Reclaim Your Bank And Card Charges

[Cobbydaler]

Originally Posted by orangebird

Update on my claim - sent of my first letter, asking nicely with no quoting and acts etc... Got it all back in full! Yay!
I was only claiming 560 quid, so I'm not sure whether that was too small a claim to bother them too much - is your claim larger?

No, about the same....

Your reputation must precede you!!

Well done!!

[brundles]

Originally Posted by orangebird

No! You should accept nothing less than at least the amount of the charges. It's not protocol to ask for the interest too on yourt first letter as I advised above - interest should only be claimed once you file a mony claim on line (to start court proceedings).

If you've paid interest to your bank as a result of an overdraft caused by the charges you can claim that back as part of the initial claim. It's only the 8% you can't claim until it gets to the stage of court proceedings.

[Shaun]

Originally Posted by brundles

If you've paid interest to your bank as a result of an overdraft caused by the charges you can claim that back as part of the initial claim. It's only the 8% you can't claim until it gets to the stage of court proceedings.

You can ask for 8% interest at any point, you don't have to wait untill you go to court. I'd advise anyone to calculate and request the interest as the banks will pay that too.

[orangebird]

Originally Posted by Shaun

You can ask for 8% interest at any point, you don't have to wait untill you go to court. I'd advise anyone to calculate and request the interest as the banks will pay that too.

They won't offer it on your first letter. And I'd advise (having claimed sucessfully myself) not to refuse an offer that pays the charges back in full, but not the interest.

[Scarlett]

Originally Posted by orangebird

They won't offer it on your first letter. And I'd advise (having claimed sucessfully myself) not to refuse an offer that pays the charges back in full, but not the interest.

When the APR is 17.9 % though you should certainly claim the interest.

Especially when the company in question have reduced their charges from £20 to £12 but increased the interest charge to 19.9% for me netting them £14+ extra a month of my money.

I haven't been charged for the last year either because I'm paying the card off.

[orangebird]

Originally Posted by Scarlett

When the APR is 17.9 % though you should certainly claim the interest.

Especially when the company in question have reduced their charges from £20 to £12 but increased the interest charge to 19.9% for me netting them £14+ extra a month of my money.

I haven't been charged for the last year either because I'm paying the card off.

I'm fed up now. Just read the Consumer Action Group banking forums for yourselves. Follow their advice - IT WORKS!!!!

[Flobajob]

I've now had a file a complaint with the Information Commissioner regarding NatWest's failure to action my SAR, I've also written to Natwest and given them 7 day's before I head down to the county court and arrange for them to be forced to comply (and pay out in damages any fee's on phone calls, letters, my time etc)

[Scarlett]

Originally Posted by orangebird

I'm fed up now. Just read the Consumer Action Group banking forums for yourselves. Follow their advice - IT WORKS!!!!

Sorry, should have made it clear. I have already written the letter to them. 5 days ago I asked for the money or they can go to court, waiting for a response now.

Working out what they owe me and the interest is how I now know that I am paying them £14 a month more...

[Florence]

I have sent my letter in for the money just waiting for a reply I will give them a call on Thursday to see if they have recieved it or trying to pretend its not arrived if they havent got it will send a second one recorded delivery.

Just hope they offer me the amount without the charges and I will be happy.

[crazycamper]

when sending a letter to the bank do u just post the letter to your local branch

[TheDaddy]

Originally Posted by crazycamper

when sending a letter to the bank do u just post the letter to your local branch

I think you have to send it to the official registered office and I believe that all registered companies have to include that address on all correspondence they send to the public.

[Lew]

Just worked out how much Abbey National have charged me since last August…

£1,030! !

A letter will be winging its way to their head office tomorrow…

[bopdude]

Originally Posted by Lew

Just worked out how much Abbey National have charged me since last August…

£1,030! !

A letter will be winging its way to their head office tomorrow…

I'll be interested to see how you do with the Abbey, my claim will be against them ( when I pull my finger out ) read some stories over on the consumer advice site, Abbey are trying a stall tactic by say thatthey don't hold the records anymore, something along those lines anyway. Not trying to put the mockers on your claim, like I said, I'll be watching, off the top of my head I would say they owe me £5000 - £10,000

[Lew]

Originally Posted by bopdude

I'll be interested to see how you do with the Abbey, my claim will be against them ( when I pull my finger out ) read some stories over on the consumer advice site, Abbey are trying a stall tactic by say thatthey don't hold the records anymore, something along those lines anyway.

What they actually say is that they don't store the last 6 years' worth of charges separately from "other transactional data" (which I read as being payments and withdrawals). They do offer (for a charge of £5 for one month's worth of data or £10 for several months' worth) to retrieve a complete list of transactions from microfiche. They even supply a form to request the data.

I would like to advise you that under a Data Protection Act Request, you will only receive the transactions that are currently held on our systems. These will be forwarded to you within 40 days, free of charge, under separate cover. Any earlier transactions have been archived onto microfiche, which is not covered by the Data Protection Act. These archived transactions will not therefore be supplied to you under a Data Protection Act request and will not be subject to the 40-day ruling.

The day after receiving the letter I received the past year's worth of statements, which pretty much covered the period that they were charging me for so I didn't bother with the microfiched data.

[bopdude]

Nice one, I knew it went something like that