Reclaim Your Bank And Card Charges

[Chimaera]

When I sent mine I sent the letter to the address on the statement, then waited for their reply and request for the £10 fee - I'll be replying this weekend!

[newguy]

I'm all set now to start sending that letter off this week folks. Thanks to you all for the advice and direction and I'll keep you posted.

Originally Posted by Chimaera

When I sent mine I sent the letter to the address on the statement, then waited for their reply and request for the £10 fee - I'll be replying this weekend!

[Shaun]

Newguy - there's no real point asking them not to apply them they'll jsut do it anyway. Ask for the DPA request (it'll take several weeks to come through probably) and then write to them with the full list.

Id make it payable to whoever the bank is on your statement, HBOS, Halifax or BOS.

As for the address - either the one on your statement or the one listed on their main page:

HBOS The Mound, Edinburgh EH1 1YZ

Good luck

[newguy]

Thanks again Shaun. I'll keep the tread updated as I progress.

Originally Posted by Shaun

Newguy - there's no real point asking them not to apply them they'll jsut do it anyway. Ask for the DPA request (it'll take several weeks to come through probably) and then write to them with the full list.

Id make it payable to whoever the bank is on your statement, HBOS, Halifax or BOS.

As for the address - either the one on your statement or the one listed on their main page:

HBOS The Mound, Edinburgh EH1 1YZ

Good luck

[info4u]

Yeah I have recently heard about this.
My bank have charged me £90 overdraft charges in the last 3 months (£30 each)

Apparently im entitled to 6yrs back, so im looking forward to my nice pay ;-)

Put it all in my savings account (which is different from my main account, or contribute towards a new car)

Any way, top and bottom is I have also heard that banks reserve the right to close peoples accounts down after they refund your charges.
When I spoke with Barclays they confirmed this is untrue, since it violates some law (couldnt recall which one) but I will be highlighting EVERY overdraft charge, infact I might do it now

[Solventcandy]

I am just about to start the process now, however i am a little confused, what is a SCHEDULE OF CHARGES.

Is it a spreadsheet with a list of them all on?

[Mr Angry]

Originally Posted by Solventcandy

I am just about to start the process now, however i am a little confused, what is a SCHEDULE OF CHARGES.

Is it a spreadsheet with a list of them all on?

More or less. It can be any form of list as long as it represents charges incurred and interest applied..

[Solventcandy]

thanks

one thing though

i haven't added any interest!!!!, i though you can only do this when you go to court?

[Mr Angry]

Originally Posted by Solventcandy

thanks

one thing though

i haven't added any interest!!!!, i though you can only do this when you go to court?

No, you can calculate it to form part of your initial claim and stipulate the part thereof comprised of interest when completing your N1 form.

[yesman]

I noticed an ad in one of todays papers about this, it was one of those "No Win, No Fee" type ads, talk about jumping on the bandwagon

We will stick with Mr Angry thanks very much

[Solventcandy]

ok cheers

[yesman]

This might be worth a read, but I am sure most of the information given is in this thread somewhere

[handyman]

One for Mr A

Went for £252 with Barclay card and £140 from I**a store card.

Barclaycard have offered the difference between what they charged and £12.00 on each charge which is £96.

I**a (name hidden as condition of acceptance is non disclosure) have corrected us and said we have been charged £244 and are offering £122 (50%) as a good will gesture.

Barclay card seem to be taking the mick but the the other one seems to be playing ball. Should I take it further with both?

[SMHarman]

I'm not great at crossword puzzles, but come on even I could assemble that name, maybe with some assistance from pictorial instructions and an allen key

[Mr Angry]

Originally Posted by handyman

One for Mr A

Went for £252 with Barclay card and £140 from I**a store card.

Barclaycard have offered the difference between what they charged and £12.00 on each charge which is £96.

I**a (name hidden as condition of acceptance is non disclosure) have corrected us and said we have been charged £244 and are offering £122 (50%) as a good will gesture.

Barclay card seem to be taking the mick but the the other one seems to be playing ball. Should I take it further with both?

My advice is yes - go the whole hog. Your argument with Barclaycard is done & dusted in that they are proposing to levy the suggested OFT threshold charge of £12.00 in respect of each default. On the basis that their logic is founded on the OFT recommendation then simply write back to them advising them that you also have read the OFT recommendation and in particular Mr Fingleton's "Notes", point 4 wherein he states "The OFT is not proposing that default fees should be equivalent to the threshold, and a court will certainly not consider that a default fee is fair just because it is below the threshold."

Invite Barclay card not to waste your time, nor indeed their time and resources, in playing "chicken" and advise them that you are quite prepared to go the county court route to recover the monies owed. It is also probably worthwhile your letting them know that as far as you are aware there is nothing in the way of a precedent having been set by them in respect of their having successfully defended their charge structures in court.

As for I**a you have two options.

1. Treat them the same as Barclay card.

2. Write to them (in crayon, using the hand you normally don't write with) advising them that you are an adult with a weekend alcohol dependancy who is in the habit of buying Swan Vesta matches as and when the notion might take you.

Good luck with both.

OB - check your emails, bitch!