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reclaiming charges


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Hi I was wondering whether once I send off my claim to the bank and they reject it due to the FSA waiver, does that mean I am in line for refund if the court case goes in our favour? Or do I have to file a court claim after being rejected by the bank to be in the system for a refund? I mean is claiming from the bank enough. Also are people asking for interest at all? I think I am going to try claiming the proportion of overdraft interest due to charges. A question though, once received by the bank and officially in queue is the 8% statutory interest accruing or does that only start when a court claim is submitted. Just asking in case I don’t get the first. Thanks

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Hi Easybyrd,

 

Read the Reclaiming Guide at Link No1 in my signature below, to familiarise yourself with the process. In essence, it goes like this:-

 

Send Preliminary claim ltr enclosing Schedule of Charges (ignoring 8% int't)

Send LBA

File court claim for charges, overdraft int't if you're claiming it, 8% int't + court fees

 

Court will then Stay the claim but you'll be earning 8% from the date the claim is filed.

 

:)

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Hi Slick,

 

I have read all of link one but on page 10 it says 'copy and paste THIS' but when I click on THIS the next screen is blank until the bottom where there are articles. Am I meant to copy and paste the POC which is article 5 onto the N1 form? Thanks:)

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Hi EB,

 

In Step 10, the "THIS" link works ok for me.

 

Try this which is a direct link to the POC's - http://www.consumerforums.com/resources/templates-library/48-bank-templates/113-4-particulars-of-claim-n1-updated-version-now-available

Edited by slick132
corrected link

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Hi Slick,

Thanks for your help so far. I am referring to page 10 step 5 where THIS is. Dunno if I am being thick lol. Also your direct link was to barclaycard, I am barclays bank. Should it be article 5 POC which you get after clicking THIS and scrolling down. Thanks

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Hi EB,

 

No, twas me who was being thick. I've now entered the correct link for Bank POC's.

 

I take it you can now see the page properly when you click on "THIS", in the Reclaiming Charges Guide.

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