Consumer Action Group envelope labels
You are part of a community of over 195,000 people. Let your bank know that you won't give in. Display one of our labels on your envelopes. Full description here
Sheet of 20 self-adhesive envelope labels £3.50 inc p&p
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Do your Internet search here Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
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NW11 7PE
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Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  |
9th April 2006, 01:57
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#1 (permalink)
| | Classic Account Customer | :D Want to get started ASAP :D Hello all.
Please can people give me a step by step on what i do. I have been with the bank for near on 20 years now. I am soo glad i came across this site tonight i can't wait to get started. Main reason being the bank have taken the micky for soo long not just out of me but also my girlfriend and i reckon indivdually it works out for 6 years worth around 2 to 4 grand each. Yes i know people say your fault this and that but yes it is true but still i have always felt these charges just killed us from one month to the next and the only time we ever got out of it was to take a loan out to pay of the charges we were getting every month to stop the rot. I am really am going through this website best i can but i want to start asap on this and want to get that letter sent off, but need to know where to start exactly. Couple of questions also is 1, can i deliver these letter directly to the bank in person and also does it matter if it is my home branch or not? 2, can you claim back for all charges even if it was say a cheque for £100 that got paid and made you go over or is it just the ones less than what the actual charge was i.e £30. P.S can't wait to get started and hopefully get around 3 to 6 grand or maybe more back  and also start telling everyone about this  cheers for the advice in advance.
Last edited by ppauls150; 21st December 2006 at 19:03.
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27th April 2006, 00:42
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#6 (permalink)
| | Classic Account Customer | Re: :D Want to get started ASAP :D Ok not too happy with whats happening with this claim but hope i got things going today  almost 2 weeks ago sent letters to the bank recorded delievery and out of 10 letters sent to various companies which 8 of them were received by them the next day the only two that still havent been received are the LloydsTSB ones. Spoke to Royal Mail they said can take up to 3 weeks for them to get em even though the other 8 got them the following day. Ended up printing out the Data Protection Act again and physically taking them down to the Branch. Walked into the branch went to the cashier and asked to see someone in Private regarding a Private matter. They asked what it was about i said it is private and dont want to discuss it at the counter. She ended up being a pain if i didnt tell her exactely what it was regarding then she couldnt get the right person out to see us. So told her to anyone in charge will do.
Anyway after a long convo with her she got someone out and we went into the back. He asked us what we wanted with these so told him all about it and his reply basically was the bank has to make a profit and even though yes it is a machine that sends these letters out that they charge you for, it does cost money to pay people to write the programs for these computers and to buy the computers and so forth lol.
He also went on to say that they tell us that they are going to charge us this ammount also so it is not as if they hide the fact lol. Ontop of that aswell he also said we shouldn't listen to everything we see in the newspapers or what we read on the internet Lmao.
Thought aint going to get into a debate with him about it lol. He then also asked me what did the Manual Intervension mean in the letter, so told him the people who actually deal with the letter will know  and also under the Data Protection Act which says you cant be charged more than a tenner for your statements that the bank can actually charge you more cause it is a lot of statements that we need (6 years worth) so told him no but he said yes they can. So said well if thats the case then so be it and if they want to save time dont bother giving us the statements just the charges will do  He said it might take a while so told him thats alright you got 40 days so that should give you enough time
Last but not least he said they will debit the account for the tenners for the Data Protection Act i said thats alright would rather give you the cheques with them just incase they decide when they get the letters to send us letters saying they cant process our claims without the cheques just cause you tell us that it will be debited and would rather not take the chance on that happening to which he gave us the look of :S (dont be so silly) lol so i said you never know 
Last edited by ppauls150; 27th April 2006 at 00:47.
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29th April 2006, 11:05
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#7 (permalink)
| | Classic Account Customer | :D Soon Pulled His Socks Up :D Quote: |
Originally Posted by ppauls150 Ok not too happy with whats happening with this claim but hope i got things going today almost 2 weeks ago sent letters to the bank recorded delievery and out of 10 letters sent to various companies which 8 of them were received by them the next day the only two that still havent been received are the LloydsTSB ones. | Post arrives this morning  both mine and the Girlfriends statements and reports on our account arrive. One Problem is obviously dont know what i am looking at on the reports and the statements they have sent through only go up to 2001 and then the rest are just actual bank charge reports as opposed to statements for the other 4 years but that is not a problem as we can view our statements online for that period anyway and we really don't need statements just the charges. One thing that got me on my statement is that it says 07-oct-04 customer came in concerned we appear to have charged him some £400 over the last 3 months. I have empathised with him and confirmed that we do not wish to levy these level of charges at all :S. We spoke about how to avoid charges controlling acc better etc.... Still not happy that i will not waive any of these. Wanted to close acc but seemed to change mind and left banch PaulR. |
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29th April 2006, 16:55
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#10 (permalink)
| | Site Team The Consumer Action Group | Re: :D Want to get started ASAP :D You can claim for any charges which wer levied in respect of breaches by you of the banking contract, a long as those charges are in excessive of their administrative costs.
basically, include verything which relates to excessOD or bounced cheques etc unless they are regaulr monthly charges for agreed services.
Sounds as if you are doing all the right things.
I would aslo put in an Subject Access Request for any charges going back more than 6 years. There are grounds, in y view for claiming beyond 6 years. One user has obtained a default judgment for charges going back about 10 yrs.
However, deal with your 6 year claim first.
Send the prelim letter - 14 days
LBA - 14 days
Then send the Glad Tidiings
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12th May 2006, 10:12
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#16 (permalink)
| | Classic Account Customer | Off To Court then :D Ok after asking them politely to not send us the box standard letter as that is insulting our intelligence  they still did it to me and my girlfriend this morning.
sorry your unhappy bla bla bla nothing we can add to our previous letter bla bla bla this is the banks final response bla bla bla and if your dissatisfied go to the FOS. Now can i start court proceedings on these people even though the letter was only sent the 4th May.? I cant believe that only one company out of about 6 has offered me anything. I am sure i am going to end up in court with at least one of these financial institutions.  |
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13th May 2006, 04:21
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#17 (permalink)
| | Classic Account Customer | MoneyClaim Filed Well File has now been started with Moneyclaim so lets just hope that they pull their fingers out and give me and my girlfriend our money  If anyone else files a claim then maybe look at using this template as it fits in the box on the moneyclaim website.
The claimant has an account with Defendant over xx years,which is run on their standard terms and conditions.The claimant is claiming £xxxx taken by the defendant in the way of charges for l | |