Ren
Member
Registered: 16th Oct 04
User status: Offline
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Where can one obtain this letter  im due about 2k  ....no really 
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Dee
Banned
Registered: 19th Sep 01
User status: Offline
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quote:
Originally posted by StuartA3Turbo
lloyds refused my sisters request. The letter said the charges were fully justified and would not be refunding any charges.
Lloyds will now be feeling confident since they won their battle in court, I still think with half a brain you could beat them in court though.
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kz
Member
Registered: 9th Aug 02
Location: Southend, Essex Drives: Mini Cooper S
User status: Offline
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ive never gone over my overdraft by more than a couple of quid... and HSBC protect £10 over, so im too good and am not owed any money!
doh! might go over from now on and ask for it back when i need some money in a few years
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Seany
Member
Registered: 13th Dec 06
Location: Dunfermline, Fife : Drives Astra cdti Sri
User status: Offline
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got my letter 2day saying halifax are looking into my charges and there going to send a letter in the next week with how much there due me, im suspectng its around1.5-2k. cnt wait itl be goin in the new car fund, and a few bevvies,
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SAL
Premium Member
Registered: 19th Dec 05
Location: Radlett, Hertfordshire
User status: Offline
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do i just write to natwest and say "you owe me £££ in charges i didnt mean to accire ?
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Seany
Member
Registered: 13th Dec 06
Location: Dunfermline, Fife : Drives Astra cdti Sri
User status: Offline
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just send a letter and ask for a statment of all yur charges over the last 6 years within the next 40 days (legal amount f time allowed) and say if they dont they will be hearng from your lawyer/solicitor. 
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SAL
Premium Member
Registered: 19th Dec 05
Location: Radlett, Hertfordshire
User status: Offline
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sweet, will be doing that ! they owe my shit loads, every time i get charged its for being about 20p OD  and they skank me £30  cunts
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Aaron
Member
Registered: 9th Aug 04
Location: Cottingham, East Riding
User status: Offline
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TBH i can't understand how people get into this sort of trouble with money in the first place*
*Yes, i know it isnt ALWAYS the persons fault sometimes.
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AndyKent
Member
Registered: 3rd Sep 05
User status: Offline
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I agree Aj.
I agree with the charges for the most part.....they're all laid out when you open the account so they illegal? You agreed to it TBH.
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ali-corsa
Member
Registered: 21st Jan 07
Location: Tamworth
User status: Offline
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i dont get this lol, how do you find out if i get charged or anything
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Matt H
Member
Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
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Link to this letter?
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Dee
Banned
Registered: 19th Sep 01
User status: Offline
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Do a search on BBC website for the standard letter.
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paul.mitchell1984
Member
Registered: 31st Aug 06
Location: Wakefield
User status: Offline
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i did same though i had about 8-900 and got 2k lol safe to say i had one hell of a time in portugal
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ali-corsa
Member
Registered: 21st Jan 07
Location: Tamworth
User status: Offline
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can anyone explain to me how this works and what type of an accout do i have to have to qualify for this
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SAL
Premium Member
Registered: 19th Dec 05
Location: Radlett, Hertfordshire
User status: Offline
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http://www.bankcharges.info/
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SAL
Premium Member
Registered: 19th Dec 05
Location: Radlett, Hertfordshire
User status: Offline
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[FOR USE WHERE PAYMENT HAS BEEN DECLINED]
[YOUR NAME]
[YOUR ADDRESS]
[DATE]
[BANK’S NAME]
[BANK’S HEAD OFFICE ADDRESS]
Dear Sir/Madam
Penalty & unfair charges – request for refund for [YOUR NAME, SORT CODE, and ACCOUNT NUMBER].
[INSERT DETAILS of how charges were applied i.e. how much was charged, and the how this came about].
0n 5 April 2006 the Office of Fair Trading (OFT) announced that default charges which are set at more than £12 will be presumed to be unfair and unenforceable in terms of the Unfair Terms in Consumer Contracts Regulations 1999 (SI. 1999/2083). Charges above this sum will be subject to legal action by the OFT (press release 68/06 – online here: http://www.oft.gov.uk/News/Press+releases/2006/68-06.htm).
The OFT stated that a charge is not fair simply because it is below this sum, and I believe that a reasonable charge would be 50 pence for the reasons set out below. Please refund my charges as a matter of urgency.
