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Go Back   The Consumer Forums > Welcome to the Consumer Forums

Welcome to the Consumer Forums Free advice and support to reclaim your bank charges or to solve other consumer problems.
Welcome. You have just joined the Consumer Forums. Come here and introduce yourself.
You will soon discover what a friendly place this is and get lots of hints about claiming your bank charges or dealing with other consumer rights.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
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

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Old 20th July 2006, 13:56   #1 (permalink)
MIKE GARTON
Basic Account Customer
 
Watch out, there are Claims Touts about!

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Join Date: Jul 2006
Posts: 2
MIKE GARTON Novitiate
Question a bit lost.

i thought threads were clothes!!. i'm new to this , i know all the information is here somewhere but could somebody simply briefy explain each step to take to reclaim my bank charges. i've looked in the library and it does'nt seem to take you through step-1-2-3 etc etc. any help would be appreciated. mike.
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Old 20th July 2006, 14:52   #2 (permalink)
thewifeandI
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thewifeandI InformativethewifeandI Informative
Default Re: a bit lost.

Hi Mike and welcome!

You're in the right place! Read the FAQs and template letters, then read up in the forum for your bank to see how your fellow claimants have got on. Post in there with your story once you are ready and get the benefit of their experience! There's a trail of useful parts of the site to visit in my sig below.

There's a step by step guide in the FAQ area, but do read up on all the information available there and it will help you to understand what you are doing and the legal reasoning behind it. Remember that the banks spend massive amounts of legal departments who will be eager to find any weakness in your attempt to get your money back. The more you know the less chance they have of persuading you that they are the good guys after all!
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Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06
Halifax joint a/c new charges £1100 - LBA sent 02/08/06
Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)
Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far
Halifax Visa (#2) Data Protection Act sent - refunded £170
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