Newspaper article about bank charges - Stroud area

[Gruffle Gaw]

I work as a reporter for a local newspaper based in Stroud, Gloucestershire. With the help of this site, I've reclaimed almost £2,000-worth of unlawful bank charges from Halifax. I really want to write an article about this for our paper to make more people aware that they can claim these fees back, which I think is the only way to stop the banks from continuing to impose them. However, it needs to have a local angle, so I want to do a case study of someone who lives in the Stroud district and has reclaimed their bank charges, or is trying to, and is happy to be named and photographed. If you fit the bill, please reply to this thread or send me a private message.

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[Gruffle Gaw]

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