Well you do look after us Smile bods!

I originally posted this in the RBS forum but someone asked me to put it in here to give an idea of what happens in the bank when you ask for charges back - I'd imagine it'll be similar sort of idea for other banks... Enjoy How charges get refunded for personal (ie no business) RBS customers In Branches: Any member of staff can take your complaint / request for charges back (at the counter, by letter or phone) We are trained to log this an official concern (complaint) on the sytem but be wary not everyone will take the time to do this as its time consuming. The staff member should at the very least refer the matter to the rel

Just thinking a useful addition might be a letters thread where any consumers replies to banks etc. could be posted for reference or copying. I know we have the templates which are absolutely great but there are a lot of letters out there which i have found a great reference but can take ages to find. An example would be if the bank offers a small settlement and you want to write back accepting it as an interim payment I was looking for a letter for this today and it took me ages to find but if the letters were all in one place then this would be very helpful. Woolfie

Do we allow BMW drivers on here?.... what... we do?? Oh OK... welcome Emma to a fantastic site When you get chance (and if you want to) could you open a new thread on the Barclays forum so you can have a little place of your own to keep us up to date and where you can ask any questions you might have.

Yes , you can split a claim, but it is best to run them concurrently not simaltaneoulsy, otherwise the bank could ask for the claims to be 'joined' which would take the claim out of the small claims track As regards interest, when you go overdrawn the bank will charge you interest, perfectly lawfully. However if part of your overdraft is made up of penalty fees, they are also charging you interest on these too and it is this interest which you are entitled to claim back and it's tricky to separate out from the total interest figure. Vampiress has a spreadsheet, in the bank templates library, which attempts to calculate this

Hi and welcome, i would split the claim in the half because you need to keep it below 5000 before interest is added on i believe? you put the 8% int on when you are ready to claim in court! the int you can apply now is any they have charged you on your unauthorised overdraft only! good luck:)

send a breakdown of charges, with your lba letter and stick to your timetable, this is just a stalling tactic by the banks, as they can acces all your charges history by clicking one button

you dont need to send a charges breakdown yet, so remove that line from your preliminary,, the wording total charges refers to the cumulation of charges, for instance a one off fee would be charged if you had a cheque bounce, but if you were over your overdraft limit, for say 2 days, then they would have a charge per day for that, hence they add all such charges up, and tag them on at the end of the month as a seperate issue to one off fees

Bear in mind Bev, that if it comes to issuing a court claim (as it almost certainly will with Lloyds) you may end up having to pay the court fees for all 3 cases at the same time! That said - good for you, sock it to em

Hi and welcome, My understanding is that you can claim back all of your charges apart from the standard bank fee for an agreed overdraft. Do you have an agreed overdraft?

Midnight tonight at the Moto service station bring brown paper bag full of money.... Not really, you can pm Dave or Bankfodder for details... they'll tell you how it can be done

Do you have Wordpad installed? Start > Programs > Accessories > Wordpad This should do the trick

well the possibility of account closure is a real one even if you only make one claim, but the bank is a business at the end of the day and they arent going to want to continue paying out for charges so they may well close you account if you persist in accruing charges and then reclaiming them (i'm not condoning the bank), my advice is if both accounts total up to less than £5k then go for it together, but make sure you set up a parachute account first just in case

If you have an authorised overdraft, then the bank will make a charge for this service...... You cannot reclaim this. Overdraft penalty charges, refused direct debits and charges for making payments when you're overdrawn etc., can be reclaimed. These will usually be round figures....£10, £20, £25, £30, £35, etc. Good luck with your claim.

Hello Wardyboy, and welcome. You only add your 8% if you go as far as court, not before It is not likley your account will be closed, but as you say, best be safe. As for the online banking statements, I had the same trouble, and had to send the letter because the website would not allow it, I did try. I don't know why some have no trouble, and others like us seem to. All the best with your claim Crusher

To view your statements, click on my accounts, select the account and there should be an option on the left along the lines of my statements. These will go back 6 years (confused me at first as well). Good luck

This is calculated as the amount claimed (not including court fees) x 0.00022 - it will give a figure in pounds & pence that you state on your claim using the previous statement, substituting your value.

As I understand it, you can either do it on their behalf by sending a copy of a signed authority that states that you are empowered to act on their behalf with the letters you write, or you can do all the paperwork in their name rather than yours and just get them to sign it each time. Make sure that you state that you want all correspondence in writing to avoid problems with them phoning the account holder instead of you. If you act on behalf of, then it may be worth stating this against your signature in each letter, and always enclose a copy of the letter of authority. Something like: - Yours faithfully, Andy Capp

hi richard im first trust but basically the same all a shower of b*****ds. just the same way of claiming as on mainland except the small claims limit is just2k.

lol nice ;-)

Hi and Welcome You should send the £10 as they may use it as a stalling tactic seen as you was told verbally that they where not going to charge you,no harm in sending it as if they keep to what they say they will either not cash it or return it. keep us posted

Dear Littlesherbie, Alan is absolutely correct. This is their attempt to test your nerve. You have to remember that you carry all the aces! The charges are legally unenforceable, therefore going to court is the last thing they want to do! It would expose their shameful tactics to everyone and more importantly they would LOSE! They know there are very well informed irrate consumers, not afraid to assert their rights! In terms of business risk, it is much cheaper if they have to pay those savvy enough to challenge them, rather than expose themselves to everyone and risk really huge losses! Fortune (or a refund) favours the brave, especiall

You can PM any of the moderators with your claim details to be added to the litigation in progress. Also you must accept any offers they give you as long as they are not in full and final settlement or have conditions attatched ie: confidentiality .If they do then you accept the offer but reject the conditions .It must be made very clear that you are rejecting the conditions

I've made quite a few notes against the service agrument, as I know I will up against it when I claim against my bank (NW). I have to agree the Lloyds defence is the best seen so far and does need some thought to successfully get round it. To clarify some points on the SOGAS act - "where the price of a service is not fixed at the time the contract is made, a reasonable price will be implied" Although the price of charges is indeed agreed when you first take out an account, this argument coul dbe used when the bank has since changed their charges. In this case it could come under the Sale of Goods act as the agreed fee would no lo

We could discuss it all day. No-one in legal practice talks about Denning anymore (which is a shame since he was such an interesting chap) Thats the realm of undergraduate law students. In a consumer contract uncertainty will always be construed in favour of the consumer. My own bank's T&Cs are not clear about the services provided, or whether the charges relate to a service and the uncertainty will and should be resolved in my favour. If the price for a service is agreed in the contract section 15 SOGAS has no application and there will be no discussion about mark-ups or a "reasonable bracket". Looking at the threads on th