Hi to all

[Challenged]

Hi I'm Challenged, literally by all this. Keen to claim back the unfair charges but not too sure how to start. Have known about this forum for about 6 months and now have the time to get stuck into doing what is necessary to rectify the wrong of my banks. Also, this is the first time I have been on a discussion forum, so not too sure how it all works !!!!

 

Looking forward to hearing the success stories and how I can also be successful with my claims.

 

I guess it is now, that the hard work begins......any one know the easiest , simplest way to approach this???

 

Also, with the huge increase in publicity regarding this, are people beginning to find it harder to claim or have claims rejected???

[Michael Browne]

Welcome.

 

First and foremost, before you start please have a thorough read of the FAQs. This is a must, no excuses. There’s a Step by Step guide here too. You should print these out to refer to later, so as to avoid having to ask basic questions.

 

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. Here’s one to start with, which you should find useful later:

http://www.consumeractiongroup.co.uk/forum/welcome-our-forum/53241-cant-find-what-youre.html

 

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time

 

This is a self-help forum and you must be prepared to put in the time and effort required. It’s your claim, your money and you cannot expect others to do all the work for you.

 

Then look at other threads in your bank’s forum, so as you know what you can expect to happen. At the top of each bank’s forum is a Successes forum where you can follow previous claims against your bank from start to finish.

 

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help. Always stick to one thread, so people can see what you’ve done so far and therefore can give you better advice.

 

The FAQ’s, Step by Step Guide and all the info to get you started are here:

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

 

Finally the Moderators and Site Helpers are having to spend far too much time dealing with unnecessary and avoidable errors in claims caused by impatience, ignorance or just plain laziness. If you don’t know what to do next, ask. If you don’t understand something, ask. It might be a dumb question, but it’s a lot easier to sort out than a dumb mistake.

 

Good luck

[Challenged]

Thanks Michael, I have started going through some of the material and I am just about to send my SAR letter but before I send it and then join the discussion forum for my bank I have two questions 1) is it wise to mention 'if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them' from the ofset? 2) is it worthwhile mentioning that a response that claims 'data cannot be obtained because microfiche system not contained in relevant filing system' is not an acceptable response?

Many thanks.

[Michael Browne]

is it wise to mention 'if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them'

Why not, unless you merely want the information for curiosity sake. I rather think that, by now, the bank will know why you are making the request, whether you mention it or not.

is it worthwhile mentioning that a response that claims 'data cannot be obtained because microfiche system not contained in relevant filing system' is not an acceptable response

Up to you.

[Challenged]

Thanks for getting back to me.