Re: Reclaim Your Bank And Card Charges
 

That number is for the F.O.S.
http://www.financial-ombudsman.org.uk/
It is one of the ways of getting your charges back. I have heard it takes a little longer than the court route.

Re: Reclaim Your Bank And Card Charges
 

More good news!!

Re: Reclaim Your Bank And Card Charges
 

Mr Angry whats your thoughts on lloyds tsb at the moment? it seems this bank is by far been the worse and in almost every instance waiting till the last moment to settle even for small claims whilst other banks are now settling earlier.

Re: Reclaim Your Bank And Card Charges
 

Lloyds are "old school" and as such they are loathe to admit they've been at this for years upon years. They've recently had a few spankings from other judges and their payout frequency is increasing by the day.

IN OTHER NEWS:

An insider tells me that RBS have recently acquired over £130,000 of new equipment and actually recruited over 100 staff for their Belfast HQ to specifically work nightshifts in clearing / settling customers claims - no further delaying / denying.

"The times they are a changing"

Re: Reclaim Your Bank And Card Charges
 

Hi folks,

Just wondering if anyone can help with the below query? :help:
Originally Posted by Mr Angry
Don't use that template letter - it's too broad ranging and could serve to undermine your case.

There is a process to conducting a successful claim which you must follow.

1) Write to the bank and ask them to refund all penalty charges applied to your account over the last six years.

2) When they refuse then write to the bank making a subject data request under the 1998 Data Protection Act citing exemptions under CH35 part 2 (a) & (b)
-------------
Part IV Exemptions

35. - (1) Personal data are exempt from the non-disclosure provisions where the disclosure is required by or under any enactment, by any rule of law or by the order of a court.

(2) Personal data are exempt from the non-disclosure provisions where the disclosure is necessary-

(a) for the purpose of, or in connection with, any legal proceedings (including prospective legal proceedings), or

(b) for the purpose of obtaining legal advice,
-------------
Allow them forty days to comply with your request and remember to enclose a cheque payable to them in the sum of £10.00 (the statutory fee payable for this information).

Once you receive your data then work out the charges and the 8% interest and you then write to the bank asking that they refund same within fourteen days otherwise you will initiate County Court proceedings for recovery.

Re: Reclaim Your Bank And Card Charges
 

You can skip part one, but why would you want to? Your bank might make the refund immediately - saving you a lot of "hassle".

(Had you sent the first letter back in April you'd probably have had a reply by now anyway).

Re: Reclaim Your Bank And Card Charges
 

Well i have just got a letter from Natwest..

I asked them for £2596.83 and i got a letter back say that they where will to offer me £2493.

How good is that !!!!

I am well impressed :)

Re: Reclaim Your Bank And Card Charges
 

Well done. Spread the word.

Re: Reclaim Your Bank And Card Charges
 

Bad news...

http://news.bbc.co.uk/1/hi/business/6657025.stm

Re: Reclaim Your Bank And Card Charges
 

It's no so much "bad news" Daniel, rather the result of a certain non practising barrister (see earlier posts) defeating a claimants claim by advising that claimant and making legal submissions on his behalf quoting rulings which are patently irrelevant to the core of the case (point 46 of judge Cooke's summary refers).

In fairness judge Cooke could have closed a few more doors had he been minded to do so. I think consumers will benefit from his thoughts on the matter and the specific guidance he offers those who bother to read it.

Re: Reclaim Your Bank And Card Charges
 

surprise surprise its lloyds who took it all the way.

Re: Reclaim Your Bank And Card Charges
 

There's a big discussion on this here, including comments from the guy himself, in the following thread

http://www.consumeractiongroup.co.uk...-lloyds-6.html

Re: Reclaim Your Bank And Card Charges
 

I'm split on this one... it would've been quite nice to see David win against Golliath, but it could have opened the floodgates towards the end of free banking, which is something that I benefit from as I manage my finances without the need to incur any changes/penalties.

Re: Reclaim Your Bank And Card Charges
 

http://news.bbc.co.uk/1/hi/business/6692559.stm

It's not looking good....

Re: Reclaim Your Bank And Card Charges