Reclaim Your Bank And Card Charges - Page 37

newguy · 07-03-2007, 21:27

Hi there,

I have a query which perhaps someone might be able to help with. I was thinking of going into my bank of Scotland branch tomorrow to sit down with my manager and ask for the charges to be refunded. Not a lot as it amounts to aprox ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£250 to ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£300 since been with them. IÃƒÆ’Ã‚Â¢ÃƒÂ¢Ã¢â‚¬Å¡Ã‚Â¬ÃƒÂ¢Ã¢â‚¬Å¾Ã‚Â¢m assuming since I have only been with them aprox 3 years the manager can surely look this up on the computer to see. IÃƒÆ’Ã‚Â¢ÃƒÂ¢Ã¢â‚¬Å¡Ã‚Â¬ÃƒÂ¢Ã¢â‚¬Å¾Ã‚Â¢m hoping (fingers crossed) the same manager can then put this refund thru the same day.

But I'll have more coming as I just had to go over my arranged overdraft while on the ferry to Ireland this week - oops!

My question to you is would I be wasting my time in doing it face to face or should I do it via the letter form?

Kind regards,
Patrick

Shaun · 07-03-2007, 21:51

Probably, is the answer - depends on the banks policy but I can't see the manager being happy to just dole out a refund to you. They have many targets to hit and I'd be this is one of them

The letters are on the MSE site linked above - I'd just download them and send them off if I was you.

newguy · 07-03-2007, 22:32

Thanks for the feedback Shaun and I will try this approach first I think and failling that I will try the letter route. I cannot seem to locate the MSE site link - would you mind posting it on here for me please? Pretty please with millions and millions of cherries on top.

Quote:

Originally Posted by Shaun

Probably, is the answer - depends on the banks policy but I can't see the manager being happy to just dole out a refund to you. They have many targets to hit and I'd be this is one of them

The letters are on the MSE site linked above - I'd just download them and send them off if I was you.

handyman · 07-03-2007, 23:06

Quote:

Originally Posted by newguy

snip

Can't see this happening, I had a heated discussion with the bank manager where she repeated that the bank where in the right and I was wrong. I made sure of presenting the cheque 2 weeks later in her presence. silly cow.

orangebird · 08-03-2007, 09:36

I've received a reply from Lloyds TSB from a letter I sent off asking for the charges on my husbands account to be repaid - they refused of course, but one part in particular confuses me..

Mr Angry or anyone around to offer their educated opinion on what I do next? I can scan the doc in. TIA

Shaun · 08-03-2007, 11:46

Have you threatened them with the small claims court? If so and they've still declined you the next step is to go through with your threat.

Quote:

Now it’s time to get legal on their backsides and actually go through the court process. Do it right and this is a simple online process, and in most cases the banks will not contest your case.

Info is here:

http://www.moneysavingexpert.com/cgi...050760,24632,#

It's really very easy and doesn't take much time - they should cave in once they get the paperwork through

The link above even includes an interest calculator for you - just plug in the charges and the date you got them and away you go.

Good luck

Quote:

I cannot seem to locate the MSE site link - would you mind posting it on here for me please?

Enjoy

Mr Angry · 09-03-2007, 00:59

Ker-ching!!

pm.

bopdude · 09-03-2007, 01:00

Quote:

Originally Posted by Mr Angry

Ker-ching!!

pm.

And as if by magic ........................

newguy · 09-03-2007, 17:43

Thanks for the feedback and I'll do it via letter. Can I claim from a closed bank account with the same bank? It was closed aprox 6 months ago as that's when I got the current account from them.

Quote:

Originally Posted by handyman

Can't see this happening, I had a heated discussion with the bank manager where she repeated that the bank where in the right and I was wrong. I made sure of presenting the cheque 2 weeks later in her presence. silly cow.

SMHarman · 09-03-2007, 18:20

Quote:

Originally Posted by newguy

Thanks for the feedback and I'll do it via letter. Can I claim from a closed bank account with the same bank? It was closed aprox 6 months ago as that's when I got the current account from them.

Current status of the account is unimportant.

newguy · 09-03-2007, 22:48

Thanks for the advice and I'm going to write up the letter this weekend in ref to my charges over the years. It don't mount to a lot as in aprox ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£250 to ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£300 max. Since I don't know and rather than wait the couple of weeks to find out, can I ask to make a deal as in say pay back ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£200 and I won't go no further. Plus to scrap the future charges that are to come, since I'll have more on the way due to me going over by a few pound on my o/draft last week. Would this be a good idea to get a quick resolution or should I ask for the correct amounts been taken?

Quote:

Originally Posted by SMHarman

Current status of the account is unimportant.

Shaun · 09-03-2007, 23:07

Send the standard letter and say no more - if you start trying to bargain before you get their response you weaken your position IMO

newguy · 10-03-2007, 13:47

Thanks again Shaun for the advice,

I'm going to write up the letter this weekend to send of to the bank of scotland. Which is now bank of scotland/halifax I think? It's a pity that it can take up to 40 days for the correct ammounts to come through. As I have future charges to be added on this week of ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£88.00 as I had to go over my arranged o/draft last week in an emergency. Since been with the bank I have been charged between ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£250 - ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£300 (but more on the way). Not a lot but better in my pocket than their's.

Sorry I have another question, is it to my branch manager I would register the letter to or to their head office?

Finally would it be ok to cal them up actually to tell them not to take the charges this coming week as it's unlawfull and that their is a letter in the post for them claiming back more?

Quote:

Originally Posted by Shaun

Send the standard letter and say no more - if you start trying to bargain before you get their response you weaken your position IMO

Shaun · 10-03-2007, 17:29

Address the letter to the head office. as far as not applying the charges - they'll more than likely take them anyway. Just add them to the list you're sending in.

newguy · 10-03-2007, 21:39

Sorry to be a pest Shaun but I have 2 more questions and I'll then be able to crack on with my mission. I'm with bank of scotland - or bank of scotland/halifax as they are known now I think?

I have come accross the below address to post the dpa letter to and just wondering if it is the same one you used;

HBOS PLC
Trinity Rd
HALIFAX
HX1 2RG

This ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£10 fee for the dpa letter, do I make it payable to Bank of Scotland or is it Halifax?

Plus I'm due to have more charges applied this coming week for ÃƒÆ’Ã¢â‚¬Å¡Ãƒâ€šÃ‚Â£88.00 as I had to go my o/draft in a bit of an emergency last week. Can I call them up saying not to apply this to my account as it's an un lawfull charge and that I have a letter in the post requesting the other charges back over the years?

Or should I wait for the charges to be applied this week and then send of the letter to request the amounts taken?

Quote:

Originally Posted by Shaun

Address the letter to the head office. as far as not applying the charges - they'll more than likely take them anyway. Just add them to the list you're sending in.