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bank charges clarification


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Hello all,

 

Can I re-confirm that the fees/charges I can claim are the following:-

 

Returned DD £30

Returned SO £30

 

This is because I had sent the first letter to the bank outlinning my concerns and the charges I want cancelled since 2003(yout template)

 

I have had a response today, which effectivley states they do not agree with the OFT decision on c/c defaults and they pointed out that what I am claiming for are standard fees set out from the begining.

 

The bank in question is LLoydsTSB . Brief history is I have an account which went over the agreed overdraft limit and I have been charged frequently £30 upto £150 in charges (including £67 for a returned dd of £7!). I am unsure whether this is just their flannel or if I am correct in persuing for the £1500 i collated.

 

I am happy to post the bank's repsonse if needed.

 

Thanksa alot

Lloyds TSB Prelim sent 21/10/06

bog off response 06/11/06

LBA sent 17/11/06 (resent 11/11/06)

Offer refused 18/12/06

Court Aq rev'd 15/01/07

Settled 16/04/07 £2154

Northern Rock S.A.R - (Subject Access Request) issued 17/11/06

Halifax c/c S.A.R - (Subject Access Request) issued 17/11/06

Prem letter sent 02/01/07

Settled 7/04/07 £1124

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Hello all,

 

Can I re-confirm that the fees/charges I can claim are the following:-

 

Returned DD £30

Returned SO £30

 

Yes you can!

If you found this post useful, please click on the "scales" icon in the bottom left of my post and say so!

 

The opinions of this post are those of monkey_uk and do not constitute sound legal advice. I am not a lawyer.

--

 

Halifax Unlawful Bank Charges: S.A.R - (Subject Access Request) Sent 28/02/07 - CC Statement's rcv'd 18/04/07 Bank a/c statements rcv'd 19/04/07

 

 

 

First Direct Unlawful Bank Charges: Settled in Full 12/05/06 | £2235.50

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YES YES YES (no Im not doing a harry met sally moment here)

 

They will try and fob you off with any old nonsence - dont worry about it carry on with your claim thats a nice little chunch you are claiming there!!!!!

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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Thanks chaps for the response

 

They've made my life hell over the past few years.....ding dong, round one!!

Lloyds TSB Prelim sent 21/10/06

bog off response 06/11/06

LBA sent 17/11/06 (resent 11/11/06)

Offer refused 18/12/06

Court Aq rev'd 15/01/07

Settled 16/04/07 £2154

Northern Rock S.A.R - (Subject Access Request) issued 17/11/06

Halifax c/c S.A.R - (Subject Access Request) issued 17/11/06

Prem letter sent 02/01/07

Settled 7/04/07 £1124

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Ok I will keep an eye on how you are doing well done

Allyxia

KEEP FIGHTING FOR YOUR MONEY - EVEN WHEN IT GETS TOUGH

The Banks are somewhere which lends you an umberella when it is sunny, and takes it away when it rains

 

HSBC £1200 - Settled in Full

Cap 1 2 X £100 - Settled in Full

Nationwide £1641 - Settled in Full inc Default and CCJ Removed by Court Order

NatWest £2215.60- Settled in Full and Removed Default Natice

Woolwich £3690 - Settled in Full

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