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Original poster

How is everyone getting on claiming back their bank charges??

279 replies

Biglips · 19/03/2007 10:42

as im going to my bank today to get a couple of statements from 4 years ago (when we moved into this house and our money was all over the place!)

anyway..ive came across a few websites for you to have a look

  1. comsumer action group

  2. money saving experts

  3. reclaim unfair charges

OP posts:
Original poster
Biglips · 10/04/2007 08:42

it been a week now

OP posts:
MellowMa · 10/04/2007 08:46

Message withdrawn

TwirlyN · 10/04/2007 08:51

mellowma do you have any experience with getting your money back, at what i am thinking should be the end?! I filled a warrant on 3/4/07. I spoke to their solicitor after i filled judgement, asking for my money, them claimed they hadn't received the papers from the court, she was going to call them, then call me the following day. She didn't, so i filled a warrant. my question, if you can help is what next? how long should it take for the bailiffs to get my money? Is there anything else I can do? It's LTSB I'm dealing with.

MellowMa · 10/04/2007 09:13

Message withdrawn

Moomin · 10/04/2007 09:17

OK ta. In my initial claims I added the interest on which I'd worked out using the calculator on MSE.com - is that the 8% you mentioned or something different? In any case I have the figures with and without interest for my phone call. So court costs will be about £130 then?

I'll ring them in a bit and report back. Thanks for support.

Moomin · 10/04/2007 09:19

and, yes, email contact would be useful in case phone call goes tits up!

MellowMa · 10/04/2007 09:20

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TwirlyN · 10/04/2007 09:28

Both judgement and warrant just show up as issued, then saying they have been delivered. I don't know that they would be acknowledged. If you do have the time, yes please i would be grateful if you could post for me. I have been trawling different sites, but haven't found anything useful yet. Thanks for your help.

MellowMa · 10/04/2007 09:30

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MellowMa · 10/04/2007 09:36

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madamez · 10/04/2007 09:38

It's my understanding that even those of us who go overdrawn a lot (freelances who get told the cheque is in the post when it isn't, for example) are entitled to claim back charges as it's not the right of the banks to charge that's the issue, it's the amount. IE they're not allowed to charge more than their costs, they mustn't profiteer out of customers' fincanical difficulties and they mustn't impose punitive charges.

So I'm claiming back about £5K from natwest, who sent statements within roughly 28 days - have sent first letter (from WHich website template) asking for the money back. They've got another 7 days or so to reply.

MellowMa · 10/04/2007 09:41

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TwirlyN · 10/04/2007 09:48

Thank you ever so much mellowma. I'll keep an eye on it.

LadyOfTheFlowers · 10/04/2007 09:53

thanks mellowma!

Debbsyandson · 10/04/2007 10:04

after reading this im going to claim i think

MellowMa · 10/04/2007 10:10

Message withdrawn

Original poster
Biglips · 10/04/2007 10:38

DO IT! DO IT! DO IT! DO IT!

OP posts:
Debbsyandson · 10/04/2007 10:38

thanks for this just requested statements

MellowMa · 10/04/2007 11:25

Message withdrawn

Debbsyandson · 10/04/2007 11:26

thanks

MellowMa · 10/04/2007 14:11

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Trix11 · 10/04/2007 16:14

Mellowma, Ive listed all my charges now, I had sent a letter requesting my money back and have not heard from Abbey, what letter do I send now and what do I say about the difference in what Im claiming (a grand more)?

Thank for your advise you are very helpful.

MellowMa · 10/04/2007 16:18

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MellowMa · 10/04/2007 16:24

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Trix11 · 10/04/2007 16:25

Thanks Mellow, Ive done the letter (thanks for the link) it looks reall serious and formal. Will they respond within 14 days. I just know that I would be the person that the bank decides to go to court to fight it out - how scary