I am a newbie!Help with Bank Charges.needed

[mrsirishjohn]

I am new so I am not sure if I am even posting in the right place!

So apologies in advance if I am!

I am trying to reclaim my bank chargges and need some help please.

I know you can claim for 6 years so is if I send my request say 27th of November can I only claim from 27th November 2000 or is it the whole of November 200 onwards.

I have had a list oif all my charges but I am not sure how I include a schedule of charges with the letter requesting a refund.Do I just list them with date and ammount as they appear on my statement.

Hope I have explained ok.

Thank You.

Jackie.

[freebird]

welcome MIJ

firstly don't worry, you'll get lots of support on here.

The first thing you should do is to read over this

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

 

you'll find lost of answers to your questions here.

 

And secondly go in to the section for your bank and start a thread with your own title...for instance MIJ v ( your banks name)

and then we can follow your claim and support you through it.

Read some of the threads in your banks section to get an idea of the time line for the claims and you'll see where everyone is up to.

Good luck

Freebird ( I'm in the Lloyds section )

[Michael Browne]

Yes the 6 years go from the date of your first letter, although not all the banks pick up on this

 

Use the Simple S/S here:

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-interest-calculation-spreadsheets.html

 

Overwrite the existing examples type of charge, amount and date.

 

The days since and 8% will be calculated automatically

 

Save it (for use later at court), then delete/hide the last 2 columns (8% bits and print out as your schedule of charges.

[mrsirishjohn]

Thank you.I will start a new thread I am wilthe Halofax.

I am in Wales and not sure which spread sheet to use as this bit has made me panick incase I do the wrong thing.

If you send the bank a letter before you have given them time to pay up (and are not claiming contractual interest), demanding the statutory interest of 8% APR they will know that you do not know what you are doing and this will more than likely end up with you NOT getting your money back.

 

I am not claiming interest as I am only at the second stage and am I right in thinking you only add interest if you are going to court.

Also my charges add up to nealy £8,000.00! So small claims will be out for me.

[Michael Browne]

England s/s means England and Wales.

[mrsirishjohn]

Do I just leave the intrest colum blank or is there a spreadsheet without the interest colum-sorry to be a pain

[mrsirishjohn]

I also recieved a letter from Halifax saying that they are

under no statutory obligation to record information relating to manual intervention and so are unable to assist me with my request for this information

.

[Michael Browne]

When you open the s/s don't delete the existing figures

 

Just overwrite the existing examples type of charge, amount and date.

 

The days since and 8% will be calculated automatically

 

When you've entered all your charges save it on your computer since you will need this for use later when you file at court.

 

Then delete/hide the last 2 columns (8% bits) and print out as your schedule of charges.

[cheddar]

Thats fine it just means there isn't any and the MI issue is pretty much irrelevant. Please start a thread in your banks forum so you can track your progress and get help faster. Thanks.

[nrudd05]

Hi,

 

I new too... well, I have not posted anything before... I have claimed refund for my bank charges and Barclays have offered me half of the total amount!

I'm now sending them a letter requesting the full amount...

I'll let you now what happens!

[cheddar]

Thank nrudd05 if you start your own personal thread in the barclays forum and track your progress there it will help andothers to track your progress. Thanks.

[mrsirishjohn]

Thanks guys I feel much more confident I have also started a thread in the Halifax forum.

My charges come to nearly £8000.00 so I can't use small claims which is worrying me.

[cheddar]

Don't let it worry you and if you really do think it is going to be a problem then split it into 2 claims. Have a search around the site to read stories of those who have done it both ways

[mrsirishjohn]

I didn't think you could split it into 2 claims

[cheddar]

You can split it but you do carry more risk, I personally suggest going for Fast Track although the fees are higher and you pay their fees and lose yours if you lose that isn't going to happen anyway! Some people with a claim under £5k have had it go to Fast Track so theres no real way you can control it anyway! lol! Search the site for info on splitting claims.

[mrsirishjohn]

Have done my scedule on the spread sheet but afetr a while it only calculated the days since offence and no interest and then as I got further down neither the days nor interest were calculated, is this right?

[cheddar]

Hi please can you start your thread in the Halifax forum: http://www.consumeractiongroup.co.uk/forum/halifax-bank/

 

Then people will be able to help you as you progress. Thanks.