Argghh! I don't know what to do!

[dannster]

I managed to get all of my statements by online banking and have a note of all the charges!

 

28/03/2005 - Interest to 06MAR2005 - £0.17

25/04/2005 - Charge Recall S/O-D/D - £30.00

10/05/2005 - Charge Card Misuse - £30.00

11/05/2005 - Charge Unpaid Item - £10.00

24/05/2005 - Charge Recall S/O-D/D - £30.00

28/05/2005 - Interest to 06MAY2005 - £0.66

23/06/2005 - Charge Recall S/O-D/D - £10.00

28/06/2005 - Interest to 06JUN2005 - £1.13

05/07/2005 - Charge Card Misuse - £10.00

06/07/2005 - Charge Recall S/O-D/D - £30.00

12/07/2005 - Charge Recall S/O-D/D - £30.00

20/07/2005 - Charge Recall S/O-D/D - £30.00

28/07/2005 - Interest to 06JUL2005 - £1.85

05/08/2005 - Charge Card Misuse - £10.00

05/08/2005 - Charge Card Misuse - £10.00

28/08/2005 - Interest to 06AUG2005 - £3.11

21/09/2005 - Charge Recall S/O-D/D - £60.00 (!!!!!!!!!!!!!!)

27/09/2005 - Charge Recall S/O-D/D - £30.00

28/09/2005 - Interest to 06SEP2005 - £4.26

28/10/2005 - Interest to 06OCT2005 - £5.10

28/11/2005 - Interest to 06NOV2005 - £0.42

28/12/2005 - Interest to 06DEC2005 - £0.30

30/12/2005 - Charge Card Misuse - £10.00

04/01/2006 - Charge Card Misuse - £10.00

04/01/2006 - Charge Recall S/O-D/D - £60.00

28/01/2006 - Interest to 06JAN2006 - £1.35

 

What do I do with these now? I have requested for this information from the bank and just awaiting their response.

 

Should I send them a letter with these charges asking to be refunded? What do I do? And is it right I can charge the bank 8% APR per day for each charge??

 

Please help!

 

Dan

[dannster]

I managed to get all of my statements by online banking and have a note of all the charges!

 

28/03/2005 - Interest to 06MAR2005 - £0.17

25/04/2005 - Charge Recall S/O-D/D - £30.00

10/05/2005 - Charge Card Misuse - £30.00

11/05/2005 - Charge Unpaid Item - £10.00

24/05/2005 - Charge Recall S/O-D/D - £30.00

28/05/2005 - Interest to 06MAY2005 - £0.66

23/06/2005 - Charge Recall S/O-D/D - £10.00

28/06/2005 - Interest to 06JUN2005 - £1.13

05/07/2005 - Charge Card Misuse - £10.00

06/07/2005 - Charge Recall S/O-D/D - £30.00

12/07/2005 - Charge Recall S/O-D/D - £30.00

20/07/2005 - Charge Recall S/O-D/D - £30.00

28/07/2005 - Interest to 06JUL2005 - £1.85

05/08/2005 - Charge Card Misuse - £10.00

05/08/2005 - Charge Card Misuse - £10.00

28/08/2005 - Interest to 06AUG2005 - £3.11

21/09/2005 - Charge Recall S/O-D/D - £60.00 (!!!!!!!!!!!!!!)

27/09/2005 - Charge Recall S/O-D/D - £30.00

28/09/2005 - Interest to 06SEP2005 - £4.26

28/10/2005 - Interest to 06OCT2005 - £5.10

28/11/2005 - Interest to 06NOV2005 - £0.42

28/12/2005 - Interest to 06DEC2005 - £0.30

30/12/2005 - Charge Card Misuse - £10.00

04/01/2006 - Charge Card Misuse - £10.00

04/01/2006 - Charge Recall S/O-D/D - £60.00

28/01/2006 - Interest to 06JAN2006 - £1.35

 

What do I do with these now? I have requested for this information from the bank and just awaiting their response.

 

Should I send them a letter with these charges asking to be refunded? What do I do? And is it right I can charge the bank 8% APR per day for each charge??

 

Please help!

 

Dan

[BankFodder]

8% is only available if you take it to court

[BankFodder]

8% is only available if you take it to court

[dannster]

Yeah, the account was set-up in November 2004, so I only have charges from that date onwards.

 

I sent them the old letter which asked to be refunded and a list of charges to be sent to me and not heard anything yet. It's been a week.

 

Should I just send them the new letter with those charges above added to it?

 

And should I send it to my branch? How long will they have/can I give for them to refund it? And is it likely that they'll refund it all?

 

Thanks so much again!

 

Dan

[dannster]

Yeah, the account was set-up in November 2004, so I only have charges from that date onwards.

 

I sent them the old letter which asked to be refunded and a list of charges to be sent to me and not heard anything yet. It's been a week.

 

Should I just send them the new letter with those charges above added to it?

 

And should I send it to my branch? How long will they have/can I give for them to refund it? And is it likely that they'll refund it all?

 

Thanks so much again!

 

Dan

[JimBobWalton]

Hi

 

Excuse me if I am being a bit thick, but I am new to this... I am a bit confused here....

 

Looking at the list of charges provided, how come you are including the the interest charged on the overdraft...? I would have thought that the interest was a fair and reasonable charge for being overdrawn.

 

Surely the only recoverable charges are only the unreasonable and unfair portion ie. the main charge...?

[emmcartwright]

Trouble is, it is hard for us to judge which is reasonable, because it seems by my statements that they charge interest on the OD (fair enough) but the interest for going over the OD limit which has happened by them putting on OTT charges is included in that figure. So howmuch to claim for?

[emmcartwright]

Thanks Dave, having read your reply I have removed the interest charges from my claim figures. I agree with you in that the interest is their compensation and that while, morally, the intrest from the charges is mine, I really cant be bothered with the advanced maths it would take to claim it back!

 

thanks again

 

em

[dannster]

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