Reclaim Your Bank And Card Charges - Page 27

danielf · 13-12-2006, 12:28

Quote:

Originally Posted by TheDaddy

Great idea, are you volunteering then

I think this calls for someone who has actually gone through the process of claiming. I never paid any penalty charges, so that rules me out...

TheDaddy · 13-12-2006, 12:30

Quote:

Originally Posted by danielf

I think this calls for someone who has actually gone through the process of claiming. I never paid any penalty charges, so that rules me out...

Strangely enough me to

Mr Angry · 13-12-2006, 12:41

OK, hint taken

.

I'll do up an "idiot's guide" to reclaiming charges.

handyman · 13-12-2006, 13:14

I have the bbc's bank letter typed up in word form if you require Mr A.

Going to give this another shot after getting all the way to the court stage with Yorkshire bank and then being unable to proceed due to me dealing with the Scottish office.

Letter going off today direct to my English branch.

Russ · 13-12-2006, 13:15

A good idea would be a letter for iminent charges - when the bank tell you they are going to charges you as opposed to after they've done it.

handyman · 13-12-2006, 13:17

I'm about to call my bank about some recent charges. Starting the call with 'inlight of recent media coverage.....can you just give me the charges back ta'

Knobbly · 13-12-2006, 15:20

I received a cheque from RBS refunding all of my charges recently, the attached letter made me laugh.

Quote:

We believe that the particulars of your claim disclose no reasonable grounds or cause of action against the Bank. However, we believe that given the amount of your alledged claim, it is not commercially viable or cost effective for the Bank to defend this claim

So despite them assuring me that I had no reasonable grounds to take action against the bank, they decided not to defend the case? Smells like cattles business to me!

Their litigation department also made the cheque payable to "My name into account XXXXXXXX" being the account that was in dispute and apparently they're doing this to a lot of people even if the account is closed. I simply crossed out the "into account XXXXXXXX", deposited it into another bank account and it cleared no problem.

handyman · 13-12-2006, 15:32

Quote:

Originally Posted by Knobbly

I received a cheque from RBS refunding all of my charges recently.

We have charges with rbs as well, can I ask which letter you used and how long it took to get your dosh back?

Knobbly · 13-12-2006, 15:38

Quote:

Originally Posted by handyman

We have charges with rbs as well, can I ask which letter you used and how long it took to get your dosh back?

I used the standard letter templates and spreadsheet from the consumeractiongroup forums, they settled 2 weeks after I filed the county court claim, paid all charges, interest and court fee's.

When you get your money back, they WILL make the cheque payable to "you into your account no.", you can either deposit into said account, you can get them to reissue the cheque in just your name or you can do as I did and just cross out the "you into your account no." (I was advised to do it by a bank clerk)

handyman · 13-12-2006, 16:17

Excellent, thanks for that, I'll use the same process with rbs then :-)

Knobbly · 13-12-2006, 16:33

Quote:

Originally Posted by handyman

Excellent, thanks for that, I'll use the same process with rbs then :-)

Shouldn't be too compllicated if you follow the details on the CAG forums, mine went:

1) Subject access request
2) Letter asking politely for charges back (template on CAG)
3) Response from RBS saying bugger off
4) Opened case with moneyclaim (again using template from CAG)
5) RBS settled 2 weeks later

If you don't get a response (i.e. point 3), you might need to leave it 7 days and send a "Letter Before Action" (again, template on CAG) confirming that as you've heard nothing you're going to proceed with the small claims track.

Chrysalis · 13-12-2006, 18:07

Best docu bbc have made for a long time I think, shame it was on bbc2 instead of bbc1. Given the way that oft chief exec was talking it does look like legislation is imminent on this against the banks especially now the bbc are involved, but I think they will get a figure higher then ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£12.

Mr Angry · 13-12-2006, 19:15

Quote:

Originally Posted by Chrysalis

Given the way that oft chief exec was talking it does look like legislation is imminent on this against the banks especially now the bbc are involved, but I think they will get a figure higher then ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£12.

Highly unlikely given that penalty charges in respect of consumer contracts are illegal.

Chrysalis · 13-12-2006, 19:38

you think they will conclude it costs the same to adminstrate bank account penalties as credit cards? I would be surprised if they do.

penalty charges are legal but they supposed to be non profitable.

Marge · 13-12-2006, 20:39

I've just had a letter today from British Gas advising that they too are introducing a late penalty fee for customers