Just requested my statements

[shelly_grogan]

Hi Everyone
i'm really nervous, just sent my letter and cheque asking for all statements from the past 6 years! But i'm really worried it will go to court!!! What are the chances they will just pay up?

[bluecloud]

To be completely honest, you will probably end up going to some sort of court. Before you panic though, this will only be to file a claim. The banks are unwilling to make a court appearance as they will have to reveal the true nature and composition of bank charges.

In the meantime, keep following the forum, stick to your timetable and never lose faith.

Thousands of people have succesfully reclaimed millions of pounds. It's your turn to join that rapidly expanding club. I was successful so I know it's possible.


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	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.

[bearo]

You always need to be aware that this may end up in court, it is not some sort of game to play, unless you know exactly what the outcome may be, at the moment nobody has stepped foot inside a court room and got the banks to disclose the true costs of their bank charges but who is to say that will never happen?
You need to be under the understanding that you may be that one person who brings a bank all the way to a court room, chances are of course this may not happen but there is also that chance however slim that it may!

	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.

[shelly_grogan]

Hi everyone

just wondered if you could help, i know the advice guide say open a new account? has any had to do this? did they close your accounts down? i'm a but worried you see because i am in the red (in my overdraft) and wonder if another would actually offer me a new account please help

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.