Re: Reclaim Your Bank And Card Charges
 

Well not exactly a week later, more like 7 months but I'm now going for it, Handyman has sent me his template / copy of the letter he sent out, I think it's the second one :shrug: I'll look into how the first should be worded, so much to read again, but this time I'm doing it :tu:

Re: Reclaim Your Bank And Card Charges
 

1st letter on it's way to you bop. (dpa request)

Re: Reclaim Your Bank And Card Charges
 

Cheers matey, :tu:

EDIT: Got it / them :tu:

Re: Reclaim Your Bank And Card Charges
 

Re: Reclaim Your Bank And Card Charges
 

My mum only questioned them about RPI that she was sold and they threatened to close her account.

Re: Reclaim Your Bank And Card Charges
 

Mr Miles should have threatened to sue them for theft! Better that than them having to put up with a bit of criticism from the ombudsman ;)

http://www.cableforum.co.uk/board/757185-post85.html

Re: Reclaim Your Bank And Card Charges
 

Could my bank, if I requested my charges be refunded, demand I pay back a loan?

Re: Reclaim Your Bank And Card Charges
 

I think this has been answered already in this thread, the answer IIRC was no, that it ( the loan ) was taken out under different terms, something along those lines.

HTH

Re: Reclaim Your Bank And Card Charges
 

Hmmm - I bet they could somehow close it. I've worked out that the charges over the history of my account amount to £360. Not a lot really but sufficient for a new carpet :D Will have a read of the loan terms.

Re: Reclaim Your Bank And Card Charges
 

I saw on the front page of the Daily Mail today that banks are closing customer's accounts if they ask for charges to be refunded, so it looks like it may have already started.
I've sent 4 letters off to various financial institutions today on behalf of a friend, asking for charges to be refunded, so watch this space! None of those accounts are 'active' now but are part of an 'informal agreement' made via the CCCS, so it will be interesting to see what the bank does with that!

Re: Reclaim Your Bank And Card Charges
 

seeing as the cccs is funded by the credit industry, I wonder if they are going to encourage people to claim back bank charges... :erm:

Re: Reclaim Your Bank And Card Charges
 

I'd hope they're independant but you never know.

http://www.moneysavingexpert.com/cgi...41050760,24632,

The above is a great articel by Martin Lewis :yu:

Re: Reclaim Your Bank And Card Charges
 

Reading the success/failure thread on the MSE site, Abbey seems to be the main one that likes to play tough. Abbey are my bank :rolleyes:

Re: Reclaim Your Bank And Card Charges
 

Sooooooo they're getting big on shutting accounts down now?

I wanted to claim my bank account charges but not if they're gonna shut my account down, i'll only be able to get a basic one now:(

Re: Reclaim Your Bank And Card Charges
 

Same problem here, I'll be moving house in the next week or so, so I'll wait untill then to set the ball rolling, save the hassle of address changes etc etc

Re: Reclaim Your Bank And Card Charges
 

Folks, it's really quite simple.

Before you make your claim open another bank account as a parachute.

Re: Reclaim Your Bank And Card Charges
 

Try HSBC (assuming they're not your current bank), they're pretty good about giving current accounts out :)

Re: Reclaim Your Bank And Card Charges
 

I'm with Barclays now, thanks Shaun i'll try it.

Re: Reclaim Your Bank And Card Charges
 

Barclays are IMO one of the worse - don't they charge by the day rather than by the item? :erm:

Re: Reclaim Your Bank And Card Charges
 

Yes - they do - and make threats of sending baliffs to people totally unconnected with the account holder! :ninja:

Re: Reclaim Your Bank And Card Charges
 

I had an account with them for about 3 months but had a blazing argument with a memeber of staff in a packed branch here in Leicester when they refused to give me more than £50 in one day.

The guy couldn't understand why them not letting me have MY MONEY was a problem!

Never again.

Re: Reclaim Your Bank And Card Charges
 

They charge £30 a day, but they don't charge more than 3 times in one month if i remember rightly.

Re: Reclaim Your Bank And Card Charges
 

That's "very big" of them.

