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willett
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:confused: hi there

i am just starting out with claiming back bank charges that have been taken out of my account over the year and a half. I have read all paper work on how to claim it back but am very confused on where to stat and how to go about it all. I would appreciate it if there is anybody who knows where to start to help me along the way.

Yours Very Hopefull willett.

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Hi Willett and welcome to the club!

 

Which bank are you claiming against? Unfortunately its not quite as simple as "give me my money back" you need to know the exact amounts and dates etc. Do you have this information to hand (ie. internet banking or statements)?

 

Its best to have a good look through the FAQs first, to familiarise yourself with the process. Also read some "victory" threads under your banks forum to understand you likely process. The threads are a good source of encouragement too.

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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hi ther thanks for your reply. I am with alliance and leicster.

I have gone through all my bank statements and have a rough idea of how much it is, still going through them. I know this may sound stupid but im 42 and never had to deal with anything like this before my ex husband used to do all this kind of thing for me. Il be honest with you its very scary. I do hope you can help me it would be very much appreciated.

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I think everyones a little nervous :eek: when they start the claim process, but theres no need to be.

 

You can claim back up to 6 years. So like I said earlier, you need to know details of the charges you are claiming back. (Eg. On the 23rd June 2002 charged £30.00 for an unpaid direct debit). The charges you can claim for are, unpaid direct debit, unpaid standing order, unpaid cheque and overdraft excess fee. Account fees are non-claimable and also overdraft interest can be a tricky one to work out.

 

Depending on whether you know this information, depends on the next stage. If you don't know all your charges then you need to ask the bank to send them to you. If you do know them you can start writing the letters out.

 

Have a good rummage through you banks forum and the FAQs for help.

 

http://www.consumeractiongroup.co.uk/forum/alliance-leicester/

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

 

Most people tend to have a good read through before starting to familiarise themselves with the process.

for FAQs & Step By Step

click here

for Templates Library

click here

for Court Bundle

click here

________________

 

WON 121o121 'vs' LloydsTSB

here

WON 121o121 'vs' Halifax C C

here

WON 121o121 'vs' Cahoot CC

here

WON 121o121 'vs' LloydsTSB (again)

here

 

________________

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hi there we have got all our statements for the last year and a half which was when we opened the account. So we know how much charges have been taken out of the account to date. where do we go from here:o . By the way could we also claim for charges from another bank at the same time as we have an account with the Yorkshire bank, we have been with them for the last four years. Also i cant find the scales in the top right hand corner, to let you know you are being very helpfull so far and you have made me feel a little better about how to go about it all thanks so much:o :) .

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Hi Willet!

Don't worry- we're all in the same boat here!

I've just done my first (nationwide) and got all my charges refunded, so you can do it!

I'm now waiting for all my info back from A&L, so if you need any help/support, you're in the right forum. You will not find a nicer bunch of folks.

Anyway, keep posting and everyone will keep helping- if you get stuck, re-read the step by step instructions and don't be afraid to ask for help.

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells

 

Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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:???: hi ther

me again i found the spreadsheets after searching a whole day but not sure how to do it. i started one and printed it of but it wasn't right could you possibly guide me on how to do a spreadsheet sorry for being a nuissance.:(

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Guest Mumofthreeboys
:???: hi ther

me again i found the spreadsheets after searching a whole day but not sure how to do it. i started one and printed it of but it wasn't right could you possibly guide me on how to do a spreadsheet sorry for being a nuissance.:(

 

A whole day? Did you not see the link I posted above?

 

All you need to do with the spreadsheet is enter your details as they appear on your statements, the rest is done for you. If you use the advanced spreadsheet it will work out your 8% interest too.

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Guest Mumofthreeboys
sorry dont know how i missed that. been on and started my spreadsheet not sure wether it is right or not, but could'nt get it to total up what am i doing wrong now.:(

 

I really have no idea, you'll have to give me some more details - which spreadsheet are you using? It should add it up automatically.

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Guest Mumofthreeboys

Of course I'm not sick of you. Why don't you try the link I gave you earlier. Vampiress' spreadsheets may be easier.

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:smile: hi there

Just to let you know i think i know why i cant do the spreadsheets a friend told me that i need micro excell office on my computer which i dont have my partner is trying to get it for me so hopefully we can get started again but thank you so much for all the help you have given me so far. I will let you know how im getting on.

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:) just to let you know iv finally done a spredsheet hip hip hooray bout time aswell, its took me long enough. thank you so much again for all your help you've been a great help. I have also done the preliminary approach letter, is this all i need to send of to my bank now or do i need anything else. thanks again.:)
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Guest Mumofthreeboys

No, just the preliminary letter and the spreadsheet. Get it in the post and make sure to get proof of posting xxx

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  • 4 weeks later...

Willett, found your thread - http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/25457-user-guide-contacts-list.html?garpg=3 I used these step by step instructions much easier to follow than the others more basic and deals with it as points for action with no jargon! Hope this helps

:pSuzi x x

 

A&L - WON! - £5111.05

Halifax Visa repaid nearly £300 into defaulted card account!! At least I owe them less now I guess!

Halifax card cash account started then stayed!

Lloyds for a friend started then stayed nice letter though!

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NO!!! Don't allow more time for Christmas. My court papers were due in the middle of Dec and I asked the court if I should allow more time and they said catagorically NO. A deadline is a deadline and like Michael said, they don't stop charging you!

 

Won £51111.05

:pSuzi x x

 

A&L - WON! - £5111.05

Halifax Visa repaid nearly £300 into defaulted card account!! At least I owe them less now I guess!

Halifax card cash account started then stayed!

Lloyds for a friend started then stayed nice letter though!

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Thanks so much to suzi for finding my thread. well am back on track now having got a reply to my LBA just telling me no can do. so have started proceedings to go to court will let you know how i get on. After reading all the threads of people who have won i feel rather silly about claiming mine back as it is only £500. I know thats still a lot f money and i would rather have it than let the banks keep it.

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  • 2 weeks later...
:D to mumofthreeboys hi there its willett here just to let you know i received a cheque this morning for the full ammount of £624.54. I would just like to say thanks so much for all your help i could'nt have done it without you,:D and of course all the other people who have put me in the right direction thank you so much it has come at the right time as i am getting married in 7 weeks in the domincan and the money is going to be such a big help.:D Good luck to any one starting out i hope it goes as well for you as it has for me.:D
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