Claim your bank charges back

tsunami · Post by **tsunami** » Wed Feb 28, 2007 8:23 pm

iv heard you can claim all your bank charges back for the last 6 years, all you need to do is write a few letters. its been on the TV and here is a few web sites with the info and the letter already wrote for you. Enjoy haha

http://www.moneysavingexpert.com/banking

http://www.consumeractiongroup.com

letter: http://www.moneysavingexpert.com/bank_c ... etter1.rtf

ssgtsnelly · Post by **ssgtsnelly** » Wed Feb 28, 2007 9:04 pm

done it, got a letter from LloydsTSB the other day that they will make me an offer in the next few weeks,

the BBC ran an article on this a few months ago and thier website has all the nessecery letters and laws broken included in thier report..

LukeStar · Post by **LukeStar** » Wed Feb 28, 2007 9:15 pm

what about the cunts who charge 1.65 to withdraw money lol

jeffvickers · Post by **jeffvickers** » Wed Feb 28, 2007 11:12 pm

Be careful not get into debt in the first place.

Having said that, Banks are robbing bastards.

DO NOT GIVE THEM THE OPPORTUNITY.
CANCEL ALL STANDING ORDERS AND DIRECT DEBITS.

This is the major reason for going overdrawn, ie. Getting Days mixed up or the direct debit comes out before wage day.
Pay money in CASH at a counter at YOUR convenience, not theirs.

king_conspiracy · Post by **king_conspiracy** » Wed Feb 28, 2007 11:16 pm

Fucking hell, Chill out with all the RARGHHHH CAPITALS will you??

Max · Post by **Max** » Thu Mar 01, 2007 2:38 am

i've actually signed up to http://www.bank-smart.com (or co.uk) who do all the forms and stuff for you, but charge 10% of what you get back. I think I must be owed £500 and dont have the time at the moment, so i am quite happy with htat, if they pull through!

max

chav666 · Post by **chav666** » Fri Mar 02, 2007 1:18 pm

I would like to vote this as the most useful post since this site began!

If every member does it I reckon this forum would make well over £100k?

Would be fun to see....

Get writing them letters you debt ridden bastards! - I have hahaha

theoak · Post by **theoak** » Fri Mar 02, 2007 3:30 pm

god, who even thinks of setting up a whole company based around this?!

I have done this already too, about 5 months back, think I got 250 back from a claim of 400. I sent them a list of the charges I had recieved and added a few that werent true/duplicates, I suspect they get so many of these they may not even check!

bowie · Post by **bowie** » Fri Mar 02, 2007 6:29 pm

Has anybody who has succesfully done this had trouble with the bank afterwards? I really want to do this but can't be bothered with my account being shut down and having to set a new one up.

tsunami · Post by **tsunami** » Sat Mar 03, 2007 2:59 pm

Max wrote:i've actually signed up to http://www.bank-smart.com (or co.uk) who do all the forms and stuff for you, but charge 10% of what you get back. I think I must be owed £500 and dont have the time at the moment, so i am quite happy with htat, if they pull through!

max

i have signed up with these but heard nothing back off them, how long did it take before you heard anything

ssgtsnelly · Post by **ssgtsnelly** » Sat Mar 03, 2007 4:18 pm

bowie they wont/cant shut your acc down, as they have been breaking banking law. banks have 4 working weeks to respond to your letter and give u an answer, if your not happy with it then you can file a claim at your local crown court, which they MUST either defend against or give out of coyrt settlement, bbc said that NO bank has chosen to defend themselves in court.

Max · Post by **Max** » Sun Mar 04, 2007 11:32 pm

i ma still awaiting a response, but only sent it off week before last

max

Dynamike · Post by **Dynamike** » Mon Mar 05, 2007 1:11 am

A few banks have been rumoured to close accounts when people get on to them about this. It's not as if their ethical in the first place so be careful. They've only got me once but I went on holiday the next day so couldn't be bothered with it.

Terry Tibbs · Post by **Terry Tibbs** » Mon Mar 05, 2007 9:53 am

ssgtsnelly wrote:bowie they wont/cant shut your acc down, as they have been breaking banking law. banks have 4 working weeks to respond to your letter and give u an answer, if your not happy with it then you can file a claim at your local crown court, which they MUST either defend against or give out of coyrt settlement, bbc said that NO bank has chosen to defend themselves in court.

bang on.

No bank will dare go to court. If they lose they set a precedent costing the industry billions. fear of this stops them.

True about the closing of accounts. All they letter is doing is asking for proof of costs ie. showing how the cost comes to £35 for going overdrawn - if they cannot prove it then the charges are unfair and unlawful - hence the money should be returned to your account.

I sent mine off last week totalling £765 for the past 5 years.

theoak · Post by **theoak** » Mon Mar 05, 2007 9:59 am

what are you lot on about?! why WOULD they shut down your account, and on what basis? They don't go giving away their customers just because you write them a complaint/query!