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Bank Charges
20 Answers
i know a lot of people have spoken about reclaiming the illegal bank charges, but does anyone know how long roughly we'd have to wait for it all to begin? Me and my fiancee sent the letter asking for the charges to be given back to us about a month ago yet have not received anything.
Also can they refuse to give us the money back?
Also can they refuse to give us the money back?
Answers
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For more on marking an answer as the "Best Answer", please visit our FAQ.You need to go to the Consumer Action Group website and read up everything on there. I claimed back my charges and from start to finish it took about 5 months, You need to send in another letter to the bank saying they have 14 days to comply and if not you will start court proceedings.
You have to send in a copy of your statements with the charges highlighted with every letter you send your bank
You have to send in a copy of your statements with the charges highlighted with every letter you send your bank
I rang my bank and asked for the last six years statements,they sent me a years worth then sent me a letter saying that the rest are kept on a microfiche and I would have to pay �10 to get these (greedy gits)
I sent them the �10 and they said it can take up to 5 weeks to send them. There`s a letter online which you can download to send in with your highlighted statements, once you get them which ...as innocenti says...they have 14 days to comply
I sent them the �10 and they said it can take up to 5 weeks to send them. There`s a letter online which you can download to send in with your highlighted statements, once you get them which ...as innocenti says...they have 14 days to comply
Thanks guys,
I have downloaded the leter and my other half put a table into the letter which showed the charges we want back. As for what you said Elvis, i had the same. Natwest said that i had to pay �10 for my old statements but to be fair to them i got them prety quickly.
However, the 14 days has now elapsed so i'm gonna wait till the end of this week before taking further action
I have downloaded the leter and my other half put a table into the letter which showed the charges we want back. As for what you said Elvis, i had the same. Natwest said that i had to pay �10 for my old statements but to be fair to them i got them prety quickly.
However, the 14 days has now elapsed so i'm gonna wait till the end of this week before taking further action
Jeanette, anything over �12 ive claimed the lot back (in your example of �30 i have claimed back the lot). If its good for the goose its good for the gander....
As for time limits, well until something is down about it, i cant see the banks turning round and saying no to people wanting to claim anything back. Well unless they go grovelling to the government and they put a stop to it
As for time limits, well until something is down about it, i cant see the banks turning round and saying no to people wanting to claim anything back. Well unless they go grovelling to the government and they put a stop to it
You can either print the letter, copy all the statements and highlight the charges or do what my girlfriend did and send the letter with the total amount (stating that you have the paperwork which proves that amount). Its up to you whether to send the letter or take it by hand but in my opinion its best to send it recorded/special delivery to the Head Office. But be warned. One of their "delaying tactics" is not to reply, so make sure you give them a specific timeframe within to respond. We gave them 14 days.
Yesterday i received an offer from the bank of �502 as a "goodwill gesture". I asked for �590 so i cant really decline the offer, after all it was money i didnt think we'd see again. However the letter states that they rejected my complaint (they churned out some rubbish about terms and conditions) but "as a goodwill gesture" they offered me �502! It doesnt seem a lot but as i've said, its money you didnt think you'd ever see again! Good luck to all of you who reclaim your fees