UBster

Top thread can't believe i've missed it, just got the wife to tot up her charges and over 3 accounts it comes to about £1600

So 3 letters are getting sent out tomorrow all by recorded delivery and I'll be chasing hard

Someone is gonan be getting a lot of drinks bought for him on there

Simon

Anyone else get a letter of capital one today saying all charges are being reduced to £12. I wonder if the rest will follow suit

Nick_RSIFEZ

Yeah barclaycard did that a few weeks ago everything reduced to £12

deleted

right got 6 yrs of statement on my coffe table time to start adding up

Simon

Cool, so its only a matter of time then

deleted

can anyone confirm if you can claim back interest charged by your bank?

Iain Mac

Wouldn't have thought so because you agreed to the interest rates and not even the politicians are claiming they were too high, but the penalty charges bore no relation to the cost incurred by the bank following the customer's breach of the Agreement and that's what they told the banks and credit card companies was out of order.

saff_cossie

So from this it looks like Lloyds TSB are contesting more than paying up.

Is this for CC charges or just savings account charges?

I have had a few overdrawn charges on my savings account for exceeding my interest free overdraft. Have also had a few on my credit card (also with Lloyds) but would have thought the CC was business. They loan me the money, I cant pay it back on time, I pay a fee. Seems reasonable as I would do the same if it were my business.

Cola

The consumer website tell syou all you need to know. There is a spreadsheet there that I recommend you use. It calculates the charges, the interest you CAN claim back (when you're overdrawn) and the 8% per year for if and when it goes to court.

The people on that site know everything!

Dicko&Vacant

iTrader: (3)

barclays told me about 3 weeks ago that they would get back to me after i said i was claiming £1485 by the 11th august at the latest, theyve not sent anything so what can i do now? i need to send them another letter but im unsure as to what to put in it?

Sarah

lawnsy

iTrader: (1)

Ive just had my reply from barclays saying;

'May i say how sorry i am to learn that you feel the bank charges you have incurred are unfair. In your correspondence you have referred to elements which you feel support your claim. Barclays is aware of the information you have drawn to our attention. I must inform you however that we disagree with your view.
When an account is opened with us, our customer is provided with a copyof the Terms and Conditions relating to the use of their account; including details of our charges. This information clearly explains our obligations to our customers, as well as their obligations to us. If we make any changes to the Terma and Conditions we provide details of these changes to our customer in line with the banking code.
In view of my comments above i am unwilling to refund the charges you have incurred as requested. Although i appreciate this is not the response you were hoping for, I trust I have made the banks position clear.'

Then just a load of crap about getting in touch with them etc ......

I knew i would be the only person not to get some sort of refund lol

Anyone got any idea what i'm supposed to do next????????

gingeRS

gonna try this for my missus

she's just been hit with another £100 charge for going over her overdraft

makes me so angry

Cola

Lawnsy! Go here: http://www.consumeractiongroup.co.uk/forum/faq.php

I feel like my own echo lol

Course they’re not just gonna roll over and pay out. Mine offered me less than 10% of my charges and Dave was told they weren’t tied to the data protection act (who are they, God?!) These are all stalling tactics. I’m guessing you’ve sent the first letter and that’s their response. Then you send an LBA – letter before action – giving them 14 days, then you file a court claim.

You REALLY need to go to the forum that actually helps though, cos if you fuck it up you’ll get sod all. If you do it properly they HAVE to pay you out. I took them to court on Monday, costing me £120 quid. My charges were 1500, then there’s the interest that was about 40 and then the 8% interest (per year) that came in just over 400. So I’ve had to research, do the spreadsheet, write some letters but if you do it properly it will be worth it.

deleted

greatr advice cola will go on there tonite when i can concentrate properly

Dicko&Vacant

iTrader: (3)

i bank with barclays got a feeling theyre gonna do the same to me, and tbh i think ill be getting a claim set up in the small claims court if they do, fooking robbing barstewards


Sarah

lawnsy

iTrader: (1)

cheers

ill have a look now

Dicko&Vacant

iTrader: (3)

sarah got a letter off barcleys yesterday offering her £800 more than half she was claiming for

Graham S1

mum showed me an article in the mirror about a girl who got £2k back. she was initially offered £500, but she just kept at it.

shaun1967

try www.consumercorner.co.uk
they will give you all the help you need, dont accept anything other than full settlement. they have helped reclaim over £150,000. its all free

rs_daz

After I received my £1050 claim ive noticed my bank are still charging me from the month before I claimed.. Can I claim again??

shaun1967

yep just keep reclaiming, even if you signed to say you wouldnt which some banks ask for they cannot make you sign for something unlawful, so that in itself becomes unlawful.

matbe they will pay up quicker this time as they no you mean business

lickshot

Hey all!
sent my Letter Before Action 2weeks ago to Nationwide and received 3 letters back from 3 different people all chatting the same bollox! They are saying i have to give them 8 weeks so they can reveiw my case n stuff .... How fookin stupid!!! So ive just sorted court proceedings Fookem! My mate had the same with a diff bank, started his court proceedings and had his money IN FULL back in his bank within 2 weeks! So it gets sorted by 10 tommoz morn, and ill keep u all informed of how it goes peeps!!
Fingers crossed for meeeee!!!

