Reclaim Your Bank And Card Charges

[bob_a_builder]

@ lostandconfused

"Illegitimi non carborundum"

My case was only for a relatively small sum, but went for it anyway, it was MY money not theirs.
I followed the procedure set out by CAG

Which makes it clear you should be setting the timetable and agenda (and sticking to it). And it works !

These are just hurdles they are putting in your way, fail to jump them and they win

[lostandconfused]

hi all, thanks for your replies, a letter will be in the post today, i hope you dont mind if i copy some of your post mr angry? it sounds too good to waste

[Mr Angry]

Not at all.

[Paul K]

BBC are getting in on the act now
http://news.bbc.co.uk/1/hi/business/6170209.stm
there is a programme on tonight (Tuesday 12th December 2006 10pm) about it too.

[Mr Angry]

How funny is this becoming?

Anyone who has been "hit" by NTL's "late payment" fee (see: penalty) - post 22 this thread - should now get in on the act.

[bob_a_builder]

Anyone tried recovering the late payment fee ?

It would seem that its set at or below the OFT's magic number of £10

[Mr Angry]

Originally Posted by bob_a_builder

Anyone tried recovering the late payment fee ?

It would seem that its set at or below the OFT's magic number of £10

The charge, as described by NTL themselves, is a "Late Payment fee". It is a penalty charge and penalty charges, as far as consumer contracts are concerned, are illegal.

The OFT "threshold" is £12.00 - they find this, in their opinion, to be an acceptable amount. They do not suggest that it is a legally acceptable minimum. From my earlier post quoting the OFT “The OFT is not proposing that default fees should be equivalent to the threshold, and a court will certainly not consider that a default fee is fair just because it is below the threshold.�

In actual fact no court to date has ever considered any late payment / penalty to be legally enforcable under consumer contract law and there are listed cases to which complainants may refer where courts have found in the complainants favour.

NTL, much like the banks, are not about to defend illegal charges given the fact that there are legal precedents in place that counter & defeat their arguments.

In short, if you have been charged £10.00 for late payment simply write to NTL advising them of these facts and demand a refund. If they are not forthcoming then take them to the small claims court and exercise your rights as a consumer.

[lauzjp]

I would like to find a company that will do the work for me, on a no-win no-fee basis (I'm fine with them taking a cut), has anyone got any reccommendations?

[Mr Angry]

Originally Posted by lauzjp

I would like to find a company that will do the work for me, on a no-win no-fee basis (I'm fine with them taking a cut), has anyone got any reccommendations?

How much are you intending to claim?

[lauzjp]

not sure, but I've found a company called bankcomplaints that are going to send out some paperwork... fingers crossed. I've been with lloydstsb for many years, and I'm always over-overdrawn!

they say that they can find out all the charges and wotnot and work things out.

[Mr Angry]

With all due respect lauzjp this isn't rocket science. I've explained exactly how to do this in several post on this thread alone and the BBC are even offering template "cut n' paste" letters.

Quite why you'd want to give someone 25% of money that's already been stolen from you is beyond me.

[handyman]

Originally Posted by Paul

BBC are getting in on the act now
http://news.bbc.co.uk/1/hi/business/6170209.stm
there is a programme on tonight (Tuesday 12th December 2006 10pm) about it too.

An excellent program, highlighting just how easy it is to get caught up with charges, and also just how easy it is to claim them back.

[TheDaddy]

Originally Posted by Paul

BBC are getting in on the act now
http://news.bbc.co.uk/1/hi/business/6170209.stm
there is a programme on tonight (Tuesday 12th December 2006 10pm) about it too.

That link is good, is there a way where it could be at the top of every page, I know that the letters and what to do have already been posted here but it is getting to be a bit of a nightmare trawling through all the post's to find them

[danielf]

Originally Posted by TheDaddy

That link is good, is there a way where it could be at the top of every page, I know that the letters and what to do have already been posted here but it is getting to be a bit of a nightmare trawling through all the post's to find them

Perhaps someone should knock up an article...

[TheDaddy]

Originally Posted by danielf

Perhaps someone should knock up an article...

Great idea, are you volunteering then