Re: Reclaim Your Bank And Card Charges
 

I know, i got a £30 charge the other day because of a direct debit taking me over my limit, even though i had cancelled this direct debit (EDF Energy) 3 or 4 times already, but the nice bloke from Barclays said it was on my account as newly set up, each time. So i have to get them to pay for the charge, EDF said they were ringing me, and as you might have guessed, i've had no call.:mad:

Re: Reclaim Your Bank And Card Charges
 

Who is "them"?

Re: Reclaim Your Bank And Card Charges
 

I'm guessing EDF.

Ultimatley I'd expect Bardclays to refund the charges and the money wrongly taken. :( Then personally I'd write a snotty letter asking EDF for the same money back and be up by £X. But then I'm like that - I think why shouldn't I be paid to sort out their problems?

Re: Reclaim Your Bank And Card Charges
 

Yeah i meant EDF, i'm going to ring them today because i'm not at all happy about the bank charge, i never authorised direct debits to be set up on my account apart from the first time round, when i cancel them surely they can't keep setting them up again!!

Re: Reclaim Your Bank And Card Charges
 

You are covered by the Direct Debit guarantee scheme. As such Barclays should refund your money (along with the charges) if it was taken in error.

Re: Reclaim Your Bank And Card Charges
 

Barclays did refund the money, but said i had to ask EDF for the £30, surely the bank should give me it and ask EDF for it themselves?

I shall ring the bank again first then, it's less of a headache than ringing EDF.

Re: Reclaim Your Bank And Card Charges
 

EDF would laugh at them.

Barclays took it off you so Barclays should give it back to you, simple as that.

Re: Reclaim Your Bank And Card Charges
 

My brother in law has just told me of something he saw on t.v. It goes along the lines of a cut off date in which to claim, i.e. if it's the 31st of March then no-one else can claim after that date, any truth in any of this ?

Thanks.

Re: Reclaim Your Bank And Card Charges
 

No.

Re: Reclaim Your Bank And Card Charges
 

Thanks for that Mr A :tu:

Re: Reclaim Your Bank And Card Charges
 

Well I got a reply from one of the Barclay's letters I sent - apologising for the fact I wasn't happy with their service and a nice leaflet outlining theit T's & C's, and a promise to be in contact again with the required information.
The other 2 letters I sent (to other Barclay's departments for other products) have so far been ignored. I await their reply with interest - I think I sent the letters about 10 days ago now.

Re: Reclaim Your Bank And Card Charges
 

.....but there is a worry (I'm not too sure it'll be an issue myself) that the OFT will rule that the £12 is reasonable and then banks will offer the difference between what you were charged and the £12.

When the OFT looked at it before they did include a disclaimer saying that they didn't necessarily think a court would find £12 to be the right figure so I can't see it becoming a major issue.

More over at www.moneysavingexpert.com :)

Re: Reclaim Your Bank And Card Charges
 

The issue here is that the OFT are not the law.

Irrespective of what they, or anyone else, may say - fees which represent anything beyond the administrative costs incurred are considered a penalty and penalty fees are illegal under consumer contract law.

Re: Reclaim Your Bank And Card Charges
 

Like I said I can't see it being an issue but it may be something the banks crab hold off and then try to use against people. It may make some drop out when they get a letter saying the OFT have looked at it and see £12 as reasonable but I can't see it stopping people who are determined. :)

Re: Reclaim Your Bank And Card Charges
 

mr angry any idea why banks are picky about giving out debit cards? visa deltas which are cheque garuantees i can understand but not visa electron which isnt a form of credit at all.

Re: Reclaim Your Bank And Card Charges
 

http://forums.moneysavingexpert.com/....html?t=391787,

Re: Reclaim Your Bank And Card Charges
 

Just as well I got my requests in then - so far two replies received the first one was non commital and said they will be writing again in due course - the second said that they will supply the requested info on receipt of a £10 payment!

Re: Reclaim Your Bank And Card Charges
 

Hi there,

I have a query which perhaps someone might be able to help with. I was thinking of going into my bank of Scotland branch tomorrow to sit down with my manager and ask for the charges to be refunded. Not a lot as it amounts to aprox £250 to £300 since been with them. I’m assuming since I have only been with them aprox 3 years the manager can surely look this up on the computer to see. I’m hoping (fingers crossed) the same manager can then put this refund thru the same day.

