about to take action

[susan lloyd]

Hi
I've been thinking about starting the process of claiming back bank charges - but have been overwhelmed by the amount of information on the site!
I'm determined to get it all back, but could do with some guidance and encouragement
thanks

	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.

[closey]

Hello and welcome,

Make sure you start by reading the FAQ’s here:

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

The letter templates you’ll need are here:

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

And guidance notes are here:

http://www.consumeractiongroup.c o.uk/forum/guidance-notes/

Make sure you take a good long while out to read everything. There is a wealth of information available and we recommend being up to speed with this before taking any action.

Finally start a thread in the bank forum relevant to you. That way you can keep a timeline of your progress and receive help and support where needed.