deleted

mine is £390 total not sure its worth claiming ive read that could possibly black list you according to this web site


http://www.consumeractiongroup.co.uk/forum/faq.php

RWD_cossie_wil

iTrader: (9)

upski

TemptRS

i had my payout but they're still continueing to charge me


got a £60 charge coming out tomorrow???

what ya reckon i should do?

Damo V

Stop spending money

TemptRS

\




i'm trying

Uncle Winnett

claim it back

TemptRS

think i'm gonna do it again at end of this month

Billabong

BTTT

kjc300

iTrader: (1)

I wondered why this post had got so big!!!


I saw the title ages ago and thought it was someone moaning about charges, so didn't bother to look!!!


HOLY FOOK they probably owe me millions!!! I'm sure I pay for their xmas party every year too!!!

Will definitely be giving this a go!!

CRF

I sent my preliminary letter about 16 days ago now to HSBC, no reply of any sort as yet.

Gonna give it another week, as i'm away with work from tonight for the rest of the week, and see if anything comes through before sending a second letter.

I know someone who did the same with HSBC recently, they paid up but were 5 days over the 14 days stated in his letter.

Hopefully I will get a response of some sort at least

deanh

i got a letter from hsbc today 3 weeks after following up my letter with phonecalls, they are asking me to give them a breakdown of the charges and what the charges were for, like i have a fookin clue of the breakdown when they just whack 100 quid on each month!!

Uncle Winnett

dosent take long to go over your statments and copy them to a sprred sheet and work out what they owe yoy just make sure you save it so that if you get to the small claims court you get to add 8% on


john

escort mk6

ive come accross a bit of a problem

my letter was for: just under £50 relating to overdraft allowance.

ive sent the letter of asking for the money to nationwide.
My reply i got was


what to do?

Dan Cossie

just checking people do you send it to your branch or head office???
sending the letters out today!!!!!
fingers crossed

Dan Cossie

UP
come on someone must kno lol

Neil S

iTrader: (1)

The answers to all your questions are on www.consumeractiongroup.co.uk

You're best off getting it straight from the horses mouth Dan

Be prepared though, the banks are dragging their heels now!

Neil.

Shings

Right gonna do this for the old dears.


Read through from start to finish- Anyone get any money back off Lloyds TSB as thats who the olds bank with

Jake

Daviet

try sending this
Dear Sir/Madam

Re: Your refusal to refund bank charges

I write in response to your letter refusing my request for a refund of bank charges. I note your position is that I am not entitled to a refund because the terms and conditions of my account allow you to impose charges where I have insufficient funds in my account.

I also note your suggestion that I can complain to the Financial Services Ombudsman if dissatisfied with this decision. However, please be advised that it would be inappropriate to complain to the Financial Services Ombudsman where the only forum which can determine a dispute on the legality of charges is my local court. I would ask you to note the following.

Your bank insists it can impose charges in accordance with its terms and conditions of contract. However, those terms and conditions are subject to the common law and the Unfair Terms in Consumer Contract Regulations 1999 (UTCCR). Indeed, the UTCCR takes precedence over any contractual term where the court finds a term to be ‘unfair’. The court can then treat that term of contract as having no legal effect.

The question that arises is this: are your charges unfair in terms of the UTCCR? 0n 26 July 2005 the OFT stated that 'a charge is likely to be disproportionately high if it is more than a court would be likely to award if the lender sued the cardholder for breach of contract'. So what would the court award your bank for my minor breach of contract?

As you will be aware, the court will only award (in a non-negotiated consumer contract) a sum to reimburse actual loss. Your charges do not reflect actual loss. Rather, they include a massive profit margin or penalty. Alternatively, they subsidise the bank's global debt recovery costs and lending losses. There is parliamentary evidence for this assertion.

When the UK banks gave evidence to the House of Commons Treasury Committee on how bank charges were calculated they said:

"[bank charges] are going to pay for all the people we have who pursue debt, collect debt, speak to customers and chase payments. The way these charges are arrived at is by taking these total costs and making some assumptions about the volume that is going to come through to arrive at the individual charges" (House of Commons, 2nd report, 25 January 2005, paragraph 50).

Accordingly, your charges do not reflect the actual loss in my case. They are an illegal penalty charge designed to recover money unconnected with the conduct of my account. Please advise whether you have an appeals procedure, and if so, please treat this letter as a request for an appeal against your decision not to refund charges.

If I do not hear from you within the next 7 days, I will raise an action of payment at my local court. In that eventuality, I would require you to lodge in court financial vouching for the actual loss sustained in my case, together with your full financial accounts revealing how much income is generated from your bank charges, as against the cost of administering dishonoured transactions.