But I'll have more coming as I just had to go over my arranged overdraft while on the ferry to Ireland this week - oops!

My question to you is would I be wasting my time in doing it face to face or should I do it via the letter form?

Kind regards,
Patrick

Re: Reclaim Your Bank And Card Charges
 

Probably, is the answer - depends on the banks policy but I can't see the manager being happy to just dole out a refund to you. They have many targets to hit and I'd be this is one of them :)

The letters are on the MSE site linked above - I'd just download them and send them off if I was you. :)

Re: Reclaim Your Bank And Card Charges
 

Thanks for the feedback Shaun and I will try this approach first I think and failling that I will try the letter route. I cannot seem to locate the MSE site link - would you mind posting it on here for me please? Pretty please with millions and millions of cherries on top. :o:

Re: Reclaim Your Bank And Card Charges
 

Can't see this happening, I had a heated discussion with the bank manager where she repeated that the bank where in the right and I was wrong. I made sure of presenting the cheque 2 weeks later in her presence. silly cow.

Re: Reclaim Your Bank And Card Charges
 

I've received a reply from Lloyds TSB from a letter I sent off asking for the charges on my husbands account to be repaid - they refused of course, but one part in particular confuses me..

Mr Angry or anyone around to offer their educated opinion on what I do next? I can scan the doc in. TIA :)

Re: Reclaim Your Bank And Card Charges
 

Have you threatened them with the small claims court? If so and they've still declined you the next step is to go through with your threat.

Info is here:

http://www.moneysavingexpert.com/cgi...050760,24632,#

It's really very easy and doesn't take much time - they should cave in once they get the paperwork through :)

The link above even includes an interest calculator for you - just plug in the charges and the date you got them and away you go.

Good luck

Enjoy

Re: Reclaim Your Bank And Card Charges
 

Ker-ching!!

pm.

Re: Reclaim Your Bank And Card Charges
 

And as if by magic ........................:D

Re: Reclaim Your Bank And Card Charges
 

Thanks for the feedback and I'll do it via letter. Can I claim from a closed bank account with the same bank? It was closed aprox 6 months ago as that's when I got the current account from them.:confused:

Re: Reclaim Your Bank And Card Charges
 

Current status of the account is unimportant.

Re: Reclaim Your Bank And Card Charges
 

Thanks for the advice and I'm going to write up the letter this weekend in ref to my charges over the years. It don't mount to a lot as in aprox £250 to £300 max. Since I don't know and rather than wait the couple of weeks to find out, can I ask to make a deal as in say pay back £200 and I won't go no further. Plus to scrap the future charges that are to come, since I'll have more on the way due to me going over by a few pound on my o/draft last week. Would this be a good idea to get a quick resolution or should I ask for the correct amounts been taken?

Re: Reclaim Your Bank And Card Charges
 

Send the standard letter and say no more - if you start trying to bargain before you get their response you weaken your position IMO :)

Re: Reclaim Your Bank And Card Charges
 

Thanks again Shaun for the advice,

I'm going to write up the letter this weekend to send of to the bank of scotland. Which is now bank of scotland/halifax I think? It's a pity that it can take up to 40 days for the correct ammounts to come through. As I have future charges to be added on this week of £88.00 as I had to go over my arranged o/draft last week in an emergency. Since been with the bank I have been charged between £250 - £300 (but more on the way). Not a lot but better in my pocket than their's. :)

Sorry I have another question, is it to my branch manager I would register the letter to or to their head office? :confused:

Finally would it be ok to cal them up actually to tell them not to take the charges this coming week as it's unlawfull and that their is a letter in the post for them claiming back more?

Re: Reclaim Your Bank And Card Charges
 

Address the letter to the head office. as far as not applying the charges - they'll more than likely take them anyway. Just add them to the list you're sending in. :)

Re: Reclaim Your Bank And Card Charges
 

Sorry to be a pest Shaun but I have 2 more questions and I'll then be able to crack on with my mission. I'm with bank of scotland - or bank of scotland/halifax as they are known now I think? :erm: I have come accross the below address to post the dpa letter to and just wondering if it is the same one you used;

HBOS PLC
Trinity Rd
HALIFAX
HX1 2RG

This £10 fee for the dpa letter, do I make it payable to Bank of Scotland or is it Halifax?

