Reclaim Your Bank And Card Charges - Page 10

bob_a_builder · 14-06-2006, 22:09

Bank just paid my claim in full today + court costs

The letter notifying that they would pay up was the 1st communication I had had from them since I started this, no denials, no offers, just paid up

Pia · 14-06-2006, 22:32

That's brilliant bob, which bank is that?!

bob_a_builder · 14-06-2006, 23:06

Halifax

Pia · 14-06-2006, 23:15

Dammit

I was hoping you'd say Barclays!

bopdude · 14-06-2006, 23:17

Quote:

Originally Posted by bob_a_builder

Bank just paid my claim in full today + court costs

The letter notifying that they would pay up was the 1st communication I had had from them since I started this, no denials, no offers, just paid up

Nice result mate, if I can ask, how long from start to finish, did they, or have they threatened you with account closure ?
TIA.

bob_a_builder · 15-06-2006, 09:16

Sent 1st letter begining of May

Close Account - No not at this point though in settlement letter they made satement "...reserve the right to withdraw your banking facilities..." - If I don't behave in future, but with phone number to discuss if I thought this might be an issue

Minbu · 16-06-2006, 22:04

As a relative newcomer to this forum I'm constantly amazed at the high level of help and advice given to all questions and problems raised. Almost every topic usually produces a wealth of informative replies. I have been following this particular thread with great interest, as I am also a victim of these bank charges, and I am now formulating my battle plan to take on my bank. I would like to thank, on behalf of everyone, all those who have given their time and expertise to offer advice and provide helpful links to enable minions like me to claim back these illegal charges. Cheers Mr Angry, Mike, etc.

handyman · 16-06-2006, 22:14

Yes its a great forum. Initially started By frank as Nthellworld.com then bought by ntl and riouned then we moved to nthellworld.co.uk and started again and now the site is named cableforum.co.uk to reflect the fact that its telewest as well. Though given that 90% (guess) of posts are not cable related maybe we should just be helpforum.co.uk or even......

www.theukforum.co.uk its available guys

@ bob - did they state why they paid up?

Minbu · 16-06-2006, 23:44

Just found this - interesting.

"A leaked memo to HSBC staff has revealed customers are being fobbed off with set payouts to drop their demands for refunds of bank charges. The 'operational appendix' explains how staff should 'deal with customers who specifically challenge our right to charge overdraft fees'. It gives an insight into how banks are attempting to combat complaints about unauthorised overdraft charges after customers have gone a few pence overdrawn."

"The memo makes clear what critics of bank charges have long suspected, that banks will refund charges if the cost of dealing with the complaint would top the amount being claimed. It describes how customer services staff in HSBC branches have a Personal Refund Authority (PRA), a set amount of money up to which they are allowed to refund customers to resolve complaints quickly."

http://www.thisismoney.co.uk/saving-...7&in_page_id=7

bob_a_builder · 17-06-2006, 09:06

Quote:

@ bob - did they state why they paid up?

"I have returned the form of acknowledgment of service to the Nothamptonshire Count Court, indicating that Halifax intends to defend your claim. However on a purely commercial basis it will cost Halifax money to defend your claim in terms of legal costs that will be incured. It is unlikely that Halifax will be able to recover these cost (even if the bank wins) because your claim will probably allocated to smaill claims track in which costs are generally not awarded.

For this reaon but without admission of liability Halifax is willing to re-imberse ÃƒÆ’Ã†â€™ÃƒÂ¢Ã¢â€šÂ¬Ã…Â¡ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£xxx in respect of bank charges incurred. The Halifax will also re-imberse ÃƒÆ’Ã†â€™ÃƒÂ¢Ã¢â€šÂ¬Ã…Â¡ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£30 in respect of the court fee.
"

Mike · 17-06-2006, 10:29

Quote:

Originally Posted by Minbu

, and I am now formulating my battle plan to take on my bank.

Thanks for the feedback............the various stages should be clear to follow to enable you to indenify charges and them claim them back.

Mr Angry is the real expert here.

It's good people on this forum (as with others) can all support each other and push things forward.

Regards Mike

Mike · 20-06-2006, 13:56

Hi all

How is everyone doing..................any updates on this ????

Mike

handyman · 20-06-2006, 14:35

Nothing back from Yorkshire, Went through all my bills last night and picked up a few things to chase up. I have the current account and the joint account to sort first to cut my teeth etc.

sarahlouise45 · 21-06-2006, 14:09

Does this apply to Barclaycard's Credit Cards with late payments and going over your limit etc?? Could I get back all my late payment and over my limit charges back again? Cheers.

orangebird · 21-06-2006, 14:10

Quote:

Originally Posted by sarahlouise45

Does this apply to Barclaycard's Credit Cards with late payments and going over your limit etc?? Could I get back all my late payment and over my limit charges back again? Cheers.

I beleive it does apply to them too.