Re: Reclaim Your Bank And Card Charges
 

Standard letter, HSBC delayed the requests of myself and my housemate knowing that there was the OFT action going on.
My charges are from 4 years ago, so not much risk of them going beyond the 6 year mark.
If yours are close to the 6 year mark, I'd lodge it with the courts. It will be put on hold until the OFT stuff is sorted but it will be logged so the 6 years won't matter (or at least that's how I understand it because you took legal action before the 6 year deadline).

Re: Reclaim Your Bank And Card Charges
 

How do i request 6 years worth of statements? wont they charge me?

Re: Reclaim Your Bank And Card Charges
 

The website linked near the begining of this thread covers everything.
Under the data protection act they can charge you no more than £10, you ask either for a list of charges or if that's unavailable, 6 years worth of statements.

Re: Reclaim Your Bank And Card Charges
 

You can request copies and it will cost you a tenner :)

Have a look on the moneysavingexpert site, they have template letters etc on there for you to send and addresses for the different banks

lol beaten to it by Xaccers :)

Re: Reclaim Your Bank And Card Charges
 

Don't forget to add the tenner to your final bill ;)

Re: Reclaim Your Bank And Card Charges
 

Thanks for the feedback Xaccers. After reading the moneysavingexpert site, I've now decided to try 'asking for a speedy settlement' under the sample Letter template section there.

Basically, if you want a speedy settlement, one tactic is to offer the bank the option of settling for a lower amount if it pays out now. How much lower depends on you, so I'm now trying that and if no joy then it's a case of logging the case with the courts. ;)

Re: Reclaim Your Bank And Card Charges
 

Housemate tried that, she owed them £500 overdraft, they owed her £700 fees, she suggested they called it quits, they offered her £300, she said no, they said "Oh look, we've delayed enough so there's no point you taking us to court thankyouOFT, now, how about that £500?"
Nice HSBC, not.

Re: Reclaim Your Bank And Card Charges
 

I can always try the courts after if it's a no joy, as it states that in the letter I'll be sending.

I suppose it's a case of trial and error so I'll let you know what happens. ;)

Re: Reclaim Your Bank And Card Charges
 

Hi Xaccers,

I've had a re think and you're right in what you say. I was about to print off the 'LETTER BEFORE ACTION' letter from the template I found at the consumer action site, but it states in it the following;

'You have failed to respond to my letter of the [XXXXXXX - date of preliminary letter] and its enclosed schedule'.

The thing is they did respond but it was not the response I was hoping for, as in the standard reply.

Is there another template for the 'LETTER BEFORE ACTION' letter or is that the only one? :confused:

Re: Reclaim Your Bank And Card Charges
 

Alliance and Leicester - mate banks with them. He visits the branch in Leeds and asks how much money is in his account, and how much he would therefore have to put into the account to cover a standing over for his rent. They tell him and he puts the money in. Overnight they take £50 in charges, then take the standing order, then charge him £50 for insufficient funds and use of unauthorised overdraft :rolleyes:

He can't keep up - doesn't know where the hell he is. Charges left, right and centre. It's leaving him short of cash to pay other bills, such as the loan agreement on his car, so they charge him for late payments... Even the bank customer service advisors are struggling to understand the charges. He did manage to get a £50 refund - they put the money in his account, then took it out again. For charges :rofl: He read them the riot act - now has the money back again. It's pure exploitation of the most vulnerable :no: I'm helping him move everything to the local credit union - so he can tell Alliance and Leicester to stuff their account.

Re: Reclaim Your Bank And Card Charges
 

Sorry GC but I don't see it, if there's not enough money in his account to cover bills surely that is his fault and noone else's?

Re: Reclaim Your Bank And Card Charges
 

Not when he specifically went in to the bank and asked how much he would need to pay in to make sure everything got paid & no charges would then be incurred.

Until Banks add credits to an account before debits are taken off people who are living near their limit will get stung.

