After calculating my bank charges over the past six years i was horrified when it totalled almost £8000.I dont know how i managed to stay a float.I forwarded a letter to my bank asking them to return the unlawfully rediculous bank charges.After doing so they forwarded me a letter that the matter is currently being investigated followed by their detailed complaint procedure.I feel they are trying to bluff me with a process of waiting 8 weeks and then being refused my money back.What can i do next, can you help me with a suitable template letter please.please i need advice.

If you have used the template letter requesting your charges back then after 14 days send the letter before action from the template library. You are working to your timetable and not theirs.

Good Luck

cheers .Thanks for the advice.

HI!

The next letter is the letter before action.

They have said it will take several weeks, however you have your timetable and do not have to wait this long.

The link to the letter you need is here.

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

This template warns them that you are and will file with the court within 14 days if they do not respond.

Their 8 weeks you do not have to wait for. You are able to send this now!

Once you send the letter, it is worth starting to view the process from here and to understand what may or may not happen.

This link below will guide you through the process.

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

It is suggested that over the next 14 days, you view what options there are for filing in court and what to expect from now on.

If you need me I am often in chat!

Good luck!

It's important to note that how you proceed with a claim this size will largely depend on whether you are in Scotland or England.

Thanks for the step 2 step instructions.

Hi I Am Actually In Northern Ireland If You Could Offer Me Some Helpful Advice.

Hi I Am Actually In Northern Ireland If You Could Offer Me Some Helpful Advice.

Hi, I'm in Scotland and just finding out it's not quite so easy to take banks to court here if your claiming a large amount!! I think NI has it's own rules too and the limit might be £2000, but don't take that as gospel!! Maybe have a read at the thread I started as there is some good advice there. Atlantic might be able to help you with more and he mention NI rules.

Anyway, don't be downheartened, I'm sure you'll get there - hope I do too!!

Thanks. I DO THINK NORTHERN IRELAND RULES ARE DIFFERENT. YOU KNOW ITS NOT TALKED ABOUT A LOT HERE AND I FEEL LIKE I AM THE ONLY ONE.SO ANY ADVICE IS A BONUS.

Thanks. I DO THINK NORTHERN IRELAND RULES ARE DIFFERENT. YOU KNOW ITS NOT TALKED ABOUT A LOT HERE AND I FEEL LIKE I AM THE ONLY ONE.SO ANY ADVICE IS A BONUS.

Colm,

Try the First Trust thread here, covers a fair few issues and it's quite active.... - http://www.consumeractiongroup.co.uk/forum/other-institutions/7737-first-trust-bank.html#post55517.

I'm watching this thread as I am about to start helping my brother , rules slightly different from mainland, but not as restrictive as Scottish rules...

HTH

Phil

Phil thanks for introducing me 2 first trust thread. I am still curious 2 see any results from anyone.

Hope you get a result for you brother.