Reclaim Your Bank And Card Charges - Page 34

Shaun · 03-02-2007, 20:03

Quote:

Originally Posted by Alien

Actually, I'd speak to the Financial Ombudsman 1st [see link in TheDaddy's post, 2 posts up]. From what I've read, it seems the FO has more influence/power over banks than the OFT. Plus, I think I saw on the FO site that if you try the legal route 1st & a court finds against you [yeah, I know, unlikely, but still...] then you wouldn't be able to ask the FO for help [at least not on the same case], but if you go to them 1st you could always try the legal method later if you weren't satisfied with the FO's results.

This is not the process.

Ask the bank for the money back then issue an N1 claim form - The Financial Ombudsman route will more than likely just elongate the process.

Stick to the tried and tested formula.

Mr Angry · 04-02-2007, 01:12

Quote:

Originally Posted by Alien

From what I've read, it seems the FO has more influence/power over banks than the OFT.

Alien, understand this.

YOUR BANK DO NOT LOVE YOU.

You should be reciprocal in that regard.

bopdude · 04-02-2007, 04:43

OK, I'm gonna do this, enough talking of doing it, I'm doing it, only thing is, I'm a bit bogged down with links etc on the procedure, would there be any chance of an updated set of links, maybe a mod could make them a sticky of sorts to the first post.

Thanks to all parties for their input and advice

Alien · 04-02-2007, 13:08

Quote:

Originally Posted by Mr Angry

Alien, understand this.

YOUR BANK DO NOT LOVE YOU.

You should be reciprocal in that regard.

I know they don't, however I see no need to deliberately antagonise them if I can stop them from taking the money without doing so.

Don't get me wrong, they won't be keeping the money, I just don't want to "play hardball" with them until I have to.

orangebird · 04-02-2007, 13:47

Quote:

Originally Posted by Alien

I know they don't, however I see no need to deliberately antagonise them if I can stop them from taking the money without doing so.

Don't get me wrong, they won't be keeping the money, I just don't want to "play hardball" with them until I have to.

You're too soft. You'll 'antagonise' them just by asking for you money back, even if you say pretty please etc... At the end of the day, your issue is with a business, not a person, so antagonising someone isn't, or shouldn't be a consideration. They make millions of pounds of profits every year, some of that from charging you and I money they had no right to. Frankly, the banks should be concerned about antagonising their customers, not the other way round!

bopdude · 06-02-2007, 23:16

Quote:

Originally Posted by bopdude

Sounds like the games afoot, well done HM, I will get around to actioning something this week

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

I'll look into how the first should be worded, so much to read again, but this time I'm doing it

handyman · 06-02-2007, 23:31

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

bopdude · 06-02-2007, 23:34

Quote:

Originally Posted by handyman

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

Cheers matey,

EDIT: Got it / them

SnoopZ · 10-02-2007, 16:02

Quote:

Banks which close the accounts of customers who take them to court to reclaim their bank charges have been criticised by the Financial Ombudsman.

In an adjudication it said the Alliance and Leicester's closure of one such customer's account was neither fair nor reasonable.

It recommended the bank pay Warren Miles from Swindon ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£125.

http://news.bbc.co.uk/1/hi/programme...ox/6349877.stm

Shaun · 10-02-2007, 23:31

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

TheDaddy · 12-02-2007, 09:56

Quote:

Originally Posted by SnoopZ

http://news.bbc.co.uk/1/hi/programme...ox/6349877.stm

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

greencreeper · 21-02-2007, 22:58

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

bopdude · 22-02-2007, 00:34

Quote:

Originally Posted by greencreeper

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

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

greencreeper · 22-02-2007, 18:33

Hmmm - I bet they could somehow close it. I've worked out that the charges over the history of my account amount to ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£360. Not a lot really but sufficient for a new carpet

Will have a read of the loan terms.

Chimaera · 22-02-2007, 18:38

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!