Reclaim Your Bank And Card Charges

[lostandconfused]

i did wonder weather i should sign it when it came through the post, but as soon as i get that money into my account, im off to another bank anyway.
Anther bank wouldnt be able to use that against me would they?

[Mr Angry]

Originally Posted by lostandconfused

i did wonder weather i should sign it when it came through the post, but as soon as i get that money into my account, im off to another bank anyway.
Anther bank wouldnt be able to use that against me would they?

No, certainly not. However, given the current state of panic in the banking world over this many are changing the wording of their service agreements so you may encounter a similarly worded caveat in any new banking agreement which you enter into.

[arcamalpha2004]

Originally Posted by Mr Angry

I'm afraid it was a big mistake on your part agreeing to that.

Which is why the guy who started this whole thing rolling advises people to take out a new account first, then put the claim in.
As for agreeing that they ( the bank ) were not in the wrong, ( who can decide this now? )

[Mr Angry]

Originally Posted by arcamalpha2004

Which is why the guy who started this whole thing rolling advises people to take out a new account first, then put the claim in.
As for agreeing that they ( the bank ) were not in the wrong, ( who can decide this now? )

The advice to open new accounts prior to claiming was to have a safety net if the respondent elected to close the claimant's account in the event of a successful claim for refund. The "future charges at the newly reduced rate" clause only became a tactic on the part of the banks after the April 6th OFT report.

[arcamalpha2004]

Originally Posted by Mr Angry

The advice to open new accounts prior to claiming was to have a safety net if the respondent elected to close the claimant's account in the event of a successful claim for refund. The "future charges at the newly reduced rate" clause only became a tactic on the part of the banks after the April 6th OFT report.

Thanks

[Mr Angry]

Welcome

[golf dave]

Thank you for the article on reclaiming Bank Charges I redeemed £400

[handyman]

Well done :-)

Going for another batch myself shortly.

[Taf]

I'm doing the paperwork for a neighbour at the moment...

[lostandconfused]

just a quick update, had the money mentioned in previous post transferred into my account today!

[foreverwar]

Originally Posted by lostandconfused

just a quick update, had the money mentioned in previous post transferred into my account today!

Congratulations l&c

[Stephen]

My bank have just charged me a total of £60 for going overdrawn for a total of 2 days by about £5.

I am sure over the last few years LloydsTSB have had a lot of money off me. I really should look through and work out how much exactly it is and write to them.

[lostandconfused]

Originally Posted by DarthYoda

My bank have just charged me a total of £60 for going overdrawn for a total of 2 days by about £5.

I am sure over the last few years LloydsTSB have had a lot of money off me. I really should look through and work out how much exactly it is and write to them.

its 100% worth it

[luckybleeder]

Shabby decided to only refund part of my charges as a "Gesture Of Good Will" so i went to the FOS. They settled 100% after a few Months but tried to close my account so that i couldn't get at my money. The FOS threatened them with legal action and i now have paid off my overdraft and £1,225.90p to spend

I was thinking of buying a Ford Capri but then i realised i can't drive

Seriously, try the FOS before you part with any money for court action. People say that they're a toothless tiger but they came up trumps for me

[golf dave]

To luckybleeder i had already settled for the £400 still i know next time