Have you ever been charged by your bank????
29-09-2006, 01:08 PM
#602
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Originally Posted by 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
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
03-10-2006, 12:32 PM
#604
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just had mine back form HSBC... i was claiming £790 and they offered me £714. for the sake of the extra money I can't be arsed so I'm taking it. 
Thanks to all involved for showing it could be done.. otherwise i'd probably never have got off my arse and done it!
Thanks to all involved for showing it could be done.. otherwise i'd probably never have got off my arse and done it!
03-10-2006, 02:34 PM
#606
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Originally Posted by 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
tried looking thru the various sites on this but cant figure out if ya can or not
03-10-2006, 04:21 PM
#607
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Originally Posted by SapphyMike
what about credit cards then?
ive got 2 claims on cridit cards
1st one halifax
2nd cap one
just about to put court claim in tonight so thats my chages + 8% on halifax
and cap one have till friday to repay me my chages or they to will get taken to court
john
03-10-2006, 04:40 PM
#609
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Just sent off for my statements!!!
I REALLY REALLY want to see their faces when I smash them with my request for return of charges, as I always used to bounce shitloads!!!
I REALLY REALLY want to see their faces when I smash them with my request for return of charges, as I always used to bounce shitloads!!!
03-10-2006, 08:12 PM
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My wife is truely dreadful with her money and has racked up hundreds of pounds worth of 'fines' over the years.
1st letter copied, details filled in, and will be in the post tomorrow. If we get nowhere well hey ho, but got to be worth a try. Will keep you all posted how we get on.
(Freepost to Barclays as well )
1st letter copied, details filled in, and will be in the post tomorrow. If we get nowhere well hey ho, but got to be worth a try. Will keep you all posted how we get on.
(Freepost to Barclays as well
)
04-10-2006, 06:14 PM
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you dont have to sign it just send this letter
Thank you for your latter dated xxxxxxx, and offer there in of xxxxxxxx.
You will be pleased to know that I accept this offer of payment.
However regarding the matter of treating this payment as, I will require:
1. a fee for this service of £500
a. or
2. the condition to the offer completely removed
Therefore my offer for settlement is as follows:
1. Payment by cheque to the value of xxxxxxxx made payable to xxxxxx
2. Withdrawal of the confidentiality clause or payment of £500
3. I will withdraw my claim from the courts upon receiving the above cheque
john
Thank you for your latter dated xxxxxxx, and offer there in of xxxxxxxx.
You will be pleased to know that I accept this offer of payment.
However regarding the matter of treating this payment as, I will require:
1. a fee for this service of £500
a. or
2. the condition to the offer completely removed
Therefore my offer for settlement is as follows:
1. Payment by cheque to the value of xxxxxxxx made payable to xxxxxx
2. Withdrawal of the confidentiality clause or payment of £500
3. I will withdraw my claim from the courts upon receiving the above cheque
john
04-10-2006, 09:25 PM
#615
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Got my statements.... added them up £865 Send off request for refund of charges and got a letter within 3 days from my local branch saying they have handed the matter over to the relevant department and should hear within 7 days
04-10-2006, 10:13 PM
#616
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unbelievable, I just got a letter from LloydsTSB today, my account in uk just went overdrawn, (I dont keep an eye on it enough), however they also want to charge me £70 for a returned DD.
so it looks like I'm going to follow the rest of you and fight back.
will post up again with a result, I hope.
so it looks like I'm going to follow the rest of you and fight back.
will post up again with a result, I hope.
07-10-2006, 01:44 AM
#617
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Hiya, i have been reading through this topic and there is a lot of bad advice being given and or taken wrong. please dont cock all this up for yourselves for the sake of doing it right. go to www.consumercorner.co.uk/forum seems plenty of you have already found your way over and we are always glad to help.
and we are always glad to help.
07-10-2006, 09:24 AM
#618
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I was told about them being illegal and got the ball rolling to recieve all my statements. after adding it up nat west owe me £1375 in charges. I claimed it back and they replied by saying the charges are fair and they offered me a Cheque for £113 as a guesture of good will. Is this not addmitting the charges aint fair? I dont want this, i want £1375. that would be ideal for me. I dunno what to do, any ideas. Would it cost to see a finacial advisor of someone proper like that.
07-10-2006, 09:35 AM
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Hi, go to www.consumercorner.co.uk/forum there is a letter for you to send, only thing you would get out of a financial advisor is a smaller wallet 
this is the letter
http://consumercorner.co.uk/forum/index.php?topic=50.0
you will be getting a nice 8% interest on top of that as well.
this is the letter
http://consumercorner.co.uk/forum/index.php?topic=50.0
you will be getting a nice 8% interest on top of that as well.
07-10-2006, 02:53 PM
#620
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Originally Posted by Ricky RS2i
I was told about them being illegal and got the ball rolling to recieve all my statements. after adding it up nat west owe me £1375 in charges. I claimed it back and they replied by saying the charges are fair and they offered me a Cheque for £113 as a guesture of good will. Is this not addmitting the charges aint fair? I dont want this, i want £1375. that would be ideal for me. I dunno what to do, any ideas. Would it cost to see a finacial advisor of someone proper like that.
go here mate www.consumercorner.co.uk/forum
i got 3k+ and it didnt cost me a penny to get it all back best place for advice
john
07-10-2006, 03:27 PM
#621
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sorted mine personally came to a agreement with my bank manager and managed to clear my credit card woohoo roll on engine rebuild
09-10-2006, 09:34 AM
#623
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Originally Posted by COSSIENUTS
sorted mine personally came to a agreement with my bank manager and managed to clear my credit card woohoo roll on engine rebuild
can you pretend to be me and get mine cleared please
11-10-2006, 06:47 AM
#624
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morning everyone. Although i have already had a grande from the bank, i'm now chasing for aprox £250. Today is the 14th day and i've had no response, can someone please advice me what to do next.