Neil S

iTrader: (1)

Stick at it Sarah, I'm at the small claims stage with Barclays at the moment - they ARE paying out, you just need to make it clear to them that you will go all the way with them

Neil.

shaun1967

dont back down or be scared off. a lot of banks are filing defences now just to scare you with all the legal junk.

The Sludge

right then, advice please as to what i may do now??? I have just received this letter from LLoyds Tsb.

Dear Mr Taylor
Thank you for getting in touch with us. I am sorry you are unhappy over your account charges.
Like any business, we do make a charge for some of our extra services. When a customer doesn't have enough in their account to cover a payment, this always means additional work. We must either make the payment for you via an overdraft or send the payment request back. Either way, it has to happen speedily. We feel it's only fair to charge for the extra work involved.
Of course it is only fair, too, that we're completely open about any charged-for services before you take them up. That's why we take care to provide every new customer with the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, via our helpline and on our website.
Just as importantly, we do everything we can to help our customers avoid charges altogether.
I'm sure you'll know how easy it is to keep a running check on how much is in your account. You're free to get an up-to-date balance at any of our cash machines, over the phone, online and nowadays even by text to your mobile.
If you know a payment is going to take you over the limit, you're welcome to see if we can raise your limit - and we can usually give you an answer straightaway. You might know, too, that we don't usually charge fees if it's the first day in 12 months that you've gone overdrawn without agreeing it with us beforehand. And we never charge an overdraft excess fee more than three times in any one month, however many times you go over your limit.
I do hope you can see that we make our charging system as fair as possible - and why I
cannot agree to cancel your charges.
This letter is the banks final response, which means that if you remain dissatisfied you may refer your complaint to the Financial Ombudsman Service. If you decide to pursue your complaint through the Financial Ombudsman Service you must do so within 6 months from the date of this letter. I ahve enclosed their lefalet that outlines how to contact them.

Thank you once again for taking the time to raise your concern with us.
Your sincerley
Ms Musurat Siddique
Customer service Officer

So now what do i do? Originally the letter stated i would have an assitsnat manager to look at it. Now i got a joey looking at it. Not sure what step to take now in all honesty

shaun1967

hi its just the standard reply. your next step is to file a claim with the courts, you can do this online or via a downloadable from that you can take to your local county court. you will also be pleased to know that you can now add 8% interest to your claim

The Sludge

Thanks for swift reply. Where can i get that form from and how much willit now cost me? 8% interest sounds good now

shaun1967

hi, go to www.consumercorner.co.uk all the links as well as a template fro filling the form in and a spreadsheet for working out the interest are on there

kevbo

Another success with Barclays here. Sent off a letter (which I downloaded from the internet 3 weeks ago, took me 2 minutes to copy & paste my name & bank details onto).

Yesterday I recieved an offer of £270 which I am accepting

I used letter 2 from this website http://www.bankcharges.info/ and left the amount I was reclaiming for blank & sent it to this address

Freepost RLTA-CSUE-TCHC
Barclays Bank plc
Head office customer relations
1 churchill place
london
e14 5hp

shaun1967

hi, i presume you dint know how much the charges were. because i also presume that their offer is only a fraction of what you have been charged. they very rarely offer anything close to what they owe you.
hope im wrong an it sounds about right to you.

swerv

right of the people on here who have been given money by their banks, who has had their bank accounts closed by the banks?

are the banks legally allowed to close the account after claiming off them?

Dicko&Vacant

iTrader: (3)

have accepted an offer of £800

shaun1967

congratulations, bet you have already spent it in your head

frog

What a load of cobblers... a computer does all the work, generates a letter, sends it to you and allows or rejects payment. Banks don't have 100's of people dealing with every single case of someone going over a limit

shaun1967

to right thats if they even send a letter i know natwest dont. allthough i am about to issue a warrant against them anyway at least i write and tell them i am going **** them.

Uncle Winnett

hsbc have offerd me 65% of what i was claiming dont no if i will take it or hold out for the whole lot


john

Cola

I think anyone who takes a lame offer of anything less than 100% is mad or desperate for the money.

That’s not to say I’m desperate for the cash, but what you aint got you don’t miss

I took them to court last week, so in a couple of weeks I’ll have over 2K in my bank, what with 8% interest a year on all charges etc. Far better than their offer of 200 quid.

If they didn’t KNOW they had to legally give you all that money back, do you think they’d give you offers of free cash?

Uncle Winnett

which bank are you with how did you go about geting it to court how long did it take

thanks john

Daveyboy

she is with halifax. if you look on here: http://www.consumeractiongroup.co.uk/forum/faq.php it will tell you all you need to know and give you all the letter templates you need to send them. from start to finish of the entire process it shouldnt take any longer than 3 months i think it is. it could be 2 months.

As from the point of starting court proceedings i think they have 14 or 28 days. as i say though, its all in the website above.

shaun1967

hold out for the full amount its easy to accept a partial refund, but dont do it unless you cant wait another 2 months (at the most)
you could however accept that offer but make sure there are no conditions and then start again, but thats not the best way allthough it will still work. have a look at the link below, all teh help and advice you need is there as well, we are all in it to help.