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Hi and welcome!

 

You're in the right place! Read the FAQs and template letters, then read up in the forum for your bank to see how your fellow claimants have got on. Post in there with your story once you are ready and get the benefit of their experience! See my sig below for useful links to help you on your way.

 

You can claim back all of the charge - once the charge is unlawful, all of it is unlawful, not just the excess!

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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  • 1 month later...

Hi i recently wrote to abbey requesting a refund of over £3000 plus int.. I

received a standard letter from them saying they are investigating it and it may take some time. I gave them 4 weeks then sent the Letter Before Action. After sending this letter i received a letter from them which had been sent before they received my LBA letter, which was 2 weeks ago. This letter stated that they have carried out a full investigation and the charges do not contravene the regulations (Consumer Contracts Regulations 1999) and therefore cannot agree to refund them.

They say they have reviewed information i received when i opened my account, explaining charges applied if i did not keep to the terms and conditions. They say that the charges were correct because i did not have enough money in my account to cover payments requested from it, also saying that, after looking at my account's history, it is not the first time this has happened.

They say that they did their best to make me aware of the importance of managing my account to prevent this situation happening again and because of this, they cannot agree to cancel these charges.

Am i still in my rights to proceed to the next level, which, i believe is a claim to the courts (also is it an N1 claim form- with interest it comes to just under £5000)

I look forward to what i hope is positive feedback-- hayden whittaker

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Just carry on regardless of their attempts to put you off. Stick to your timetable!

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

DONATE - Support this site, it supported you!

Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

Link to post
Share on other sites

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