I looks forward to your response.

Yours faithfully

escort mk6

cheers mate, that will be sent tommorrow

StuRST

its just delaying tactics, they send out these letters when you ask for you charges back hoping that you will just put your hands up and give in <--- dont do that, i went through the same thing when i reclaimed £900 5 months back. I would advise anyone to research/ask questions on www.consumercorner.co.uk. they have all the form letters ready written that you will ever need, or if something else comes up they will write you something from scratch, top bunch of people on there

Uncle Winnett

got a letter to day off bank



im happy

Chrissy_bwoy

u get all you wanted back?

i sent my 3rd letter off today after they offered me £103 on £1740. see what happens

Martyn

I got a result

I had to ring Capital One for a change of address, while I was on the phone I thought Id try my luck and asked for copies of all my statements.
Surprisingly enough, I was told that they would be in the post within 7 days I checked and double checked to see if they would charge me for them and was told definitly not!

So those turned up and I totalled up my charges: £475
Sent off the first letter blah blah blah, 3 weeks later (just as I was about to send the 2nd letter) I get the usual you agreed when opening the account type response, but they offered me £205.

As Im lazy and could do with the cash right now, I sent back the agreement paperwork and am now more than happy with the 205 quid I am up for the price of one stamp

Cola

I'd always hold out. They offered me under 200 quid, for the price of one more stamp and an extra three weeks I got over 2K.

Martyn

I agree, but I didnt have that extra time to wait or I would of done.
What I did get came in very handy at the right time so I was happy to take it
If I was offered 200 instead of 2000 I would of definitly held out too, but it was only 200 difference.

Uncle Winnett

well i cant say but i was going to take it all the way to court if they did not make me a good offer and i mean a good offer so if i was you i would hold out for the lot if you no what i mean


john

Chrissy_bwoy

top stuff,

have to wait and see what they say, fingers crossed

Dave Parker

if you take your bank to court and lose do you have to pay the banks court costs, that could be very costly

Cola

Not one person has lost Dave. The banks won't go to court as their charges ARE illegal, and it would open the floodgates to millions of pounds of loss.

They'd rather just pay us off quietly

CRF

Nice one Johnny, is it going towards any mods on t'evo?!

Hope I have the same luck with HSBC. Second letters going out on Monday.

Chris

UBster

After reading this post I told the girlfriend about 2 months ago, we started with checking through all her bank statements, a total of 3 banks in the last 6 years. Highlighted all bank chargers over £12 and it came to around £2000.

After sending out letters 1, 2 and 3 we have received a total of £1100 back so far from 2 banks, just waiting on the natwest now so looking at a total amount back of £1500 without taking any court action, we were very tempted to take yorkshire bank to court as the charges were around £900 but decided to cash there cheque of £500 that was offered.

Good luck to anyone following up on this and whoever posted this up deserves a beer

Matt

DazC

iTrader: (1)

This is a question for people who have been through all this and won money back.

What happened regarding charges after the bank have paid you back?

RBS are saying they will offer the whole lot back but future charges must apply.

Psycho Warren

iTrader: (5)

Mine comes to £1722 in 3 years when you take off the £12 per charge they are allowed.

Hadnt bothered to send off as i didnt think id be around long enough to see the money

Might as well have a go as it gives me something positive to look forward to.

Cola

Daz, it means that they charge you and then you call them to say you will just claim them bacvk again and they generally pay you out. Otherwise you just have to go through the process again!

Warren, you DON'T deduct the 12 quid they're allowed. That stands for future charges.

DazC

iTrader: (1)

Just got this reply from a helpful person on Consumer Corner...

We have refused to accept the terms of the bank charges and invited them to make a more acceptable set of terms.

Uncle Winnett

dont no yet evo is up for sale at the mo going looking at a 400bhp+ evo 7 on tuesday but its silver and i hate silver

just keeping my eye out for a 400bhp evo 5 6 or 7 if not ill spend the cash on mine

john

Cawood

does anyone know if you can claim any of the overdraft interest back?

tried looking thru the various sites on this but cant figure out if ya can or not

SapphyMike

can you claim for late payments on credit cards, and as said by cawood, over draft interest charges?

John Laverick

I'm in the process of claiming mine back [Only £245 over the last 6 years] just sent of the 1st letter asking for the funds back.

CRF

Well, just got back from my trip away with work to find a letter from HSBC on the kitchen table.

It's taken them 26 days to reply but they have offered me a settlement of 90% of what I requested. Surprised as I had only sent the preliminary letter off, was expecting soem bullsh!t answer.

So I am taking the money