Hello

[z80]

Quick hello. Found the forum via MSE and am interested in reclaiming my bank charges (have had loads unfotunately).

[rabbits]

Hello

[Allyxia]

Hello and Welcome

 

First of all dont panic - you will soon have your money back in your hands where it belongs!!

 

Yes you can claim back your charges, even if you were late paying, even if you went over your limit and even if your DD Bounced!!!

 

Remember the banks have acted unlawful you havent!!!

 

Before you start anything make sure you read the FAQs and as many threads as possible as there is a wealth of information on here!!

 

Before you start, make sure you start your own thread in the bank you are claiming against forum. AS you have already posted this one, I assume you already know how to do that!

 

First you need to send this letter and Remember you can claim as far back as six years!!!!

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

 

next you need to send

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/671-2-letter-preliminary-approach.html

 

I would advise that you opened a parchute account, there are details of this in the FAQ, in addition I would send your bank this letter, to stop them from taking further action whils this account is overdrawn and in dispute

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/5078-10-data-protection-act.html

 

If you get stuck have a look (by searching) to see if your question has already been asked by reading other people threads, if you are still not sure either post your question in your own thread or PM me and I will be happy to help you.

 

Also look for another newbie claiming against the same bank as you, that way you can do your claim together and support each other as the post drops through the door!!

 

Sometimes it can be stressful especially if the banks start to mess you around and tell you that they will win in court - remember the banks have never once been to court they always settle first!!!!! So dont be intimedated!!!!

 

Good Luck

[z80]

Thanks for the info Allyxia.

 

I'm going to get the DPA letter sent off soon requesting all statements for my 3 HBOS/Bank of Scotland bank accounts. I also have a BOS credit card but I think this require a letter to a different department - I'll find out