bank charges claim?

[brettking24]

Hi has anyone ever tried claiming the charges they have had against their bank account?ive seen lots of threads on forums with people claiming back most of the costs etc.

im with natwest and am considering doing this too as i have paid quite a bit over the last year

bret

[rK@NE]

I've been pursuing my charges from my bank recently, I wrote to them asking nicely for my money back and they (unsurprisingly) refused point blank.

So I promptly filed a court action to which they have until August the 1st to file a defence, hopefully it will go no further and they will buckle and pay up the £580 they owe me

Check out www.bankactiongroup.com and pop over to the forums for all the information you need

[tatters]

I sent a few nasty letters to the customer service deparmant informing them that the charges were illegal and in the final letter l stated that l would be taking court action if they did,nt reply within 14 days, in the end they re-funded the money.



I,ve had loads of troble with HSBC the last time was over £500 being stolen out of my account when my card was cloned and HSBC had the balls to call up four times threating me with court action for being pass my overdraft by £400 while the cloning was being investaged each time they called the more abusive l got till the cu*ts stopped calling
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Past:NRG50,AF1125(x2),NSR125RR,ZZR250,CX500,VFR400,KR1S,ZZR600(x2),CB400N,YZF1000(x2),KH125,Z200,FX400R,CBR954RR(x2)GPZ500S,GT550,VFR750F(x2),RD350N,XR650R,CBR600F,CB250,KDX250,YZF750R,CRM250,400EXC,KLR650,TTR600RE,DR350S,R100GSPD,RGV250,VMAX1200,DL650,KZ750 Present:G650XC,C12,CRF450X,1190ADV

[Sparks!]

I'm just claiming £365 back, hopefully they'll pay straight up. Some people are claiming up to £5000 and some more!! and they're getting paid it too!! when it comes down to it, the bank is in the wrong and they would rather pay you than the more expensive court costs involved even if they don't win.. be careful though as you might get your account closed...

[G]

Definitely be interested to hear how these come out!

[rK@NE]

Bank acknowledged my claim today. They've got 27 days to file a defence however if I go on timelines of people claiming against the same bank I should recieve a cheque in the post within the week. Yay

[kawakid]

[Sparks!]

[rK@NE]

Hey guys just to let you know I've just recieved a letter from HBOS legal dept saying they'll refund me the charges as it's not commercial viable to take it to court!!!

Just checked my bank account and I'm £600 better off!!!!!!

[zaknafien]

What are the charges you're claiming back for specifically?
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02 Firestorm.

[rK@NE]

charges for a direct debit bouncing, returned cheques, overdraft charges etc...

[nrml76]

[rK@NE]

No mate, the interest on my overdraught doesn't bother me as it's only pennies.

What I have a problem with is that while I was experiencing sever financial difficulties when I was younger the bank were taking up to £100 a month in charges from my account for being £2 overdrawn etc....

I appreciate that I'm responsible for keeping my bank in the black I'm not going to subsidise free banking in the UK by paying unlawful charges.

Read www.bankactiongroup.com it states very clearly what a bank can lawfuly charge. They've been using their monopoly to cream off money from the people who can afford it the least.

[T1z3R]

a girl i work with is in the process just now of claiming back about £1000. hopefully she'll be successful.

see here for tips and advice on it.
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duck my sick!

[Dragonfly]

today i got a letter and went mental from my bank. my dad took money out of my account via internet for a jacket he got on ebay, the arrnagement was i gave him the money. he didnt tell me he took it out of my account. so i drew all my money out and dad went and cancelled it online about 15mins later when i got back. i gave him cash instead.

today i got a letter fining me £35 for that! i was livid! i went mad down phone and got half the charge refunded. but i blame dad for part of it but it was on a sunday and and they tried to take it out today when it was cancelled and they claim it wasnt cancelled. wan*ers
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All the breast.
Muzza on Binge:
He's too busy beating the everloving shit out of Lizzie to notice this thread has taken a turn down Drama Avenue and stopped off at the popcorn shop.

[Reevo8]

You live a life dragonfly.

Im gonna get a claim in for mine now and see what happens. Will get my mum and dad to send some claims in for there charges too!
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05 ZX10R, (**05 WKR)

[Dragonfly]

never boring around me reevo lol
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All the breast.
Muzza on Binge:
He's too busy beating the everloving shit out of Lizzie to notice this thread has taken a turn down Drama Avenue and stopped off at the popcorn shop.

[McJamweasel]

I'm claiming £400 from Capital One. A week or 2 ago I sent them a letter saying that I would be taking them to court (they ignored my first letter). This morning I received a reply saying that although their charges are legal, they are prepared to give me £168 - the difference between their charges and the £12 that the OFT says is now fair - on the condition that I drop the complaint.

Yeah, like thats going to happen. Will keep you updated.
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BCF: Be yourself, just don't be an arse.

[byke95]

Do a lot of you guys have low credit ratings?

I'm just wondering if the fines were just a 'fee' or were actually getting noted somewhere?

[G]

Do you send the initial letter requesting details of charges you have paid to the bank HQ or to your 'home' branch?

[Jesus_Christ]

[G]

Is that addressed to the home branch?
Does it matter, does anyone know?

Unfortunately my home branch is 125 miles away .

Also, anyone done this with Barclays?

[Ninja]

I jumped on the bandwagon on another of my forums ...

HSBC

Claimed £709.50 over the last six years ...

... after a month's wait, received confirmation of £709.50, but suggesting £700.00 in settlement ...

... signed that and sent it off, cash should be back in my account before the end of the week ...

The fee are 'penalty' fees ... a common English Law precedent (by no means rstrcited or only related to banks) is that a party can't include a 'penalty' within a contract if that penalty is significantly greater than the actual cost or loss incurred.

Since automated fees (penalties) simply cost pence to administer, being tripped and applied automatically by computer ... any bank charging in excess of £10-£12 per trigger (the Banking ombudsmen came up with £12 being reasonable) would be batting on a sticky wicket.

And it's not just the difference (eg the 25-12=13) you can claim, it's the whole fee ... since it's the application of the 'penalty' that's unenforceable ...

Of the other forum, succes rate is about 100% ... unfortunately, some banks are fighting ... claim £1000 and they'll offer £500 to settle etc ... but, be resolute, and they'll cave ...

The only ones I've seen close accounts are Society accounts.

If you can demonstrate it, there's also a legitimate basis to claim for any interest on the effect of the charges too ... although a lot of banks ignore the 'extra' overdraft created by charges, you'd have to be very careful ...

Bear this in mind; no bank has yet allowed themselves get taken to the Small Claim/ Money Court ...

Claims have been pitched by letter to the address on your chequebook ... and also to customer services on online accounts ... all successful ... mail is slower though, the online email approach seems marginally quicker ...
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James
4 wheels transport the Body ... 2 wheels transport the SOUL

[Louise]

Have a look here https://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,
I got info from the site and am sending a letter to Halifax asking for my 457 quid back they took in a few months.

[TheGaj]

Have a look here https://www.consumeractiongroup.co.uk/forum/ as well. They have templates for all of the letters you need to send, and will help you through it.

I started a claim against Lloyds in march, and received a settlement letter yesterday for £3500. I went all the way, but they are settling a month before the actual court date.

The way I see it, you have nothing to lose, and potentially a lot to gain. Give it a go!