Hi completely new to this Hi everyone

[willispete]

I have been charged £190 in bank charges by Nat West because of £150 approx because I had been short on funds this is over a two month period can anyone what steps I have to take in order to get a refund?

Regards

Pete

	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.

[jimbo69]

Hi you need to take some time to read the FAQ's everything is explained step by step there.

[Rooster-UK]

Hi Willispete, welcome to the family.

Your first task is to spend a couple of days reading the FAQs and the step-by-step guide. That will answer most of your questions

There is a saying, "Knowledge is Power".

We've got the knowledge and it is all there for you to acquire.

Good luck with your claim.