I would respectfully submit that if your organisation does not agree to immediately refund all unfair charges applied to my account, it will not meet the ‘fit and proper person’ test to hold a consumer credit licence under the Consumer Credit Act 1974. In that eventuality, I will submit a 1974 Act complaint to the OFT.
Separately, I am of the view that your charges represent a penalty and are therefore irrecoverable at common law. In the Scottish case of Castaneda and Others v. Clydebank Engineering and Shipbuilding Co., Ltd. (1904) 12 SLT 498 the House of Lords held that a contractual party can only recover damages for actual or liquidated losses incurred from a breach of contract. This is also the position in English law: Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor Co Ltd [1915] AC 79.
Your charges do not reflect any actual loss, instead they appear to represent a lucrative profit-making scheme. In particular, charges were applied after I entered into a transaction(s) without sufficient funds in my account. However, payment was declined by you, and therefore, actual loss is the cost of automatically sending me a computer generated letter. I would respectfully submit that is valued at no more than 50 pence.
UK banks have recently given evidence to the House of Commons Treasury Committee on how bank charges are calculated: "The costs are going to pay for all the people we have who pursue debt, collect debt, speak to customers and chase payments. The way these charges are arrived at is by taking these total costs and making some assumptions about the volume that is going to come through to arrive at the individual charges" (2nd report, 25 January 2005, paragraph 50 – online here: http://www.parliament.the-stationery-office.co.uk/pa/cm200405/cmselect/cmtreasy/274/27405.htm).
Accordingly, the charges applied to my account are not a reasonable pre-estimate of the bank’s loss in relation to my account. No-one has had to look at my account or telephone me. No one has had to collect anything. Your charges would appear to represent a device to recover global losses (for example, loan defaulters, bad debt write off, including commercial lending in, and outwith, the UK).
Please refund all charges applied to my account within the next 7 days. I reserve the right to commence court proceedings without any further notice, and to seek an additional award for distress and inconvenience, together with legal expenses.
Yours faithfully
(signed)
stavs x x x 
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Ren
Member
Registered: 16th Oct 04
User status: Offline
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Love you xx
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Matt H
Member
Registered: 11th Sep 01
Location: South Yorkshire
User status: Offline
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Ollie, did you send in a letter asking for all your statements first?
It says you have to pay £10 by
cheque, need to know who to send it payable to
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p16vnk
Member
Registered: 10th Dec 06
Location: Kent
User status: Offline
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well done for getting your charges back i sent my letter back monday asking for about the same amount as you, with hsbc hopefully i get mine back. website i used
http://www.moneysavingexpert.com/reclaim/bank-charges it has step by step instructions including sample letters
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Rob H
Member
Registered: 28th Oct 00
Location: Staffordshire Drives: Astra SRi
User status: Offline
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quote:
Originally posted by Dee
360 is high on prioritys indeed, I will have the money in 14 days from when they recieve comfirmation of me accepting their offer
What will selling the Corsa as well, I'm well in the money at the moment.
Miltek & Bluefin on the VXR
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Dione J
Member
Registered: 22nd Sep 04
Location: West Midlands Drives: Leon Cupra Turbo
User status: Offline
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Will definetly be adding this to my "to-do" list.
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Seany
Member
Registered: 13th Dec 06
Location: Dunfermline, Fife : Drives Astra cdti Sri
User status: Offline
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quote:
Originally posted by Matt H
Ollie, did you send in a letter asking for all your statements first?
It says you have to pay £10 by
cheque, need to know who to send it payable to
i didnt send the £10 u usually dont have to.
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and-m
Member
Registered: 5th May 02
Location: Liverpool. Drives. Skud vRS.
User status: Offline
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quote:
Originally posted by corsa_tomtom
i have one charge of £30 in 1.5 years. not worth even writing to the banks
Its £30 whatever way you look at it. Ive sent a letter off for reclaiming MY £25 back 
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--Dave--
Banned
Registered: 17th Feb 04
Location: Essssseeeeex Drives: Black Supra TT
User status: Offline
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i reckon I'm owed quite a bit
I estimate around £1200. Deposit on a flat 
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dazavich
Member
Registered: 27th Sep 06
Location: Greenock, Inverclyde
User status: Offline
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I have a letter that i have used and sent to friends and family and we all have got our charges back with it so i'm guessing it's pretty good.
I got £400 back, bro got £2700 etc
I'll send it to whoever wants it, send me your email address and i'll send it, only have it saved on my work computer so can only do it up until 5pm or on Monday
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