Bank charges refunded

[candles47]

Hello, Ive been with Abbey Nat. for a number of years. I have paid several thousands of pounds in Bank Charges over the years due to unauthorised overdrafts and returned cheques, etc. Even when ive been in credit they still manage to bounce Direct Debits ie my mortgage, they tell me my balance which shows in statements (even from AGM machines) isnt actually my current balance????? Can anyone advise me. thanks

[barracad]

Can anybody advise you on what?

If you want to know how to claim your charges back you need to spend a couple of days having a thorough read through the FAQs - There is a lot of info in there including a step-by-step guide. Also have a browse round the forums you will pick up a lot of advice.

Good luck.

[gordonhall]

barracad is right. Have a good read around, especially the FAQs, but just the general forums as well. But in essence, all your charges can be reclaimed.

Once you've got to grips with how the site runs, then everyone will help you along the way with any of the finer details.

Cheers

[NeilP]

Quite often the balance on your statement is not the balance available as there may be cheques waiting to clear into your account.

It also seems to me that any Standing Orders or Direct Debits leave your account first, and then any funds due to clear that day clear later on - something else to bear in mind.

[candles47]

thanks for your replies. ive only registered here today so am a novice. Ive read lots and its been a g8t help. Apparently i can claim back all bank charges yipeeee. So i guess my best way forward is to write to Abbey requesting a refund. Will let you know how i get on. Thanks again.

[Janet-M]

Hi and Welcome
as others have already said it is very important to spend a few days reading the FAQ's and around the forum.This is so you get a clear understanding of what you are undertaking.If you have any questions use the search facility where you will find most have already been answered.If you have a question that hasn't already been answered then post it in this thread along with any updates to your claim.

[gordonhall]

When I first joined, probably like many, I was amazed that this was possible. However, I was terrified of the thought of having to go to small claims court should it go all the way.

Now, 6 weeks later and countless hours reading around the site, I'm more than willing to go to court and fight my corner.

Its great how much help is provided in this site, but even more than that, after a while, you just get sick of the fact that these banks (and other businesses) are shafting us senseless, and that its about time we stood up to them.

I've now got a completely different mentality to the one I used to have. Well done to everyone on CAG.

[candles47]

hello - Ive read around the forums and FAQs, alot of food for thought but extremely informative and helpful. Organised and typed up my Data Protection Act letter and requesting list of transactions/charges for 6 yrs. the show begins.

[Jane Austen]

Good luck.

We're all here to help if you need us.

[candles47]

Hello all; as prev mentioned sent letter re Data Protection Act request accompanied by £10 to have list of or statements of charges applied to my account over 6 years. Two letters arrived from Abbey today:
"under a Data Protection Act Request you will only receive the transactions that are currently held on our systems. Any earlier trans. have been archived onto microfiche which is not covered by Data Protection Act. .... these transactions will not therefore be supplied to you under DAP and not subject to 40 day ruling. We are unable to supply a list of charges applied to ur account for the last 6 yrs because we do not store this information separately from other transactional data. We can ... supply details of the transactions held on the microfiche on payment of an admin fee ie £5 per A/c for 1 monthly statement - £10 per account for multiple monthly statements. In relation to manual transactions - not all interventions are recorded ... ie some interventions may relate to work carried out by a dept rather than individuals where no central record of activity is kept" blah blah blah

What am understanding from all that is I will receive the transactions currently held on their systems. For Microfiche data not covered by Data Protection Act i will be charged as outlined above and is not subject to a 40 day ruling. And in relation to manual intervention they dont keep records.

Any one advise me on the next step,, its a joke.

[MARTIN3030]

Typical Abbey staling again.

This is a tactic they have used time and time again.
They DO have a requirement under the Data Protection Act to let you have information that is inteligible.
They cannot charge you more than 10.00 to supply this so dont have non of it.

If they dont supply within the 40 days they are in breach.

There are other cases which have had the same response.
Have a look at some of the Abbey threads.

[MARTIN3030]

Actually heres a better idea.

Alan from Derby covered this nicely and will answer your question by reading this

http://www.consumeractiongroup.co.uk...-argument.html

[candles47]

Martin many thanks will download ur letter and send on will let u know what happens

[MARTIN3030]

Originally Posted by candles47

Martin many thanks will download ur letter and send on will let u know what happens

Not my letter..........Alans ......a guy with a wealth of experience.

Should do the trick nicely.

[candles47]

Hello Martin Got Alans letter downloaded and it will be winging its way 1st class recorded delivery tomorrow. Will follow up when i get a reply. Cheers

[candles47]

Received bank statements from Abbey today from June 05 to June 06 charges then amount to £1,875.38. Managed to hoke about upstairs and found more statements from Dec 04 to April 05. Total of charges applied to account so far are £2,807.38. Ive wrote of again today re microfiche argument sent it 1st class recorded delivery and letting them know they have 25 days left to comply or ELSE.