New Bank Charges FAQ - basis for recovering your bank charges

[BankFodder]

The Consumer Forums - Announcements in Forum : Welcome to the Consumer Forums

[dizzyblonde1966]

Does this new approach only apply to those cases that were already in the court system stayed pending the outcome of the oft case,

or can it also apply to new first time applications?

Thanks

DB

[nutter192]

any new template letters for this yet??? some template letters with new arguments on moneysavingexpert. now wondering whether to hold fire on letter going and wait see what cag say?

[BankFodder]

This approach applies to all applications new and old - although it may be safer to use with an existing application until we have some results.

However, this for historical charges.

 

If since the OFT test case, the banks start being honest about their charges instead of misrepresenting them then you will not be able to claim on this basis.

 

So the new FAQ can apply to new claims for old charges.

 

I am very confident about it though - with Yorkshire Bank and with Abbey.

Moderately so with Lloyds

 

We need more documents showing how they have attempted to justify their charges - all banks.

[BankFodder]

We can make a template available if you come to us with your specific case.

 

We have no general template yet

[BankFodder]

We have two cases against Abbey and against Lloyds which are going before the judges next week on a strike out matter.

 

I have confidence that they will be permitted to continue their claims.

[dizzyblonde1966]

Thanks for the info,

DB

[rebel11]

Before the not so Supreme Court Judgement, HSBC wrote to me with charges that they highlighted, they stated that they had made a 'mistake' with regards the charges. Something else really important cropped up so I haven't done anything about it as yet.

[jdes26]

i have £3000 bank charges and i would dearly love to get them back... i have not applied for court action and they have sent me the ha ha we won... and i just dont know where to go next..

 

any thoughts BF?

[BankFodder]

Before the not so Supreme Court Judgement, HSBC wrote to me with charges that they highlighted, they stated that they had made a 'mistake' with regards the charges. Something else really important cropped up so I haven't done anything about it as yet.

Well get started and let us know. Start a thread in HSBC and tell us the story

[BankFodder]

i have £3000 bank charges and i would dearly love to get them back... i have not applied for court action and they have sent me the ha ha we won... and i just dont know where to go next..

 

any thoughts BF?

What bank?

 

Start a thread in that bank's forum so that we can see

[jdes26]

lloyds!

i have printed out my charges list from two accounts using the MSE website calculator and it totals £2850.

my overdraft is £4000 and i have £1200 saved i just want rid of lloyds.

so next step is the letter to send!

[BankFodder]

Start a thread in the Lloyds forum please.

Post a link to it here.

Ta

[jdes26]

JDES... going all out to reclaim bank charges from lloyds

 

any help would be gratefull

 

start letter writing tomorow

[jdes26]

thanks BF

[themadcap]

The standard HSBC defence (mines from April 2007) clearly state "the charges applied to the claimants account are reasonable and properly and fully disclosed" does this fall into the "reasonable" arguments?