Claiming back bank charges

4
Found 11th Dec 2006
Hey all!!

I don't know if anyone has actually done this or not.
Claiming back your bank charges.
I have started the process, got my statements, added up all charges, sent a letter asking for it back and today I received a phonecall from Halifax offering me 50% of my charges back. My charges total £1100, so that would be just over £500!!!
I declined as Im going for the whole lot!!!

Will keep you posted!

All info regarding this can be found consumeractiongroup.co.uk/ here

Just thought i'd share this with you incase anyone was weary of doing it.
Its easy as 1, 2, 3!!

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5 Comments

birdyboyuk

Hey all!!I don't know if anyone has actually done this or not.Claiming … Hey all!!I don't know if anyone has actually done this or not.Claiming back your bank charges.I have started the process, got my statements, added up all charges, sent a letter asking for it back and today I received a phonecall from Halifax offering me 50% of my charges back. My charges total £1100, so that would be just over £500!!!I declined as Im going for the whole lot!!!Will keep you posted!All info regarding this can be found ]hereJust thought i'd share this with you incase anyone was weary of doing it.Its easy as 1, 2, 3!!



Very good post birdyboy,especially for those amongst us who are not especially good at money management and have paid for it (mostly unlawfully) with massive bank charges.I am sure there are a lot of people who would like to do something about it,but don't know where to start.:thumbsup:

I'm in the process of claiming them back too....Just got my statement in and theyve banged on another 30 quid charge!.....That will be added to the claim...I phoned them up and they wouldnt remove it...they said they don't do goodwill payments anymore!...what a bloody cheek...goodwill my A***!

Original Poster

Well, if you goto my link, all the info is there.
Basically, first thing you do is sent a Subject Access Request letter (templates can be found on CAG site), this asks for all your statements from the past 6 years. You enclose £10 fee and you give them 40 days to send them to you.
Once received you can calculate all the charges then send a Pre-Liminary letter (again, templates on site) asking for the charges back. They have 14 days from then to respond. They will most likely offer you a partial refund (like they did with me) but if you stick with it you will get the full amount.
No-one has gone to court regarding bank charges so you got nothing to lose really!
If it does reach the court stage (its all online! ]Money Claim Online, you pay a max of £120 i think, which you get back when they refund your charges anyway, and they usually pay up about a week before a defence has to be filed.
There is lots and lots of help on the CAG site, I recommend it to you all!!! :thumbsup:

Look at the site and read the FAQ's. It'll probably take you about a week to take all the info in so you are prepared. It's worth it! :-D

Original Poster

Just an update to you all.

I WON!!!

I received an offer of settlement letter today for £569. I rung them up and said to increase it to £1000 and I will take no further action.
They agreed!!
All I gotta do is wait for another settlement letter, send it off and then I'll receive a cheque for me!
My original claim was for £1100, but as im not working, I need to pay the bills so £1000 is very handy!

So heres the proof it works. You should all do it!
If you need any help, feel free to pm me and I'll do my best.

[SIZE="7"][COLOR="Red"]Merry Christmas!!! :santa:[/COLOR][/SIZE]

Very nice and it was yours in the first place :santa: Merry Christmas and Well Done you :santa:
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