Somehow i have a feeling i wont get these charges as easily as i did the last .
Somehow i have a feeling i wont get these charges as easily as i did the last .
11-10-2006, 08:41 AM
#626
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Sent the first letter off last week and had a reply through the post today. They've returned my cheque and are sending all statements requested FOC.
They put some stuff about manual intervention that goes "the bank doesn't hold the information requested in a form that would be covered by the DPA etc etc etc" what ever that may mean. But hey-ho, it's a start....
I take it that I now tot up the amount that has been charged and send the second letter off?
They put some stuff about manual intervention that goes "the bank doesn't hold the information requested in a form that would be covered by the DPA etc etc etc" what ever that may mean. But hey-ho, it's a start....
I take it that I now tot up the amount that has been charged and send the second letter off?
11-10-2006, 10:32 AM
#627
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11-10-2006, 10:37 AM
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I'm in the process but only for £245...still worth it!
I use the consumer action group standard letters as they have all the relvant legislation stuff in em
I'll be sending off my letter before action this week
I use the consumer action group standard letters as they have all the relvant legislation stuff in em
I'll be sending off my letter before action this week
11-10-2006, 11:01 AM
#629
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sending to both my banks today so fingers crossed could be a couple of quid got hit with a £90 charge yesterday
god i should be better with ma finances
god i should be better with ma finances
11-10-2006, 05:35 PM
#631
Professional Waffler
I want to do this but am waiting for my mortgage to be sorted first as I don't want to piss them off in case they put a spanner in the works.
Can use the cash to get me a nice new TV then
Can use the cash to get me a nice new TV then
12-10-2006, 10:12 AM
#632
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Originally Posted by Nick b
What address do you use???? Head office??
Thanks
Nick
Thanks
Nick
www.consumercorner.co.uk have all the upto date letters and write them specifically for you as well.
we will also help ou claim against any company where you have cancelled a contract and been charged the remaining term.
eg. mobile contract for 12 months you cancel after 6 and they still bil you for the remaining 6.
it goes much deeper than just bank charges
13-10-2006, 07:06 PM
#633
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Just 2 days after the letter from the missus' bank arrived, copies of all her statements arrived. Totalled them up and it comes to £1345!!
Second letter drafted, will be printed off and posted next week.
Will keep you all posted with any outcomes.
Second letter drafted, will be printed off and posted next week.
Will keep you all posted with any outcomes.
15-10-2006, 08:58 PM
#635
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Llyods TSB as basically told me to sod off, with the words, THIS LETTER IS THE BANKS FINAL RESPONSE.
Now what do i do??
Now what do i do??
16-10-2006, 10:35 AM
#636
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Originally Posted by TONY C
Llyods TSB as basically told me to sod off, with the words, THIS LETTER IS THE BANKS FINAL RESPONSE.
Now what do i do??
Now what do i do??
18-10-2006, 01:26 PM
#637
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Hi just thought i would let everyone know that a member has just won over £9,000 today through the small claims track,
this would have normally gone through fast track but we tested the courts and won it through the small claims. They still didnt get to court but the result is in our favour.
you can read about it in the forum at
www.consumercorner.co.uk
this would have normally gone through fast track but we tested the courts and won it through the small claims. They still didnt get to court but the result is in our favour.
you can read about it in the forum at
www.consumercorner.co.uk
19-10-2006, 12:32 PM
#638
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Well i sent a letter trying to claim £300 and they have wrot back offering £150 in full and final settlement and if i am unhappy they refer me to the Finacial ombudsman, giving there number and address......
I called the bank and threatened legal action bla bla bla - But they will not budge on that.
So i think i am just going to acccept it Can't be arsed fooking about for such a small ammount! 
I called the bank and threatened legal action bla bla bla - But they will not budge on that.
So i think i am just going to acccept it
Can't be arsed fooking about for such a small ammount!
19-10-2006, 05:45 PM
#639
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Originally Posted by Sexy-RS
Well i sent a letter trying to claim £300 and they have wrot back offering £150 in full and final settlement and if i am unhappy they refer me to the Finacial ombudsman, giving there number and address......
I called the bank and threatened legal action bla bla bla - But they will not budge on that.
So i think i am just going to acccept it Can't be arsed fooking about for such a small ammount!
I called the bank and threatened legal action bla bla bla - But they will not budge on that.
So i think i am just going to acccept it
Can't be arsed fooking about for such a small ammount! anyway whatever you decide
19-10-2006, 07:46 PM
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Don't think it'll just be "ten minutes on the pc" - 6 months later I've just got my court date, which isn't until the end of December (8 months after I started my claim).
It IS worth doing because it's YOUR money that they have taken from you UNLAWFULLY.
Stick it up them I say!
Neil.
It IS worth doing because it's YOUR money that they have taken from you UNLAWFULLY.
Stick it up them I say!
Neil.