Re: Reclaim Your Bank And Card Charges
 

Hi Xaccers,

Just wondering if you got any feeback ref the below? :erm:

Re: Reclaim Your Bank And Card Charges
 

http://www.moneysavingexpert.com/rec...-charges#step2

The template letters (for claiming with interest/without interest) include ". As I have not heard from you/not received a satisfactory response [DELETE AS APPROPRIATE]"

:)

Re: Reclaim Your Bank And Card Charges
 

Must have mis read it 1st time around. :dozey:

Thanks Xaccers.

Re: Reclaim Your Bank And Card Charges
 

Same happened to me with those bunch of idiots, before i managed to get it sorted it reached well over 1k in overdraft charges (i went 9p over the limit btw and it was an automatic £35 overdraft fee..which doubled everyweek)

Told them to get stuffed, they closed my account and havent heard a peep from them since.

Re: Reclaim Your Bank And Card Charges
 

They shouldn't be charging people if they are under a quid overdrawn, we covered it in the thread earlier (post 635 onwards). If you ever hear from them again you should have a couple of awkward questions to ask them at least

Re: Reclaim Your Bank And Card Charges
 

Haven't heard anything is not as good as you think. Have you checked your credit file?

Re: Reclaim Your Bank And Card Charges
 

That's a very good point.
Having gone bankrupt in 2006, and discharged a year later, I was suprised to find that I had a couple of accounts showing as active and defaulted since 2006 rather than satisfied.
Had to send off a copy of my certificate of discharge (sounds like something mr_love_monkey would have) and hopefully by the end of May they should all be sorted.
So best get checking.
Experian has the free month's trial, but they showed me as having a very good credit score and no details about bankruptcy, while Equifax charge just under £15 and that was full of information.

Re: Reclaim Your Bank And Card Charges
 

Both are available for £2 from their websites with full information on too.

EVERYONE even if they think they are fine should check as I found a long list of issues with mine even though all my accounts are up to date. ;)

Re: Reclaim Your Bank And Card Charges
 

Handy info to know Shaun.....would you be kind enough to add their web address as I'd like to check this out. ;)

Re: Reclaim Your Bank And Card Charges
 

To be honest with you i cant check, closed alliance and leicester account, moved over to barclays and just opened a basic bank account with cash card...that way i cant spend what i dont have and im less liable to fraud.

And all these sites want your credit card..

Re: Reclaim Your Bank And Card Charges
 

You can order your credit file with a postal order if you don't want to give your details. But remember that you will possibly need credit in the future (or even a clean search for a job) - it's always worth checking.

---------- Post added at 00:05 ---------- Previous post was at 00:04 ----------

https://www.econsumer.equifax.co.uk/...erletter.ehtml

http://www.experian.co.uk/consumer/o...perReport.html

http://www.callcredit.co.uk/consumer/order-your-report

:)

Re: Reclaim Your Bank And Card Charges
 

I don't need to pay someone to tell me where my credit rating is! I flushed it down the toilet ages ago!

Re: Reclaim Your Bank And Card Charges
 

Thanks Shaun. ;)


https://www.econsumer.equifax.co.uk/...erletter.ehtml

http://www.experian.co.uk/consumer/o...perReport.html

http://www.callcredit.co.uk/consumer/order-your-report

:)[/QUOTE]

Re: Reclaim Your Bank And Card Charges
 

Hi folks,

Just send the 'LETTER BEFORE ACTION' off today registered. This is the next letter saying they (banks) have a further 2 weeks to give me my money back or it's off to court we go. Hopefully I didn't leave it too late but only time will tell. :dozey:

Re: Reclaim Your Bank And Card Charges
 

I thought you knew the charges have been put on hold until the court case finishes?

Re: Reclaim Your Bank And Card Charges
 

According to what I have been reading on the consumer action group website, they were saying to still get the cliams into court.

I have no idea as to why - but perhaps it will get actioned sooner that way, rather than doing so once the test case have finished?

