very confused

[willett]

hi there
i am just starting out with claiming back bank charges that have been taken out of my account over the year and a half. I have read all paper work on how to claim it back but am very confused on where to stat and how to go about it all. I would appreciate it if there is anybody who knows where to start to help me along the way.
Yours Very Hopefull willett.

[121o121]

Hi Willett and welcome to the club!

Which bank are you claiming against? Unfortunately its not quite as simple as "give me my money back" you need to know the exact amounts and dates etc. Do you have this information to hand (ie. internet banking or statements)?

Its best to have a good look through the FAQs first, to familiarise yourself with the process. Also read some "victory" threads under your banks forum to understand you likely process. The threads are a good source of encouragement too.

[willett]

hi ther thanks for your reply. I am with alliance and leicster.
I have gone through all my bank statements and have a rough idea of how much it is, still going through them. I know this may sound stupid but im 42 and never had to deal with anything like this before my ex husband used to do all this kind of thing for me. Il be honest with you its very scary. I do hope you can help me it would be very much appreciated.

[121o121]

I think everyones a little nervous when they start the claim process, but theres no need to be.

You can claim back up to 6 years. So like I said earlier, you need to know details of the charges you are claiming back. (Eg. On the 23rd June 2002 charged £30.00 for an unpaid direct debit). The charges you can claim for are, unpaid direct debit, unpaid standing order, unpaid cheque and overdraft excess fee. Account fees are non-claimable and also overdraft interest can be a tricky one to work out.

Depending on whether you know this information, depends on the next stage. If you don't know all your charges then you need to ask the bank to send them to you. If you do know them you can start writing the letters out.

Have a good rummage through you banks forum and the FAQs for help.

http://www.consumeractiongroup.co.uk...nce-leicester/
http://www.consumeractiongroup.co.uk...se-read-these/

Most people tend to have a good read through before starting to familiarise themselves with the process.

[willett]

hi there we have got all our statements for the last year and a half which was when we opened the account. So we know how much charges have been taken out of the account to date. where do we go from here:o . By the way could we also claim for charges from another bank at the same time as we have an account with the Yorkshire bank, we have been with them for the last four years. Also i cant find the scales in the top right hand corner, to let you know you are being very helpfull so far and you have made me feel a little better about how to go about it all thanks so much:o .

[Michael Browne]

Read these;
http://www.consumeractiongroup.co.uk...ad.php?t=31460

[willett]

hi there
got as far as knowing how much the bank charges comes to, but stuck on where to go to for the spreadsheets can you help me please.
thanks willett.

[Mumofthreeboys]

They are here http://www.consumeractiongroup.co.uk...eadsheets.html

[emmaf01]

Hi Willet!
Don't worry- we're all in the same boat here!
I've just done my first (nationwide) and got all my charges refunded, so you can do it!
I'm now waiting for all my info back from A&L, so if you need any help/support, you're in the right forum. You will not find a nicer bunch of folks.
Anyway, keep posting and everyone will keep helping- if you get stuck, re-read the step by step instructions and don't be afraid to ask for help.

[willett]

hi ther
me again i found the spreadsheets after searching a whole day but not sure how to do it. i started one and printed it of but it wasn't right could you possibly guide me on how to do a spreadsheet sorry for being a nuissance.

[Mumofthreeboys]

Originally Posted by willett

hi ther
me again i found the spreadsheets after searching a whole day but not sure how to do it. i started one and printed it of but it wasn't right could you possibly guide me on how to do a spreadsheet sorry for being a nuissance.

A whole day? Did you not see the link I posted above?

All you need to do with the spreadsheet is enter your details as they appear on your statements, the rest is done for you. If you use the advanced spreadsheet it will work out your 8% interest too.

[willett]

sorry dont know how i missed that. been on and started my spreadsheet not sure wether it is right or not, but could'nt get it to total up what am i doing wrong now.

[Mumofthreeboys]

Originally Posted by willett

sorry dont know how i missed that. been on and started my spreadsheet not sure wether it is right or not, but could'nt get it to total up what am i doing wrong now.

I really have no idea, you'll have to give me some more details - which spreadsheet are you using? It should add it up automatically.

[willett]

hi ther
You must be sick of me already. The spreadsheets is google, doc & spreadsheets. Hope you can help.

[Mumofthreeboys]

Of course I'm not sick of you. Why don't you try the link I gave you earlier. Vampiress' spreadsheets may be easier.

[willett]

hi there
Just to let you know i think i know why i cant do the spreadsheets a friend told me that i need micro excell office on my computer which i dont have my partner is trying to get it for me so hopefully we can get started again but thank you so much for all the help you have given me so far. I will let you know how im getting on.

[willett]

just to let you know iv finally done a spredsheet hip hip hooray bout time aswell, its took me long enough. thank you so much again for all your help you've been a great help. I have also done the preliminary approach letter, is this all i need to send of to my bank now or do i need anything else. thanks again.

[Mumofthreeboys]

No, just the preliminary letter and the spreadsheet. Get it in the post and make sure to get proof of posting xxx

[willett]

I have posted my letter today by registered post, do i allow more time due to christmas or should i just allow the 14 days as normal and then send of the letter before action. thanks.

[Michael Browne]

Do i allow more time due to christmas

Up to you, do the banks stop charging interest at Christmas?