I have been charged on charges, ie im within the OD limit, then they take a charge and take me out of the limit, then they charge me cos of that and then they take the money and charge me for goin further out of the limit cos they took the charge out.

Seems a little amount £292 + 2 pending charges + intrest compared to some of the cases but still....

I handed the bank manager the 1st letter by hand as i requested that he refund, he refused. He also disputed the legality of the charges ( tho he was the only one )

1st letter was handed in 28/03/06 - 2 days after i received a letter stating that he handed it to the customer care team. 2nd letter i will hand in to him will be 12/04/06. I will give then a further 14 days grace period, then do i start with legal action?

I am scared incase i lose but its worth the risk to take, after all, it is my money.

btw - halifax should be in this group aswell as halifax and bank of scotland are one company HBOS

With syaing i received a letter from the bank manager, i still have not received anything from the actual bank re the letter. is this usual?

i got a phonecall from BOS this afternoon. Friendly person said they are willing to give me a maximum of £127 from the £292 (at the time of 1st claim £264) - i said it was a nice offer but i am not going to accept it. I knew that i could have taken the bakn to court and got all the money back. She then went on to talk about the legality of the fees - and she said that they were legal, i claim they are not. I went on to say that i would not accept £127 because it was such a low sum compared to what i could get at court. She then went on to say she would be willing to give me the maximum of £200. On this i said £220 and reverse the other charge, she said she could not go that far. I could tell things were starting to go cold on her half, as if she was about to call defeat and stop communication and allow it to go to court. I then said i would accept £210 plus the pending charge to be reversed. She agreed. So thanks to this site and the advice i was given, i didnt have to go to court and i was given back a fair part of my money.

I know i should have went all the way but i was nervous incase they said no in court.

I can say, if it happens again, i will NOT hessitate in taking the bank to court over the ILLEGAL bank charges.

So out of the £292 i got back £210 and also one charge pending reversed and also a company that is owe me money due to a fee will pay me £58 so overall, i am only out of pocket about £20 so i am not going to moan.

how long should i wait till the money is in my account again? if it is not in by the date advised, what should i do.

Did you have any written confirmation of what they had agreed to refund? If not, then send the Letter Before Action letter (personally in this instance I would give them 7 days) and take no nonsense from them.

You've given them enough time and opportunity. Hit em where it hurts.

Did you have any written confirmation of what they had agreed to refund? If not, then send the Letter Before Action letter (personally in this instance I would give them 7 days) and take no nonsense from them.

 

You've given them enough time and opportunity. Hit em where it hurts.

Yes, i got written conformation on the 12th of April 2006.

I will go to the bank tomorow, and if it is not in, then i will take your advice and say i want all 100% of the money and i will send the 2nd letter, and i will not take no for an answer

I think the bank has a cheek saying they will give me most of the money back but do not put it in straight away.

well went in today and the money was in, the whole £238. Unfortunatly the pending charge was still on the system. I called up today, and spoke to a man, and gave all the details, and he was nice as anything, UNTILL i mentioned the words "out of court settlement" and he started to change. I told him i was not happy and even although i have signed a statment to say i will not take the bank to court over this matter, that because they have broken the terms of that agreement, i have the right to do so.

He then said "unfortunatly" and i said, "what, system down?" and he said "yes, im afraid so"

He told me to call back tomorow on 08457 20 30 40 at 7AM and the system should be back up.

If they do not reverse this charge, what can i do next? should i send a letter to them saying that i am pursuing in court? what will happen with the letter i signed?

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