Reclaim Your Bank And Card Charges

[handyman]

I'm not expecting Mr A to respond likity split, the mans got a day job after all and my bank charges shouls not be his priority. I'd be happy knowing the next stage inside out by Monday possibly with a view to getting something in the post or taking a trip to court and filing

[Shaun]

I'm guessing the next step for you HM will be to fill out the N1 claim form and send it to the courts.
Mr Angry may advise you to send yet another letter with more details in it that may work but ultimately if Yorkshire continue to stick with what they've said (all BS intended to put you off) you'll need to file a claim.

FYI you can do it online at www.moneyclaim.gov.uk or you can download a copy of the forms and associated guidance leaflets from here:

http://www.hmcourts-service.gov.uk/H...t_forms_id=338

The N1 form can be completed in Acrobat and then printed (but not saved for some reason).

All good reading for you while you wait for Mr Angry’s response

Edit - The leaflet EX307 gives you a good ouline of the process too.

[Fingy]

Mr A? Day job? Bet he's out fishing!

[Mike]

See post 133..............no more Mr Nice guy : Fill out a N1 form

Mike

[handyman]

Will look at this laters, thanks for all the advice in this thread guys...

[Mr Angry]

Handyman.

Got your mail but no attachment, can you resend please?

---------- Post added at 17:47 ---------- Previous post was at 17:46 ----------

Originally Posted by Fingy

Mr A? Day job? Bet he's out fishing!

Hey you! Enough of the slagging!!

[handyman]

Originally Posted by Mr Angry

Got your mail but no attachment, can you resend please?

Whoops resent.

[Chrysalis]

Originally Posted by Chrysalis

if its fully illegal then why arent the banks having some nice fines slapped on them?

mr angry any comment on this? thanks.

[etccarmageddon]

I recon it requires the office of fair trading to investigate if the banks are making unfair or illegal charges and they wont until someone complains to them.

[keithwalton]

It would appear natwest are clued up on this subject, Due to poor wording (and not sending a guide until the second statement! too late!) they took my account overdrawn and between my main account and my cc they charged me £48 for the boo boo.
Well i got a letter back to them today apologising for the lack of clarity and the cc fee has allready been paid back (£10) and that if i send them a statement of theres back to them i can get the other £38 repaid.

I mentioned this ruling in my complaint to them and they also mentioned it in there letter thinking there charges were 'fair' yet they'll refund me anyway.

Though this was from the credit card part of natwest which only charged the £10, it was natwest bank that charged the extortion though the cc part is footing the bill.

I can however hardly believe natwest sometimes, they are all the same company yet they wont ever talk to each other and getting them to change address with them is a pain, they just say on the statements if you move let us know ...
tell the bank they change it on the computer sorted so you think, they dont tell the cc part that you have moved!
The cc people dont give you information how to tell them that you have moved! apparently its on the back of the statement but all i can see is the normal 'if you're moving addresses please tell us' then proceeds to list a load of phone numbers for stolen cards, card protection and holiday insurance, as well as a addy for complaints.
no number / addy for general enquiries etc! :@

[Mr Angry]

Originally Posted by Chrysalis

mr angry any comment on this? thanks.

I think we're nearing the point where they might have to. the OFT investigated the charges and gave them a timeframe to reduce the charges to an acceptable (legal) level. Not all of the eight involved have done so. The main concern the OFT is facing is that if they impose fines the banks will be out billions.

The banks are then very likely to abolish things like free banking and free balance transfers and increase loan interest rates etc to recoup the losses. Obviously this will impact on the poorer people in society so the OFT, for the time being, are happy to see thousands of people (out of many millions of customers admittedly) reclaim their charges under common law where the issue is already a proven.

[Chrysalis]

well not sure which affects the poorer more. Bear in mind the poorest wont be able to get credit so loan interest rates shouldnt affect them so much as penalty charges. Free banking tends to beenefit the rich more from where I sit they tend to get charges waived. Free balance transfers again only affects people who can get credit in the first place and thats not usually the poorest.

But are you talking about credit cards or banks with current accounts?

I am wanting banks to be forced to reduce fees on current account penalty charges these are much harder hitting then credit card fees.

[Mr Angry]

Originally Posted by Chrysalis

well not sure which affects the poorer more. Bear in mind the poorest wont be able to get credit so loan interest rates shouldnt affect them so much as penalty charges. Free banking tends to beenefit the rich more from where I sit they tend to get charges waived. Free balance transfers again only affects people who can get credit in the first place and thats not usually the poorest.

But are you talking about credit cards or banks with current accounts?

I am wanting banks to be forced to reduce fees on current account penalty charges these are much harder hitting then credit card fees.

The reality is that banks are not interested in poorer customers anyway.

The law applies to either / or.

[etccarmageddon]

the poorer end of society often dont get the benefit of free banking because their local cash point is fee charging whereas the better off have the ability to travel to free cashpoints. e.g. single mum in local council estate would have to take bus journey to get to cash point whereas better off working bloke like me has car and ability to bypass fee charging machines.

so to summarise, if they can, they will take advantage of the poor end of society.

[Chrysalis]

I heard somewhere banks biggest portion of profits come from the poor in penalty fees amounting to many billions a year, so looking from that viewpoint I am not sure they just want to get rid of them. They also have to pay out large interest to those with huge sums in savings accounts.

But I do know they like the rich since they can invest the money they deposit into their accounts. Without the rich they would have no money to lend to the poor in thoery.