Plus I'm due to have more charges applied this coming week for £88.00 as I had to go my o/draft in a bit of an emergency last week. Can I call them up saying not to apply this to my account as it's an un lawfull charge and that I have a letter in the post requesting the other charges back over the years?

Or should I wait for the charges to be applied this week and then send of the letter to request the amounts taken? :confused:

Re: Reclaim Your Bank And Card Charges
 

When I sent mine I sent the letter to the address on the statement, then waited for their reply and request for the £10 fee - I'll be replying this weekend!

Re: Reclaim Your Bank And Card Charges
 

I'm all set now to start sending that letter off this week folks. Thanks to you all for the advice and direction and I'll keep you posted. :tu:

Re: Reclaim Your Bank And Card Charges
 

Newguy - there's no real point asking them not to apply them they'll jsut do it anyway. Ask for the DPA request (it'll take several weeks to come through probably) and then write to them with the full list.

Id make it payable to whoever the bank is on your statement, HBOS, Halifax or BOS.

As for the address - either the one on your statement or the one listed on their main page:

HBOS The Mound, Edinburgh EH1 1YZ

Good luck

Re: Reclaim Your Bank And Card Charges
 

Thanks again Shaun. ;) I'll keep the tread updated as I progress.

Re: Reclaim Your Bank And Card Charges
 

Yeah I have recently heard about this.
My bank have charged me £90 overdraft charges in the last 3 months (£30 each)

Apparently im entitled to 6yrs back, so im looking forward to my nice pay ;-)

Put it all in my savings account (which is different from my main account, or contribute towards a new car)

Any way, top and bottom is I have also heard that banks reserve the right to close peoples accounts down after they refund your charges.
When I spoke with Barclays they confirmed this is untrue, since it violates some law (couldnt recall which one) but I will be highlighting EVERY overdraft charge, infact I might do it now

Re: Reclaim Your Bank And Card Charges
 

I am just about to start the process now, however i am a little confused, what is a SCHEDULE OF CHARGES.

Is it a spreadsheet with a list of them all on?

Re: Reclaim Your Bank And Card Charges
 

More or less. It can be any form of list as long as it represents charges incurred and interest applied..

Re: Reclaim Your Bank And Card Charges
 

thanks

one thing though

i haven't added any interest!!!!, i though you can only do this when you go to court?

Re: Reclaim Your Bank And Card Charges
 

No, you can calculate it to form part of your initial claim and stipulate the part thereof comprised of interest when completing your N1 form.

Re: Reclaim Your Bank And Card Charges
 

I noticed an ad in one of todays papers about this, it was one of those "No Win, No Fee" type ads, talk about jumping on the bandwagon :rolleyes:

We will stick with Mr Angry thanks very much :D

Re: Reclaim Your Bank And Card Charges
 

ok cheers

Re: Reclaim Your Bank And Card Charges
 

This might be worth a read, but I am sure most of the information given is in this thread somewhere :)

Re: Reclaim Your Bank And Card Charges
 

One for Mr A

Went for £252 with Barclay card and £140 from I**a store card.

Barclaycard have offered the difference between what they charged and £12.00 on each charge which is £96.

I**a (name hidden as condition of acceptance is non disclosure) have corrected us and said we have been charged £244 and are offering £122 (50%) as a good will gesture.

Barclay card seem to be taking the mick but the the other one seems to be playing ball. Should I take it further with both?

Re: Reclaim Your Bank And Card Charges
 

I'm not great at crossword puzzles, but come on even I could assemble that name, maybe with some assistance from pictorial instructions and an allen key :)

Re: Reclaim Your Bank And Card Charges
 

My advice is yes - go the whole hog. Your argument with Barclaycard is done & dusted in that they are proposing to levy the suggested OFT threshold charge of £12.00 in respect of each default. On the basis that their logic is founded on the OFT recommendation then simply write back to them advising them that you also have read the OFT recommendation and in particular Mr Fingleton's "Notes", point 4 wherein he states "The OFT is not proposing that default fees should be equivalent to the threshold, and a court will certainly not consider that a default fee is fair just because it is below the threshold."

