance they'd waiver the charge, as this was very much a one off, and I'd incurred 3 separate charges for just one transaction. i was then advised that I had signed a disclaimer, promising never to claim again, and I just had to bite the bullet and pay the charges.
If the final ruling however eventually says that these charges are unlawful, will I be able to claim again, or will the document I signed overrule the outcome of the test case?
Thanks to anyone who can help - I hope this made any sense!

MoneyMinz

Dear Anyone who can help!

(Sorry if this is already covered in another thread, I had a look but couldn't see any pertaining to my query)

I am helping a member of the family reclaim their charges and would like to know, after the development yesterday, can one "automatically" add interest on now, when writing to their bank, instead of only when they have won their fee's back through the courts? Or do we have to wait for the final answer in May?
It would make a £500+ difference, so any help would be much appreciated.


Ta, all

MM

weaslefeast

Hi there,

I applied for a refund of my charges on 26th July last year.

They decided on 27th July that they were gonna do this test case.

I didn't get any further than a letter saying that they were putting a hold on claims til after test case decision.

What should i do now? Should I re-send the letter asking for a refund?

Many thanks, Jo

thermopyle

If you have already reclaimed charges and part of the agreement was for the matter to be closed and no furthter claims to be made, is this not tantamount to an unlawful contract by the bank if they subsequently make unlawful charges on your account in respect of Friday's ruling?

gravy1nt

Unfortunately, the judge hasn't ruled on whether or not the charges are unlawful. Indeed, that's not what the OFT asked the judge to do! Instead, the judge has simply ruled that the OFT is allowed to assess the charges for fairness under the Unfair Terms in Consumer Contracts Regulations 1999 (UTCCR).
This means the OFT can decide what to do about bank charges. As it has yet to complete its investigation, we can't know what it'll do, or even for sure whose side it'll come down on!

irn-bru_5

I have had a claim in for a while now, in fact I was just heading to the Ombudsman when everything was put on hold.

My question is, what will happen if the banks are ordered to repay all the charges?

Will my claim be restarted from the point of stoppage, with the full amounts and extra interest?

Will I have to start over with a fresh claim, losing out on 6 months or so of charges(and gained interest) that will have passed due to the 5 year rule in Scotland?

Thanks for any replies.

Tom W

vickysa

Hello,

Can someone please tell me, sorry if I sound stupid, but the bank I wanted to reclaim charges from I have not used for over 6 years, firstly because I could never get on with them, and secondly every time I attempted to withdraw my wages as I was working at the time they would ask me to supply proof all the time, as they would say we have not got a proof signature of you.

They would say this everytime I went in to withdraw, very annoying, so I decided when I left work that I would use another bank and have since got a new account else where.

But as I have not used the old bank account for longer than 6 years what I wanted to know was this.

Can I claim from say for example, from 1999, and go back six years or somthing similar to that?

I appreciate any help offered.

jubaxt

i'm in the same boat-lets hope someone can advise us