That is me just guessing, perhpas someone on this tread can shed more light on the matter?:erm:

Re: Reclaim Your Bank And Card Charges
 

If you bring the case to court, it will be logged, meaning the dates involved with the claim will be recorded and so won't expire even if they subsiquently pass the 6 year deadline (or at least that's my understanding of it).
Once the legal issues have been sorted, then the cases on hold will be progressed in accordance.

Re: Reclaim Your Bank And Card Charges
 

I would log it for 3 reasons.

1 - as Xaccers said it stops the 6 year rule losing you money.
2 - A court can at its discretion still process claims.
3 - If in apperent financial diffilculties the claim is supposedbly to be processed.

Re: Reclaim Your Bank And Card Charges
 

Hi folks,

Thanks for all the info given so far. I have one other question, which is, will I need to see a Solicitor if I do end up having to make a court claim against the banks, or can I go solo? :dozey:

Re: Reclaim Your Bank And Card Charges
 

You can go solo

Re: Reclaim Your Bank And Card Charges
 

Hmm, seems you guys was right...i tried applying for current accounts elsewhere and got declined on all due to my credit rating (which was great till alliance screwed me over) :(...going to write to the CEO now and try to get this sorted, its unfair on me!!!

Re: Reclaim Your Bank And Card Charges
 

Nice one. ;)

Re: Reclaim Your Bank And Card Charges
 

TD, as iv said here and elswere many times, people should really read SurleyBonds http://www.consumeractiongroup.co.uk...d-removal.html
and his other threads there, it really opens your eyes as to the tricks these companys use, and what your rights and actions are to get it put right, click it and READ IT.

once you understand that process and have sorted that out, theres not good reason not to also use the exact same options to put right all the other things companys or rather their personel try to pull, the ISPs could do with some action taken against them to put their antics right, do nothing and you help their cashflow, do something and you help your's. :angel:

Re: Reclaim Your Bank And Card Charges
 

Hi Xaccers & co,

Got the reply back yesterday in ref to letter before action I sent 2 weeks ago. That was the letter stating go give me my money back or else it's court time. Perhaps it's the standard reply I got saying they have asked FSA to suspend the normal timetable etc etc.

So I'm assuming my next step is to file the claim at court? :confused:

Re: Reclaim Your Bank And Card Charges
 

Thankyou, taking a look right now, as i expected my email (and phonecall) to the CEO of alliance and leicester was ignored, what a suprise there.

Guess i'll look for help through here, also off to see my solicitor next week considering they have stolen over 1k from me :rolleyes:

Unfair bank charges ruling....
 

The latest court case to determine the fairness of bank charges has upheld the original legal decision on the OFT's determination and agreed that such charges are indeed unfair.

Link to follow:

Re: Reclaim Your Bank And Card Charges
 

Well the banks have lost the latest round in their fight to hold on to your money.

http://news.bbc.co.uk/1/hi/business/7910852.stm

Expect the next stage to be them moaning that it isn't fair for them to repay the money now as it'll be the taxpayer losing out. :mad:

Re: Reclaim Your Bank And Card Charges
 

Time to revisit this thread.

Things are starting to heat up for the banks Thorius v's MBNA PPI claim - consumer win.

Banks asked by FSA to outline their plans to repay customers.

Previously rejected PPI claims to come under the spotlight again.

Re: Reclaim Your Bank And Card Charges
 

i was wondering what had happened to this court case ,maybe this is why the RBS group (which i'm with)have just reduced their bank charges from 1st oct
http://www.which.co.uk/news/2009/09/...ges-184120.jsp

Re: Reclaim Your Bank And Card Charges
 

Marty,

These RBS reductions have, I believe, come about as a direct result of Government intervention in an attempt to get the rest of the banks to "wake up and smell the coffee" over the charges debacle.

