Hello

[anguini]

Hi Everyone, I'm a new member, I would like to claim back my bank charges, unfortunately I don't know where to start. I understand I should request my bank statements for the past 6 years, but I don't know what I should be claiming for, can I claim for the daily charges my bank have taken, £8 a day for going over my overdraft, & £25 fine, and what other charges can I claim back.

 

I understand that many of you will have read and answered these questions before but I am very confused as to what I can claim for.

 

Thanks for any help you can offer.

[rippedoffagain]

Hi anguini

 

You can claim for lots of things.

 

You need to start by finding out what you have been charged, basicly you request information under the Data Protection Act.

 

Start here.

 

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

 

It will cost you £10. Send by recorded delivery. Keep all correspondence carefully filed for later use.

[Josamolly]

Hi and welcome to the forum Anguini.

The process that you will follow is relatively easy but IS NOT a get rich quick scheme. Spend time reading the FAQ pages as this will stop you making mistakes along the way, and is the most important part. Read as many threads as your eyes will allow, you will gain invaluable knowledge which will give you the confidence you need. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

This site is all about EMPOWERMENT and you will gain the confidence that you will need. The excellent A-Z guide compiled by Michael is a fantastic source of information.

But remember, this isn’t a game. You are taking on large institutions which MAY lead to court, but you do need to be prepared.

Everyone is very friendly and keen to help. Dave and Bankfodder have done a great job in producing the site, and all the moderators, helpers and current users really are a very nice bunch.

Please also understand that any advice that you receive is normally based on experience and expert advice should be sought if needed.

The first thing you need to do is find your relevant banks forum and start your own thread in there.

I have put some useful links onto the thread that you can refer to when needed.

Good luck. See you at the other end……

Some useful links..

FAQ's

Step by Step Guide

If you wish to make a Donation

A-Z Guide

Making Posts

Start a thread

Letter Template Library

Rejection Of Settlement / Good Will Gestures

Interest Spreadsheets

Contractual Spreadsheet

Court N1 Form

Court Bundle

Preparing a Court Bundle

Bank Contact Details

Moneyclaim Online

AQ Guide to Completion

Court Fees

Data Protection non Compliance

Witness Statements for Court Bundle

Banking Code Website

Limitations Act

Fast Track Costs

Scottish Procedure

Scotland Forum

[anguini]

Thanks guys this as anwswered exactly what I needed to get off the ground, I was/am confused about what exactlty I can claim for but now I understand (I think!!) haha

 

The process that you will follow is relatively easy but IS NOT a get rich quick scheme

 

Sorry, my original post did sound as though I was looking for a rich quick scheme, I assure you it isn't and I genuinely am looking at getting my charges back.

 

Again thanks very much!

[rippedoffagain]

Thanks guys this as anwswered exactly what I needed to get off the ground, I was/am confused about what exactlty I can claim for but now I understand (I think!!) haha

 

 

 

Sorry, my original post did sound as though I was looking for a rich quick scheme, I assure you it isn't and I genuinely am looking at getting my charges back.

 

Again thanks very much!

 

You are welcome anguini, The SAR part can take many weeks, so use the time to familiarise yourself with the procedure, take a good look around the site, I find that regularly reading the new posts (the blue toolbar near the top of the page) gives you lots of info.