jayne learning the ropes

[matt66uk]

hi everyone nice to see or not nice to see that im not the only one that has been screwed by the bank..

shame it came to late for my husband who had over 20000.00 in bank charges when he had his business which folded in 1999.

can anyone help me by letting me know what interest i should be charging for against the bank charges is there a set rate or do ido it by a particular bank..

This site is the most helpful site i have ever come across for this.

i hope everyone is succesful in what they are doing and the everyday man on the street gets even ..

good luck and hello to you all

	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.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[breadline]

HI Matt
There may be an option for your husbands charges, but you will need to make a v's thread under the relevant bank section gain the best advice.
follow the list of banks thread below.

Make your heading £20,000 in charges this will get a lot of viewers, business claims are different and there are people here who will help you through it if it is available to you.

Good luck
BL
Oh interest calculations is 8% for the time your money has been held.
also linked below is a good long thread.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.