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Author Bank Charges...
Ally
Member

Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
14th Feb 07 at 08:10   View User's Profile U2U Member Reply With Quote

I sent a letter off to my bank after reading online that you can claim charges back.

I looked back over my account and totalled the charges up to be approx 280

I recieved a letter back from my bank saying that they arent prepaired to refund the total, but will refund me 150 of it - however they state rather bluntly that by doing this they arent admitting liability, or agreeing with what i put in my letter

Do i return the slip and get the 150, or go and try and claim everything?

Ally
Member

Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
14th Feb 07 at 08:11   View User's Profile U2U Member Reply With Quote

PS bit of info here

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,
eddiewhiteley
Member

Registered: 10th Mar 05
Location: down in albion
User status: Offline
14th Feb 07 at 08:11   View User's Profile U2U Member Reply With Quote

id take the 150, ive heard of banks being right pain in the arses over this kind of thing,forcing people to move banks etc
Ally
Member

Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
14th Feb 07 at 08:16   View User's Profile U2U Member Reply With Quote

Ive already applied for an account with Lloyds as i want to move anywho, just 150 is pretty much half of what it totals i dunnoooo

[Edited on 14-02-2007 by Ally]
bubble
Member

Registered: 24th Jan 04
Location: Darwin, NT Australia.
User status: Offline
14th Feb 07 at 08:26   View User's Profile U2U Member Reply With Quote

is there any companys who can retrieve the charges for you?
Ally
Member

Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
14th Feb 07 at 08:33   View User's Profile U2U Member Reply With Quote

You can go via small claims court, which is 30 for a claim under 300

The tone of the letter was abit annoying tbh, like, heres 150 but by giving you this we arent agreeing to anything in your letter and not admitting liability
Ally
Member

Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
14th Feb 07 at 08:37   View User's Profile U2U Member Reply With Quote

and says, when you opened account you were given a copy of the terms and conditions of your account blah blah

... but in my letter i used a template that talks about the T&C stating that they would act lawfully or somthing or other so i just feel like im battling with them all the time

Im just annoyed tbh, they keep sending me letters asking me to apply for overdraft/credit cards etc so i applied for a 50 overdraft and was refused (why - i do not know, i have a mortgage and a credit card ffs ) so i wrote to them telling them i had applied and been refused, and they send me a letter saying i should apply for an overdraft... wtf

I hate the Woolwich.
Jambo
Member

Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
14th Feb 07 at 09:59   View User's Profile U2U Member Reply With Quote

ive been thinking of doing this could use some extra cash
Nath
Member

Registered: 3rd Apr 02
Location: MK
User status: Offline
14th Feb 07 at 10:09   View User's Profile U2U Member Reply With Quote

I might do this soon. They can't refuse you either, thats why the try offering less than what they charged you. Mate of mine works for Natwest and she is always getting customers coming in claiming charges back. It was illegal for them to charge you in the first place. All the charges are changing soon, there is going to be an agreed fee of something like 12 for everything.

[Edited on 14-02-2007 by Nath]
Jamie Walby
Member

Registered: 15th Nov 04
User status: Offline
14th Feb 07 at 10:38   View User's Profile U2U Member Reply With Quote

FFS
Brett
Premium Member

Avatar

Registered: 16th Dec 02
Location: Manchester
User status: Offline
14th Feb 07 at 11:05   View Garage View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Jamie Walby
FFS
Cosmo
Member

Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
14th Feb 07 at 11:07   View User's Profile U2U Member Reply With Quote

write back with a counter offer or threaten to go to small claims to get the whole amount, say 220 or around that.
Carl
Member

Registered: 9th May 04
Location: Jimmy Bennett's la la land.
User status: Offline
14th Feb 07 at 11:17   View User's Profile U2U Member Reply With Quote

read moneysavingexpert, you can get all your money back, some banks are really arsy about it and will wait for the day before you are due to do to court to pay up, they never go to court though as the banks can't justify the amount they charge for fines.
MatthewR
Member

Registered: 21st Oct 02
Location: Rickmansworth
User status: Offline
14th Feb 07 at 11:29   View User's Profile U2U Member Reply With Quote

Who did you title the letter to?
mk4_astra
Member

Registered: 15th Oct 03
Location: aylesbury,bucks
User status: Offline
14th Feb 07 at 11:32   View User's Profile U2U Member Reply With Quote

remember hearing on the news about some girl who got a bank her and her friends were with to refund all there charges which was about 30,000. like nath said they mentioned the banks arent really allowed to charge and i believe there was a panorama programme on it all
Teddy
Member

Registered: 19th Jul 04
Location: Northampton Drives: VW Bora 1.9TDi pd130
User status: Offline
14th Feb 07 at 12:02   View User's Profile U2U Member Reply With Quote

You do know as well the bank can close your account for doing this.
Tom
Member

Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
14th Feb 07 at 12:12   View User's Profile U2U Member Reply With Quote

Worth the risk, I will open another account with another bank who will happily give me 100 for switching aswell.

Mine's over 2k so might be more risky in terms fo them closing the account but i'm not happy with them anyway which is what has driven me to asking for charges back....
Sara
Member

Registered: 19th Apr 06
Location: Whalley, Lancashire
User status: Offline
14th Feb 07 at 12:13   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Teddy
You do know as well the bank can close your account for doing this.


And what would be the grounds for doing this?
K2 GTi
Member

Registered: 21st Oct 04
User status: Offline
14th Feb 07 at 12:13   View User's Profile U2U Member Reply With Quote

im gonna do it to my natwest bank I closed tonight. I paid around 400-500 in charges.
Tom
Member

Registered: 3rd Apr 02
Location: Wirral, Merseyside
User status: Offline
14th Feb 07 at 12:17   View User's Profile U2U Member Reply With Quote

Can they legally do this?
K2 GTi
Member

Registered: 21st Oct 04
User status: Offline
14th Feb 07 at 12:20   View User's Profile U2U Member Reply With Quote

Hsbc closed my account for moaning about one 30 charge
Cosmo
Member

Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
14th Feb 07 at 12:27   View User's Profile U2U Member Reply With Quote

who cares if they close it, its them losing out on business, there are 100 other banks just as happy to take your custom!
Nath
Member

Registered: 3rd Apr 02
Location: MK
User status: Offline
14th Feb 07 at 12:30   View User's Profile U2U Member Reply With Quote

Switch to Halifax and get 100 credit.
Cosmo
Member

Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
14th Feb 07 at 12:31   View User's Profile U2U Member Reply With Quote

RBS are doing the same IIRC
Marc
Member

Registered: 11th Aug 02
Location: York
User status: Offline
14th Feb 07 at 12:33   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by K2 GTi
Hsbc closed my account for moaning about one 30 charge

HSBC are a set of cunts.

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