Re: Reclaim Your Bank And Card Charges
 

Lets hope Halifax listen up to this, currently i pay £35 for every purchase/debit which takes me over my overdraft. I thought they were part of RBS but just realised in the Bank of Scotland duh :doh:

Re: Reclaim Your Bank And Card Charges
 

About 4 months ago I got £2000 back from Barclays on a hardship claim.I can only remmend going down that route.I put on a right old song and dance about holes in my shoes :D

have to say though,they coughed up.Still owe me a grand though!! :mad:

Re: Reclaim Your Bank And Card Charges
 

I had a not so interesting conversation with the Halifax a few days back when I got into a bit of financial trouble (the company I work for has gone into administration and I've not been paid). So I asked for help in maybe extending my overdraft which they were unwilling to do. They then went on to tell me form December I will be charge £1 per day for having an overdraft and this is something all banks will be implementing, so in effect I'll probably end up with an extra £31 per month being paid to them as my overdraft is more than my wages. Their solution was to offer me a loan - no chance!

Has anyone else heard of these charges?

Re: Reclaim Your Bank And Card Charges
 

Oh goodness me i hope thats not the truth otherwise its time to calmeth , but a nice cheque to wipe all my discrepancies would soften the blow for a short while . Still seems a bit steep though :erm: how does it all work it seems odd to me what do they do with the persons money surely there not just keeping it all in a box they must be using it :erm: time for another sherry methinks :D

Re: Reclaim Your Bank And Card Charges
 

So it seems its just a Halifax thing http://www.mirror.co.uk/news/city-ne...5875-21699500/


I think its time to look for a new bank account pronto.

Re: Reclaim Your Bank And Card Charges
 

Re: Reclaim Your Bank And Card Charges
 

And the banks win

http://news.bbc.co.uk/1/hi/business/8376906.stm

Re: Reclaim Your Bank And Card Charges
 

Or not:


The OFT is absolutely determined to get the banks for this.

Banks WIN charges case!!!
 

Yes it's true! I know I'm being cynical but I wonder if HMG's ownership of many of the biggest has anything to do with this. They'll be wanting our money back as soon as possible after all...

http://news.bbc.co.uk/1/hi/business/8376906.stm

Re: Reclaim Your Bank And Card Charges
 

was it ever going to go any other way? and yes Osem i think HMG had a lot to do with it .Maybe a couple of years ago we would have had a different result but now ...never ,having said that i think Chris is right the OFT will get them eventually .
What about those who got the charges back will they have to repay or have they been lucky ?

Re: Reclaim Your Bank And Card Charges
 

On the upside it means an end to these unsolicited phone calls I used to get from companies offering to reclaim my charges. Guess they'll go back to asking if I've had any accidents or injuries in the last 3 years.

Re: Reclaim Your Bank And Card Charges
 

I don't think they can get them back from those they've already paid out

Martin Lewis has posted

http://www.moneysavingexpert.com/new...nks-win-appeal

I do think today's decision is political, but people have no faith in the banking system as it is, and this will do nothing to improve things.

Re: Reclaim Your Bank And Card Charges
 

Just to proliferate the "Treasure Island", "Rip-Off Britain" status, Supreme Court decrees that Banks can charge the Hoy Paloy anything they like.

Were we fools to expect any other decision? I think we were going on past experiences. :(

Re: Reclaim Your Bank And Card Charges
 

But no.

From the OP link

Re: Reclaim Your Bank And Card Charges
 

They've still got the Payment protection claims

Re: Reclaim Your Bank And Card Charges
 

Indeed i have 2 different sets of solicitors after me because i have one they can help me claim on and boy do i know it :)

Re: Reclaim Your Bank And Card Charges
 

Martin Lewis has posted some more information which I think anyone who is hoping for a refund should read.

http://www.moneysavingexpert.com/new...for-reclaimers.

Drawing attention to the Judge's final statement ML says:-

Re: Reclaim Your Bank And Card Charges
 

Banks always win..I never thought there was a snowball's chance in hell that the consumer would win in this or any other case against the banks.:rolleyes:

Re: Reclaim Your Bank And Card Charges
 

One way or another The Banks now control just about all our money and so can and are effectively calling the shots.

