Reclaim Your Bank And Card Charges

[slug]

Originally Posted by ntl engineer

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

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.

[Mr Angry]

More good news!!

[Chrysalis]

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.

[Mr Angry]

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"

[newguy]

Hi folks,

Just wondering if anyone can help with the below query?

Originally Posted by newguy

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?

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.

[Mr Angry]

Originally Posted by newguy

Hi folks,

Just wondering if anyone can help with the below query?

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).

[cnewton2k]

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

[Mr Angry]

Originally Posted by Solventcandy

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

Well done. Spread the word.

[danielf]

Bad news...

http://news.bbc.co.uk/1/hi/business/6657025.stm

Originally Posted by bbc

Bank's overdraft charges upheld

Lloyds TSB has become the first bank to win a court case after being sued by a customer for imposing supposedly unfair overdraft penalty charges.

District Judge Cook, at Birmingham County Court, dismissed a claim for £2,545 from Kevin Berwick.

[Mr Angry]

Originally Posted by danielf

Bad news...

http://news.bbc.co.uk/1/hi/business/6657025.stm

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.

[Chrysalis]

surprise surprise its lloyds who took it all the way.

[Ignatius]

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

[Gareth]

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.

[Russ]

http://news.bbc.co.uk/1/hi/business/6692559.stm

It's not looking good....

[Chris W]

Originally Posted by Lloyds

A Lloyds TSB spokeswoman told the BBC on Tuesday: "We do settle some cases, because we don't like to see our customers in court."

or more like they don't like the damage to their reputation that appearing in court themselves does