***Charges received back - SURVEY***

[Docubot]

I've been asked quite a few times how much money in total have been clawed back from the banks, well, I have knocked-up a little survey to find out:

http://www.consumeractiongroup.co.uk/survey.php

It's not finished yet, but I am struggling to find the time to finish it.

It's a bit buggy, so be patient with it (send me bugs if you find them (don't look for them!!!) at dave@bankactiongroup.co.u k - and I'll fix them when I can).

PS. If there's any PHP programmers out there that want to lend a hand, I probably wouldn't turn you away

PPS. There was one, but I forogt the username, please PM me if the offer of help still stands.

[Docubot]

bump

[bankoff]

Do you mean to tell me nobody has had any money from Lloyds yet?

They are after all one of the worst offenders! :o

[Spiceskull]

Dave - I know it's more work, but have you considered a survey to gauge the momentum of the campaign.

Basically, when approaching the bank for Data Protection Act details, did they counter with "are you going to ask for a refund," or "are you from that internet site?" type of thing.

I notice from posts that this is becoming more frequent...

[seylectric]

Nothing from RBS either - Gulp!

[Docubot]

Will do Spiceskull - after the forum upgrade.

[Seminole]

Originally Posted by seylectric

Nothing from RBS either - Gulp!

Remember that this campaign has been running at a very low level until now. When I joined the site 5-6 weeks ago it only had about 250 members. It's grown exponentially since but it's only now that my claims have to the point of issuing court claims. The banks will not, for the most part, refund these charges until they have no other choice than to pay up or go to court.

Give this another month and I suspect that you will find all the banks represented on that list and the amount of refunds will be much higher.

[queenjayne]

Love this survey, Dave.

I was wondering about the 'stage at which refund received' bit: should there maybe be an option for 'phone call'? I've seen instances on this site where it's suggested as the first move before starting on the letters.

I actually got £100 back from Capital One a year ago, by complaining on the phone - obviously, before I found out I could get back a lot more.

Also, and this is bordering on nitpicking, I know: how about an additional 'percentage of requested refund' or something? Or does everyone get it all?

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[dave]

If you hold out - you get it all.

[bram stoker]

Dave, is there any way to get this survey to have a total? Every time I print an updated sheet for work's kitchen noticeboard I have to manually add it up. Such an effort!!! Lol. But I'd hate one day to get it wrong - it's in the kitchen of a firm of accountants!

[dave]

Most people are not using it sadly, so it's not really a true reflection of the amount people are getting back.

However, I will add a total, but in the meantime you could cut and paste it into Excel and do a SUM.

[bram stoker]

Originally Posted by dave

Most people are not using it sadly, so it's not really a true reflection of the amount people are getting back.

That's a shame. I use it to try to get folks interested.

I'll do the excel thing, but I do like the info down the sides. I'll have a play tomorrow. Cheers.

[Lorraine]

Just had a look - Halifax seem to be the best - thats good for me.
But Lloyds - what a shocker.
I think the more people do this, the Banks will have to finally give in or change their charges (not likely) or go to court!!!

But keep the good work up.

[dave]

Ok, what joker put a negative value in for Virgin??

[Tinkerbelle]

Originally Posted by dave

Most people are not using it sadly, so it's not really a true reflection of the amount people are getting back.

The survey is hard to find. Maybe you could make it a sticky and place it right under FAQ's and highlight it just like the FAQ section is highlighted?

I think that may generate more "usage" ??

[Bookworm]

Originally Posted by dave

Ok, what joker put a negative value in for Virgin??

Well, what do you expect from someone who never goes all the way?

[dave]

Originally Posted by xxdiddiexx

The survey is hard to find. Maybe you could make it a sticky and place it right under FAQ's and highlight it just like the FAQ section is highlighted?

I think that may generate more "usage" ??

There is a link at the top of ALL forum pages that says:

Have you had your bank charges returned? Take our survey: here. | Worried in case you have to go to court? Join the 'buddy' system, here (beta).

Maybe, I should make it bigger?

	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.

[Tinkerbelle]

I think you should do something to make it stand out.

If i'm honest with you, I wasn't aware that it was on every page!

[Bovvered]

I would have to agree with that - those small text areas up top are easily missed - maybe a cell backround colour and larger bold text?

[bram stoker]

Originally Posted by dave

There is a link at the top of ALL forum pages that says:

Have you had your bank charges returned? Take our survey: here.

When I click here now I can't see the results.
Is there a button I'm not clicking?

	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.