M K

iTrader: (9)

this is for a friend claiming back £3700 but has been offered £1000 by barclays,

im waiting for my statements still on mine but will update when i hear more

cheers SHAUN1967

Effy

Been following this thread on and off for a while but never had the balls to claim until I got a statement yesterday and was charger £30 for going £9 over my o/d limit for about 12 hours. So just printed request letter and gonna send it tonight. Has anyone been offered a settlement straight away without the bank sending out any of the previous statements? and if so is it anyway near the actual amount owed?
I reckon they could owe me thousands over the past 6 years but its gonna be a long hard slog going through old statements but I suppose it will be worth it in the end.
Thanks for the post and nice to see alot of people with results

shaun1967

people do get offers come with their statements but its usually a pathetic one make sure you send the one from concumercorner as it is a lot more detailed and also acts as your first request for a refund. which cuts the whole proccess down

Stu.H

Just sent my 1st letter off, used the letter from page 1 of this thread

bank is halifax

lets wait and hope eh?

shaun1967

ok but dont send that second one

Stu.H

oh ok

whats the next step after this one?

u on msn?

shaun1967

hi nope im not on msn
the next stage is a letter before action not a letter that threatens them with sending them another letter

Effy

Thanks for your swift reply yesterday Shaun.
One more question as I have sent 1st letter. On my bank statement it says £40 fee for having the overdraft then another £30 charge for going over. When I total things up do I include both these charges or just the charge for going over me overdraft??
Thanks
Effy

shaun1967

hi, if the overdraft is either lequal to or less than the amount of charges then yes claim the £40. also if the overdraft was given to you to pay the charges that were accumulating then its the same answer.

1 more thing; if the above applies then you claim the overdraft interest as well

Effy

Sorry shaun but thats a bit double dutch to me. does that mean I can claim the fee for having an o/d aswell as the penalty charges for going over it?? Sorry to be a pain, but I need things in terms of a 3 year old

shaun1967

hi yes you can claim the fee if for instance your overdraft is for £500 andthe charges are £600.

in which case you would have had no need for an overdraft as you would have been in credit by £100 if they had not applied the charges nor would you be paying any overdraft interest

sorry hope that makes sense but this is one of the more complicated issues when claiming the fees and interst back as well as the charges

Effy

Thanks shaun, I think that makes a bit more sense. Confusing stuff this but i will manage ( i hope )

shaun1967

you know where we are

and i will help you all the way

Stu.H

Im all excited waiting for my response

BlueSmoke

I've finally sent my letter off this morning to Natwest, requesting my statements etc.

How long have Natwest normally taken to respond for people on here that have dealt with them? And also, are they one of the banks that closes the account of the claimant?

shaun1967

Natwest usually take a month to get the statements out and they take it right upto the AQ stage, but they dont close accounts

R4N SS

iTrader: (6)

Right guys, I now have time to send my first letter off. Can someone please let me know which is the best letter to send off to Nationwide.

Pretty please

shaun1967

best thing to do is go to www.consumercorner.co.uk and have a look at the step by step guide.

BlueSmoke

Pardon my ignorance, but what's the AQ stage?

shaun1967

Allocation Questionaire (just a yes/no form from the courts) which comes when they put in their defence about two weeks later they offer you a 50% settlement which you reject then they offer you 100%

long winded but very predictable RBS are now doing exactly the same

BlueSmoke

Ah I see. So without having to read through the whole thread, will I have to actually initiate a claim through the small claims court then? What will happen with them after I send a second letter requesting that the charges be paid back?

shaun1967

when you send the 2nd letter called the LBA they will either ignore you totally or make you a very small offer. it depends a lot on how much you are claiming.

having said all that we have just changed the LBA and a natwest claim was paid before the court stage, but its to early to say whether it was the re-worded letter that did it or just a one off mistake by natwest

Dan Cossie

HI SHAUN,

i got a letter back from Natwest today sayin they feel the charges well fair and just so they are not going to be givin me any money back what can i do now mate or is that it???

R4N SS

iTrader: (6)

Cheers Shaun - expect a lot more stupid comments from me tho.

shaun1967

no problem

Dan Cossie

pm shaun

Cowboi

now daniel dont u wish u had listened to ur mummy when u was a little boy.

Dan Cossie

shut ya face ya tit

shaun1967

pm'd mate. nice 8% interest to go on top now

R4N SS

iTrader: (6)

Shaun - i cant work that ite out

All I want is a template which I can send to Nationwide as this is my first contact with them about my charges.

Can someone send me a link to the letter or cut and paste it and I will copy if from there.

