MarkTurbo

Can you view all your old statements through internet banking? Im with Lloyds tsb, if you can i'll do it that way instead of having to send off for them all

I reckon i must have a few of these charges from a few years ago that i can claim back off them, getting charged £30 just for them to send a bloody letter is a fooking piss take

joel_winders

can you do the same with credit card chages if you missed a payment ?

Harris.

My other half just got a few hundred quid too

Dan Cossie

i got refused by both banks and cudnt b arsed to chase it wish i had now as its too late i think

CossieRich

iTrader: (1)

reading all 25 pages will take me all afternoon, so are the charges you get back from things like:

A cheque bouncing

Un-authorised overdraft etc?

Dan Cossie

exactly what it is matey

CossieRich

iTrader: (1)

Cheers Dan

I hate to say it, but i have never had a cheque bounce and i dont go over my agreed overdraft limit

John Laverick

Eh...for the sake of sending a couple more letters you'd rather not have £300?

If a few hundred quid is 'poxy' then why bother bother claiming the £700 in the first place

John Laverick

Don't see why it would be too late? Just follow the process!

gary scott

iTrader: (6)

I was owed £1056.00 from the Halix and they only offered me £256.00 as a good will gesture.

So I wrote the other letters and filed the small claims court summons which cost £120.00 and added the interest @ 8%

And they paid me the lot of £1478.50 about a week before the time was up on the court summons!!


If I was to do it again I would calculate what they owed me and issue the court summons straight away!! Its were its going to end up anyway so why bother sending all the letters just go straight to summons. At least you get to stick the interest on then!!!

smithy20vt

Yep just done this for a friend a got them £1500 back today.

Really easy process if you follow the set letters.

Dan Cossie

cos the banks put on the letters if we dont hear back in 6 weeks they will be closing the file etc ...i prob am wrong though

John Laverick

Just star the process again then... deffo don't think you can leave it too late.

BlueSmoke

It's been about 60 days now since my first letter.

They did send a letter saying they'd send the statements after I confirmed my address etc which I have done, yet nothing.

Which is the letter you send after the 40 days have been and long gone?

M K

iTrader: (9)

i just filed my court claim after refusing there offer as it was £500 short

but i didnt add the 8% as i wasnt sure how the go about it as it asked the daily interest rate etc etc etc and i didnt know what the fcuk they meant


il be satisfied to get it all back without the 8% still tho

and the claims sent know so its too late

MarkTurbo

Just read an article in last saturdays Daily Mail, classic

A guy was owed £3400 worth of charges and despite sending off the letters and even filing a county court judgement against the bank they still didnt respond So he got a warrant of execution from the court allowing debt collectors to go to the branch and recover items to the value of the claim

From the paper:

BlueSmoke

Up for someone to answer my q!

Nick D

Sorry I've not been here in ages since I first posted this up! After reading through about 10 pages or so it looks like a few of you owe me a pint lol!!

If you have any q's please don't hesitate to pm me, and I'll answer as soon as I can!

Good luck to all!!

RichardPON

There's an awful lot of confusing information being thrown around here for something that should be relatively simple.

The 8% is an APR figure and should be worked out accordingly.

orion_crazy_carl

iTrader: (3)

after 6 months of hassling my missus got all her 2,500 quid back
my turn!!

John Laverick

I've just settled for all my charges + 8% interest and expenses....to a grand total of £350

Not much but better than a kick in the nads!

StephenC

Same here John, were you meant to be at court feb 7 in leeds?

John Laverick

Yes mate...but they settled

Didn't really fancy going to court anyway

Shakey Jake

Well why the hell would i want to fuck about with more letters and court for £300

As i have said my charges aint no where nears as high as some peoples so i don't see the point in pushing it.

£400 was good enough for me..... but some people are just never happy with what they get are they

John Laverick

Just seems strange thats all ... you're willing to send 1/2 letters for £400 but can't be arsed to send 3/4 letters for £700

Its hardly fucking about + plus you also get 8% interest...its not about being happy with what they get...its about getting what you're owed!

RichardPON

You can't do it that way.

You have to give any party reasonable notice of your intent, since you are only looking to claim back your charges.

The interest has everything to do with the court procedure and nothing to do with the charges you are claiming.

Shakey Jake

How can you say it's what you are owed

At the end of the day were are the mugs that went over our overdrafts for whatever reason so it should teach us a fucking lesson.

It's money i did'nt have before so im happy..... i'm just not some mug that doesn't appreciate something they didnt have in the first place and am happy with what i got offered... end of story.

Mrs T

i done the same thing took about 400 instead off 700 i was happy with the 400 so no point going for the rest the money come in handy at that time

Shakey Jake

** T **

Ahhh someone else with some appreciation lol

I just respected the fact that the didnt have to make me that offer so i took it and i'm happy

SassyRS

ditto, hence i have never been charged

Shakey Jake

And in all honesty thats the way it should be...... thats why i don't see why people are getting pissed off at their offer's when it's their fault they got charged in the first place

John Laverick

Each to there own...its you're opinion but I personally think writing a couple of letters for £300 is well worth it

I can say its what I'm owed as its an ILLEGAL CHARGE! It may as well be stealing !

What by stealing from us

Its not necessarily about being a mug and going over you're overdraft ... some people have no option. The charge levied by the bank is not proportionate to the costs they inccur.



Money you didn't have? You had it before you they took it surely?

What you're essentially saying is if someone breaks into your house and nicks £700....you'd be happy for them to just pay back £400. If thats the case where do you live

Seriously...I do see what you're saying but don't agree with it...loads of people seem to give in at this stage.

Shakey Jake

John Laverick

I'm saying if everyone was was more careful they would'nt go over their limit.....

As for you saying you have no choice.. well if you aint got the money don't spend it

As for the charge's... they have every right to charge you for spending money that is not your's... fair enough maybe some of the charges are too high but never the less they will still charge you something.

And yes fucking about taking my bank to court for the POSSIBILITY of and extra £300 isn't worth my time. My bank have always been good to me and i ain't gunna knock them for what i think is a fair offer

John Laverick

Fair enough...we'll agree to diagree

cressy

iTrader: (1)

doing it this weekend fukit

SassyRS

Thats exactly my thoughts Dal, we will be looking to get a Mortage this year and I doubt the bank would be impressed if i screwed them for a few hundred quid & then asked to borrow 150k

RichardPON

The banks don't care in the slightest. As long as you meet their lending criteria, then they'll be more than happy to provide, as they can't black mark you for any charges you reclaim.

As for the charges, it has been advised by various government watchdogs that the charges, whilst necessary, are disproportionate to the service provided, and by applictation of various legislation, illegal.

Put it this way - If the going rate to do a headgasket on a cossie was say £500 all in for example, and one company charged you £4000, you'd soon be on here screaming about it, and looking for a way to get your money back.

MAD matt-sab

sent mine off a week or so ago
lots of people where i work have already done theres and had betewwn £450 and 1350 back.
it works.if they owe you get it off um

Miss Fiesta Turbo

Received 3 charges at once before .... they took one charge out at their mistake which was £30 which took me into my overdraft, then they made a mistake and thought i didnt have an overdraft so took another £20 and then charged me another £30 for being in the minus again!

Called them up.... they apologised for making the mistake in the first place and i was given the £80 straight away!

I dont spend money i dont have in the bank so have never received charges at my own fault

Sorry but i dont see how the bank can owe you for charges which you know about!

jumpin jack crash

when i was younger i made a few mistakes with my money got a few charges, luckily ive learnt from them now but i might try this out and see if i can get a few quid off lloyds as it will pay for a holiday probably