decroyffe Posted March 6, 2007 Report Share Posted March 6, 2007 Has anyone been or going through claiming back there bank charges from the last six years. i paid for the bank statements to cover the period and sent them with a template off the BBC Website. The templete stated the bank (halifax) had 14 days to issue a full refund or without notice i'd proceed to the small claims court. within days i received a reply saying id receive a reponse on the matter within 4 week. i thought this was reasonable due to the media coverage, and left it at that. now 4 weeks on they've sent another letter explaing they havn't yet reach a decision, and will let me know, no later than the 5th of april? a freind had a full refund within 14 days start to finish (natwest). are they playin games and what should i do? regards kieran PS The bank say they are within there rights to take the time they have Quote Link to comment Share on other sites More sharing options...
Axe Posted March 6, 2007 Report Share Posted March 6, 2007 You gave them 14days to refund your money. They didnt and you have done nothing. The whole point to the claim is the threat and realisation of being taken to a small claims court. The fact you have not issued them with a summons tells them you are not prepared to go through with it. Remember, they will call a bluff. Quote Link to comment Share on other sites More sharing options...
krazykayaker Posted March 6, 2007 Report Share Posted March 6, 2007 Right a snotty letter to them saying that u will take your banking somewhere else Sorry to slightly change the subject but Can i claim back business banking costs?? (anyone know??) Quote Link to comment Share on other sites More sharing options...
decroyffe Posted March 6, 2007 Author Report Share Posted March 6, 2007 You gave them 14days to refund your money. They didnt and you have done nothing. The whole point to the claim is the threat and realisation of being taken to a small claims court. The fact you have not issued them with a summons tells them you are not prepared to go through with it. Remember, they will call a bluff. thanks Axe, i have a letter explaining i'm not happy with the outcome, and they have 7 days to refund or it will go to court, should i send that, or go striaght to the courts, regards kieran Quote Link to comment Share on other sites More sharing options...
Axe Posted March 6, 2007 Report Share Posted March 6, 2007 I would send the letter saying that you have given them the opportunity to resolve the issue (which they havent) and that if you do not receive a full refund within 7 days you will proceed to the small claims court. But don't leave it this time. Edited: Crutial word missing. Quote Link to comment Share on other sites More sharing options...
Cranfield Posted March 6, 2007 Report Share Posted March 6, 2007 Never threaten someone, unless you are prepared to act, giving them more time allows them toi pull your rope a bit longer. Don't threaten to close your account and/or take your business elsewhere. Quote Link to comment Share on other sites More sharing options...
krazykayaker Posted March 6, 2007 Report Share Posted March 6, 2007 Never threaten someone, unless you are prepared to act, giving them more time allows them toi pull your rope a bit longer. Don't threaten to close your account and/or take your business elsewhere. Worked for me with the Natwest when i had a dispute with them Quote Link to comment Share on other sites More sharing options...
decroyffe Posted March 6, 2007 Author Report Share Posted March 6, 2007 i understand what's been said and the reason i didn't take action was because of the media covarage. when i first received the letter say they'd deal with the compliant within four week i call and asked why. they explained they where behind due to the recent media coverage and i thought that was fair. i now feel after four weeks it's not so fair so i'll proceed with the 7 day letter then court, regards kieran Quote Link to comment Share on other sites More sharing options...
kdubya Posted March 6, 2007 Report Share Posted March 6, 2007 this guy puts it as it is ( but you will need to set up another account first as your bank will not like you anymore) cheers KW http://www.moneysavingexpert.com/cgi-bin/v...141050760,24632, Quote Link to comment Share on other sites More sharing options...
Poacher Posted March 6, 2007 Report Share Posted March 6, 2007 decroyffe i'd go for one last letter stating they've got 7days or else... One thing i would say to you is that alot of banks try to wriggle out of full payment by offering 10% or the likes, don't accept this, you are entitled to the full amount and you'll get it if you persist. Quote Link to comment Share on other sites More sharing options...