Cheers in advance

Ran

vroomtshh

I got two letters from Halifax last week telling me they couldn't send me my statements. The first letter had a £60 cheque in it, and the second had a £53 cheque in it 'to thank me for my custom'

After them, I received all my statements and the charges added up to £111. I take it, its ok for to cash the two cheques.

I think they have made a mistake and only meant to send one, but is there anything they can do if I cash them both?

shaun1967

http://consumercorner.co.uk/forum/index.php?topic=61.0 step by step guide

you will need to be registered to get the links to the letters. if its for your statements http://consumercorner.co.uk/forum/index.php?topic=16.0

shaun1967

they cant do anything as they add up to tha amount of charges. get them cashed.

Dan Cossie

so i go straight to court now????

damn thats moved fast lol

god yuor website is confusing....what letter do i have to send exactly there is shit loads on your site mate...can you make a stupid section up for me haha

shaun1967

there is one its called step by step guide http://consumercorner.co.uk/forum/index.php?topic=61.0 if you have a read through that but skip to the court part then just click on all the links that are appropriate.

please post on the site as well though in the section of your bank as it helps us to help you

shaun1967

Here is a brief step by step guide to claiming back your charges


PLEASE NOTE all letters should be sent recorded delivery with the possible exception of your statements request
please click on the blue highlited links for documents and related information

1. If you do not know the amount the bank has taken from you and you do not have your statements then send the http://consumercorner.co.uk/forum/index.php?topic=16.0

there is a maximum £10 fee for this, which they have 40 days to comply with.
it is best to hand in the letter with cash at your branch and gain a reciept, as the 40 day clock will not start until they have the cash or have cashed a cheque, however if this is not possible then sending a cheque or postal order is fine.
it is also advisable to chase the statements or list of charges up with a few phone calls as they will try and stall the whole proccess, and may even send a letter reffering to statements not being available on microfiche, where in actual fact this is covered in the letter, and is just one example of stalling, and will be dealt with if it happens

2. Now that you know how much you are claiming you will need to send the LBA http://consumercorner.co.uk/forum/index.php?topic=17.0

(Letter Before Action) and the Shedule A doc http://consumercorner.co.uk/forum/index.php?topic=18.0

showing the list of charges giving them 14 days to repay your money. You may or may not get a response from this.
however it is usually a partial settlement, or a letter saying that they are looking into it, and will be in touch shortly, or a simple no we are not paying up.
if it is the partail settlement then there is a letter to send refusing this if you so wish (which we advice you do)

3. presuming you have not had a full refund then on the 15th day of sending the LBA, you should file your claim with the courts. this is where you get to add the 8% interest http://consumercorner.co.uk/forum/index.php?topic=60.0

This can be done in one of two ways, either online at Moneyclaim online https://www.moneyclaim.gov.uk/csmco2/index.jsp

or at your local county court whereby you will need to fill in? three copies of the N1 http://www.hmcourts-service.gov.uk/c...ms/n1_0102.pdf
form and take them in with your fee http://consumercorner.co.uk/forum/index.php?topic=76.0
(online is much easier)

the template for filling in the claim form can be found HERE http://consumercorner.co.uk/forum/index.php?topic=53.0

You may find that you are not required to pay court fees if you are on certain benefits, take a look here to find out if you are EXEMPT http://consumercorner.co.uk/forum/index.php?topic=57.0

if you are exempt from fees then you cannot claim online and need to hand in the EX160 form with your claim? http://www.hmcourts-service.gov.uk/c...ex160_1205.pdf

4. now the banks have timetables to hit and should they fail to hit these you WIN. take a look HERE http://consumercorner.co.uk/forum/index.php?topic=12.0

you will also get the same scenario as in point 2. a) partial refund, b)full and final settlement, c) ignore you, or d) follow the court procedure and file the acknowledgement of service then defence.
if it is a) send them the letter refusing. b) or c) you win, go and relax d) just sit tight a little longer until they do pay up. remember they are not going to enter a courtroom with you.

it is just a waiting game

this is just a brief guide and you will get all the help and support you need in the forum along with the letters and templates required

jaclyn_67

I am about to send the 1st of the letters to my bank (Clydesdale) can anyone tell me if i should send it to my branch or the head office?

Thanks

shaun1967

either is fine

jaclyn_67

Thanks.

I have two accounts that i want to claim back charges for and i have the statements for 1.

How do i go about claiming for both if i already have the information i need for one of the accounts?

shaun1967

just start your claim for the one you know about, and get your statements for the other one