This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/08/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 03/07/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

If this worked, you wouldnt have to wait 41 days to get the info from the DPA then work out how much they owe you, then give them 14 days, then another 14 days, if they are going to give you anything then they have the info that you havent if you dont have statements going back 6 years, so they should work out the charges and refund you, if they dont then you have to wait for the info under the DPA.

I have combined the DPA & Prelim asking them to work out charges and refund them to my account, if they do it staright away then the figures can be checked when the dpa info comes through any comments Your address [their address] Request for repayment of charges Dear Sir/Madam, ACCOUNT NUMBER: xxxxxxxx My request I am writing to ask you to refund to me the charges which you have levied from my account over the last 6 years I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful in Common Law, Statute and recent Consumer regulations. If you say that they are not then you will be pleased to demonstrate this by letting me have a full breakdown of the costs to which you have been charging to my account in order to reassure me that your penalties really do reflect your true costs. Additionally it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are considered to be unlawful per se in the absence of specific proof to the contrary. Please supply me with a complete list of transactions and charges relating to my bank account for the period 7th April 2000 to 7th April 2006. Alternatively a complete set of bank statements for that period will be acceptable. For the sake of clarity bank statements are covered by DPA request as set out in law, and should not be charged on a per statement fee. Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request. I autherise you to deduct the statutory maximum fee of £10 from the above account no xxxxxxx. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me then I shall be reclaiming them and also reclaiming the enclosed £10 DPA disclosure fee. Your responsibilites I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that as a bank that advertises itself as “Ethical”, you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have decieved me into agreeing to pay them. You concealment of the true nature of your charges has prevented me from asserting my right until now. What I require That you calculate from the information held on my account relating to penalties made and deducted from my account and that the sum be paid back into my account which will also include the £10 maximum charge should you take it from my account for DPA information. My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment. If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that will be no further communication from me and I shall issue a claim at the expiry of the second deadline. Yours faithfully, [name]

I have combined the DPA & Prelim asking them to work out charges and refund them to my account, if they do it staright away then the figures can be checked when the dpa info comes through any comments Your address [their address] Request for repayment of charges Dear Sir/Madam, ACCOUNT NUMBER: xxxxxxxx My request I am writing to ask you to refund to me the charges which you have levied from my account over the last 6 years I now understand that the regime of fees which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful in Common Law, Statute and recent Consumer regulations. If you say that they are not then you will be pleased to demonstrate this by letting me have a full breakdown of the costs to which you have been charging to my account in order to reassure me that your penalties really do reflect your true costs. Additionally it has now been confirmed that your particularly high level of penalties are considered to be unfair per se by the OFT who reported on the 5th April 2006 and are considered to be unlawful per se in the absence of specific proof to the contrary. Please supply me with a complete list of transactions and charges relating to my bank account for the period 7th April 2000 to 7th April 2006. Alternatively a complete set of bank statements for that period will be acceptable. For the sake of clarity bank statements are covered by DPA request as set out in law, and should not be charged on a per statement fee. Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request. I autherise you to deduct the statutory maximum fee of £10 from the above account no xxxxxxx. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me then I shall be reclaiming them and also reclaiming the enclosed £10 DPA disclosure fee. Your responsibilites I would draw your attention to the terms of the contract which you agreed to at the time that I opened my account. It is an implied term of that contract that you would conduct yourselves lawfully and in a manner which complies with UK law. I am frankly shocked that as a bank that advertises itself as “Ethical”, you have operated my account in this way as I had always reposed confidence in your integrity and expertise as my fiduciary. I consider that your repeated representations that your charges are fair and reasonable are deceptive and that they have decieved me into agreeing to pay them. You concealment of the true nature of your charges has prevented me from asserting my right until now. What I require That you calculate from the information held on my account relating to penalties made and deducted from my account and that the sum be paid back into my account which will also include the £10 maximum charge should you take it from my account for DPA information. My targets to resolve this matter I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you will prefer to do this than merely respond with standard letters and leaflets. I will give you 14 days to reply to me accepting unconditionally my request in principle and letting me know a date by which I will receive payment. If you do not respond or you do not respond positively within this time period, I shall send you a letter before action giving you a further 14 days in which to reflect. I believe that these targets are more than sufficient for a large company such as yours with dedicated staff and departments. After that will be no further communication from me and I shall issue a claim at the expiry of the second deadline. Yours faithfully, [name]

Ok Guys This is the story, I read with graet interest many of the articles with regard to bank charges and claiming them back. Online I can only acces my statements going back over the past two years although my account has been open for 12 years, and at a rough count I have been charged in "unauterised fees" around £700. I phoned the call centre of the Cooperatve Bank, and politely asked if they can tell me how much I have paid in charges since the account opened, the lady on the phone asked what I needed the information for, I told her that I believed the charges to be unfair and illegal, I wished to claim them back. She told me it was not possible to claim them back, all charges were make in accordance with the terms and conditions which were agreed by me when I opened the account. I explained I had seen a news article on TV and also had information from websites outlining the charges were basically not legal and I wished to pursue the claim when I had the amount I had been charged over the years banking with them. She them took my number and said that somebody would call me back today, sure enough I got the call, explaing to me that the news article I had seen only related to credit cards, the "Banks" had untill the 31 May to decide if they are going with OFT's decision, also the only way I would get the information on charges would be to purchase copy statements at a charge of £5 each. I told her i was going to apply for the information under the DPA which should only incur a £10 fee, a slight shift in attitude and tone ensued informing me "statements dont come under the DPA and the only way I would get them was to buy them. I told her that she was wrong and asked to speak to somebody senior, she gave me customer services address in Skelmersdale and told me she couldnt discuss it any further. (seems to have caused a bit of a stir, I wonder why!!!!) I am now applying for this information under DPA. The Help bit!!! when I get this information, which charges are legal and which are not. How far back can I take this claim, I read 6 years was the limit, but if it is illegal now it must have been illegal beyond 6 years. should I wait for the DPA information before applying for a refund.

Ok Guys This is the story, I read with graet interest many of the articles with regard to bank charges and claiming them back. Online I can only acces my statements going back over the past two years although my account has been open for 12 years, and at a rough count I have been charged in "unauterised fees" around £700. I phoned the call centre of the Cooperatve Bank, and politely asked if they can tell me how much I have paid in charges since the account opened, the lady on the phone asked what I needed the information for, I told her that I believed the charges to be unfair and illegal, I wished to claim them back. She told me it was not possible to claim them back, all charges were make in accordance with the terms and conditions which were agreed by me when I opened the account. I explained I had seen a news article on TV and also had information from websites outlining the charges were basically not legal and I wished to pursue the claim when I had the amount I had been charged over the years banking with them. She them took my number and said that somebody would call me back today, sure enough I got the call, explaing to me that the news article I had seen only related to credit cards, the "Banks" had untill the 31 May to decide if they are going with OFT's decision, also the only way I would get the information on charges would be to purchase copy statements at a charge of £5 each. I told her i was going to apply for the information under the DPA which should only incur a £10 fee, a slight shift in attitude and tone ensued informing me "statements dont come under the DPA and the only way I would get them was to buy them. I told her that she was wrong and asked to speak to somebody senior, she gave me customer services address in Skelmersdale and told me she couldnt discuss it any further. (seems to have caused a bit of a stir, I wonder why!!!!) I am now applying for this information under DPA. The Help bit!!! when I get this information, which charges are legal and which are not. How far back can I take this claim, I read 6 years was the limit, but if it is illegal now it must have been illegal beyond 6 years. should I wait for the DPA information before applying for a refund.