SNAKEBITE Posted March 6, 2007 Report Share Posted March 6, 2007 I am going through the final stages at the moment, I got the advice from............... consumer action group There are templates for all the letters you need to send and the timetable of when to do it. READ IT THROUGH FIRST!! as everything is there. They are more than happy to answer questions on the forum. Quote Link to comment Share on other sites More sharing options...
sussex lad Posted March 6, 2007 Report Share Posted March 6, 2007 I've never had any bank charges The wife's a bank manager :o :blink: :blink: Quote Link to comment Share on other sites More sharing options...
decroyffe Posted March 6, 2007 Author Report Share Posted March 6, 2007 Thanks everyone , i've decided i'm going to right a letter (not from a template) and explain the situation, i'll then give them 7 days to refund or i WILL go through the courts. regards kieran Quote Link to comment Share on other sites More sharing options...
lurcherboy Posted March 6, 2007 Report Share Posted March 6, 2007 I got back through 4 different accounts at Lloyds TSB £7982.62 and they didn't close any of my accounts. I will end paying them back somewhere though as the banks won't let their obscene profits drop LB Quote Link to comment Share on other sites More sharing options...
digger Posted March 8, 2007 Report Share Posted March 8, 2007 Got £2033 from my bank today :unsure: Quote Link to comment Share on other sites More sharing options...
Cranfield Posted March 8, 2007 Report Share Posted March 8, 2007 I have never incurred Bank charges, but I did receive £1000 compensation from Alliance and Leicester after they wrongly cancelled a cheque book and took 3 weeks to replace debit cards, that were lost when my Wife's handbag was stolen. By cancelling the wrong cheque book, I had three cheques bounce and couldn't draw any cash from our Bank Account. We had to draw cash using pre authorised counter cheques, what a palaver. :unsure: We now bank with Nationwide. MBNA replaced our credit cards by courier, within 24 hours. Quote Link to comment Share on other sites More sharing options...
Catamong Posted March 8, 2007 Report Share Posted March 8, 2007 All Banks now offer a pretty poor service, they seem to employ morons and use call centres in India and such places where nobody has a clue what you're talking about when you call with a query. Having said that, avoid Barclays and the Halifax like the proverbial plague, they're always the first to put mortgage interest rates up, and the last to bring them down. Cat Quote Link to comment Share on other sites More sharing options...
SNAKEBITE Posted March 8, 2007 Report Share Posted March 8, 2007 Thanks everyone :unsure: , i've decided i'm going to right a letter (not from a template) and explain the situation, i'll then give them 7 days to refund or i WILL go through the courts. You will be ******* in the wind mate. The templates have been designed to cover all the relevant courses of action, in the right sequences using the right terminology. You whipping up a quick love note is going to do ****** all. Stick to the system! Oh don't forget the fact you cannot enter into the court side of things until all the releveant preceeding steps have been taken! Hence the templates and the timetables Quote Link to comment Share on other sites More sharing options...
Marine1980 Posted March 8, 2007 Report Share Posted March 8, 2007 Has anybody got a copy of the letter that you need to send in? Regards Lee Quote Link to comment Share on other sites More sharing options...
pin Posted March 8, 2007 Report Share Posted March 8, 2007 http://www.moneysavingexpert.com/cgi-bin/v...141050760,24632 Quote Link to comment Share on other sites More sharing options...
decroyffe Posted March 8, 2007 Author Report Share Posted March 8, 2007 Got £2033 from my bank today :unsure: Nice one, well done Thanks everyone , i've decided i'm going to right a letter (not from a template) and explain the situation, i'll then give them 7 days to refund or i WILL go through the courts. You will be ******* in the wind mate. The templates have been designed to cover all the relevant courses of action, in the right sequences using the right terminology. You whipping up a quick love note is going to do ****** all. Stick to the system! Oh don't forget the fact you cannot enter into the court side of things until all the releveant preceeding steps have been taken! Hence the templates and the timetables Mmmmm, wish i'd i read this first. just sent the letter. Used my own words but wrote the law side of it from a template. explained i was unhappy with the time alredy taken, and the time the bank has foreseen to resolve the matter. then used the unfair terms quote from template and issued a 7 day period to resolve the matter in full. just wait now, the worse is a small claims court apperance Quote Link to comment Share on other sites More sharing options...
Lucky Posted March 8, 2007 Report Share Posted March 8, 2007 I dont really know how people get all these bank charges, me and my wife have a joint bank account with the Abbey as it happens and the only charges we incurr is our authorised overdraft. Colin Quote Link to comment Share on other sites More sharing options...
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