Just another result of a weak PM and a weak Government that shyed away from financial regulation when it would have made a difference.

Re: Reclaim Your Bank And Card Charges
 

please go to penaltycharges.co.uk for further instructions regarding the test case.People,this ain't over yet.Anyone who has a court case pending needs to act NOW!!!

Re: Reclaim Your Bank And Card Charges
 

I read what you say Mags, but if people roll their sleeves up, and they have credit card/loan agreements pre 2007 and the companies cannot supply the copy of the original cca agreement the companies are stuffed, all they can do is huff and puff about wanting their money back, if same companies are daft enough to follow through to court, without providing the customer with required papers it is all downhill for the companies involved.
So Banks do not always win ;)

Re: Reclaim Your Bank And Card Charges
 

OFT drops further cases

http://news.sky.com/skynews/Home/Bus...Overdraft_Fees

Re: Reclaim Your Bank And Card Charges
 

since the gov owns the controlling shares of alot of the banks now especially the biggest offender RBS can't they do something ,i notice RBS's charges hav'nt gone down

Re: Reclaim Your Bank And Card Charges
 

Bet there'll be champagne corks popping all across London this evening.

Re: Reclaim Your Bank And Card Charges
 

yep ..and a rise in bank charges :mad:

Re: Reclaim Your Bank And Card Charges
 

Interesting development.

Re: Reclaim Your Bank And Card Charges
 

Oh yes very interesting..Thanks for that.:)

Re: Reclaim Your Bank And Card Charges
 

I'll be amazed if the banks can say their charges were/are fair.

Re: Reclaim Your Bank And Card Charges
 

You and I both.

Re: Reclaim Your Bank And Card Charges
 

If anyone believes they have been mis sold payment protection insurance whatever you do don't use a claims company , i sent ONE letter to RBS for mis sold ppi and recieved over £10000 back , had i used a claims company they would have charged me around £3000 , i think thats a bit excessive for the price of a stamp :shocked: :)

Re: Reclaim Your Bank And Card Charges
 

good for you these claims companies absolute pests wish there was more regulations to stop pestering.

I have had these prats ring my house daily.

I doubt I been miss sold a PPI as all my loans for the car was not PPI... They told m I did not need one.

So why these idiots think I had PPI unless there what you call cold calling on the assumption my loan was PPI.

I know few years back got ripped off by the bank in wrong account got charged for breathing. Sadly my naivety I accepted there appology should gone to bank omnubudsman to reclaim 4 years charges which amounted nearly £100 a month. Thats over 10 years back wont get that reclaimed now.

Re: Reclaim Your Bank And Card Charges
 

claims companies spam markets where its easy to win.

Funny how they dont exist for complex and hard types of legal cases.

Would I be able to claim on PPI from over 10 years ago and a PPI that even paid out for me?

Re: Reclaim Your Bank And Card Charges
 

More difficult but still possible , what is your reason for mis sell ?

Re: Reclaim Your Bank And Card Charges
 

Wasn't it in the news not long ago that banks would be contacting millions of customers telling them that they can claim back PPI with info on what to do?

Re: Reclaim Your Bank And Card Charges
 

Well my bank, lloydstsb have a page on their site to contact them about ppi.

I phoned them yesterday after I decided why not. I have a credit card with them and have done for 7 years and the card came with ppi on it and I didn't think anything of it back then but cancelled it a couple of yrs ago.

Re: Reclaim Your Bank And Card Charges
 

Good luck , if you not sure about anything post in here ,the amount of reading on this subject before i put in my complaint was VAST , feel like i could set my own claims company up ;)

---------- Post added at 15:24 ---------- Previous post was at 15:21 ----------

It was , but they will not contact everyone!! If anyone has ppi and thinks they have been mis sold look here http://www.moneysavingexpert.com/rec...loan-insurance