Invite Barclay card not to waste your time, nor indeed their time and resources, in playing "chicken" and advise them that you are quite prepared to go the county court route to recover the monies owed. It is also probably worthwhile your letting them know that as far as you are aware there is nothing in the way of a precedent having been set by them in respect of their having successfully defended their charge structures in court.

As for I**a you have two options.

1. Treat them the same as Barclay card.

2. Write to them (in crayon, using the hand you normally don't write with) advising them that you are an adult with a weekend alcohol dependancy who is in the habit of buying Swan Vesta matches as and when the notion might take you.

Good luck with both.

OB - check your emails, bitch!

Re: Reclaim Your Bank And Card Charges
 

A slight diversion to the topic, but maybe the next one to tackle in the UK...
http://www.ccfsettlement.com/
Yet have agreed a settlement.

Re: Reclaim Your Bank And Card Charges
 

PMSL :rofl:

LOL. Brilliant. Have checked them. Will email you back. Sir. ;)

Re: Reclaim Your Bank And Card Charges
 

More pressure on the banks ?

http://news.bbc.co.uk/1/hi/business/6506439.stm

Re: Reclaim Your Bank And Card Charges
 

From where I am sitting it looks as if banking execs have lobbied number 10 and pushed for this delay.

Re: Reclaim Your Bank And Card Charges
 

This and the new Fastpayment system that Danielf (I think) mentioned yesterday I think the banks are in for a tough year. What's the betting they'll still come out with record profits!

Re: Reclaim Your Bank And Card Charges
 

Hi all

This looks like it will force the case in court.............Natwest bank has offerred Tom Brennan well over what he is claiming to drop the case !

http://news.bbc.co.uk/1/hi/programme...ox/6530315.stm

Mike

Re: Reclaim Your Bank And Card Charges
 

Tom is running a very risky strategy, for whatever reason, and I'm not sure he'll get the result he's hoping for. As has already been evidenced, now tens of thousands of times, the banks have no wish whatsoever to go to court to defend their cost structures. He's a young recently qualified barrister who is looking to make a name for himself by forcing the bank into the court using a side issue of "damages" as leverage.

On that basis I'm not 100% sure he'll succeed. I am, however, 100% sure if he loses the banks will use the precedent to enforce their stance that they believe their charges are "fair" (not legal mind you, but "fair").

Fingers crossed that this Friday 13th doesn't become an inadvertent landmark ruling for the banks.

Re: Reclaim Your Bank And Card Charges
 

We'll have to wait til the 30th now.
http://news.bbc.co.uk/1/hi/business/6552627.stm

Re: Reclaim Your Bank And Card Charges
 

Hmmmmm.

Re: Reclaim Your Bank And Card Charges
 

Businessman squeezes £36,000 out of natwest :)

http://news.bbc.co.uk/1/hi/business/6559673.stm

Re: Reclaim Your Bank And Card Charges
 

Yep, I noticed that too Russ, It makes me wonder where it will all end up, from a litigation point of view.

Somebody will make a mistake in sueing a certain bank, then uncertainty will creep in methinks.

Maybe the whole T&C of banking should be reviewed?

Re: Reclaim Your Bank And Card Charges
 

Hi there Mr Angry and co,

Can I skip number 1 below and start from number 2 as in the data protection act (dpa) letter? I thought I read in some other thread to start of with the dpa letter? :confused:

Re: Reclaim Your Bank And Card Charges
 

i rang them up direct and they sort it out foryou the and they will get the money back for you i rang them 2 weeks ago and they rang me friday to say that they are goin to put £1200 back into my bank account and today it was in good lads here is the number to ring 08450801800but ring b4 they agree settlement with the banks

Re: Reclaim Your Bank And Card Charges
 

Nice going but what bank was that for ?

Re: Reclaim Your Bank And Card Charges
 

That number is for the financial ombudsman services:shrug:

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