blonde poker forum

These have always annoyed me, now there is a answer.


http://news.bbc.co.uk/1/hi/business/6170209.stm

i've already lodged my claim.

certainly makes the process simple.

you may end up claiming back fees but i suspect that it will be robbing peter to pay paul....

banks will most likely as a result of this actually put in place higher stated charges for breaking tems and conditions and also raise interest rates for unauthorised borrowing...and ensure that its legal this time.

i cant help but feel you may get something today but they`ll take it back with interest at some point....

.

Yeah we discussed this a while ago and Rod posted a link that worked like a charm for people who had been charged through the nose.

ty ty ty ty for bringing this up :D

Im going home tonight to get the banks to send out my statements.. during my student days all my accounts were a mess and i was charged monthly... I reckon my claim is going to be in the region of 500-1000£££

:D

 http://www.bankcharges.info/ (http://www.bankcharges.info/) - has form letters for the bank statements request & the claims....

the amount i have been charged by a particular bank is scandalous, it was genuine error due to an uncancelled DD sending me overdrawn regularly and my bank statements going to the wrong address. They simply didn't care (they offered to refund one of the charges) when i tried to explain so i can't wait to get my money back off them.

I was sent a letter today from my bank (Halifax) telling me they were charging me because the direct debit I have for my car insurance was unpaid... I've been in financial bother since September because I walked out of my job/leon/my home etc and now trying to get my life back on track.

Do you think I'd be able to claim this back (and a few of the charges I paid this year?)

You can claim back any charges to your acount made in the last 6 years. If at first you don't succeed and the bank tries to fob you off then DON'T leave it . What they have been doing is illegal and thousands of people have already got their money back.

Yes, it's not the fact that you were charged.  It's that the charges have been deemed to be unreasonable.

It's not just your bank accounts either.  Credit Card accounts are also part of this. 

Wow. Just noticed I can do the same with store cards. I had a problem with this and was stupid enough to be tempted with the "sign up today and get x% off" crap and then received loads of charges. A few clothes that came to around £30 actually ended up costing me over £80.

Thanks for the link CelticGeezeer

I don't own a shredder, so I never shred my old bank and credit card statements. I don't own an underground nuclear bunker either, yet here I am anyway. Instead, I dilligently keep all bank communicaes for a period of no more than fourty-five seconds, before they get torn into no more than two pieces, and tossed into no more than one kitchen bin.

When I first heard about this bank charge thingymebob, I was initially concerned that not spending the last six years catologuing every single one of my bank statements into a sensible shoe box, was going to make it all rather difficult for me.

It turns out all that information is easily accesible though. Legally, your bank has to keep all your old statements under the Data Protection Act. It is your right to request them to reproduce it for you. They can charge a fee for this, but this fee cannot excede £10. They are also allowed to take up to 40 days, but are otherwise legally bound to produce, Exhibits A through Z, against themselves.

The DPA, what a funky law for scatty people! :)

The site Rod has linked to is a good one. They even have an example letter for the Data Protection requests. The meatier letters where you actually demand your money back, I can personally vouch that they do get results. Between the missus and myself, we're better off to a four figured degree for having done all this.

For anyone like me, who was a little irresponsible with their spending habits in younger times, it's well worth the hour or so effort it takes.

*5 years in Scotland :(

Has anybody on here actually followed their claim to the end. ACE2M and suited jock seemed quite serious in claiming back their charges, if so have you had any luck guys?

I, myself, am considering putting a claim in. If i dates back to the last 6 years that would take me back to when i was 21. I used to be a right loon with money when i was that age, its a shame it doesnt go back a couple of years longer but never mind.

i have printed off some of the template letters from the site i have also looked at some firms that offer a no win no fee scheme to save you doing the work. I think it might be worth it as i think the more people that try to claim back charges the more the banks will try and take you apart if you put a foot wrong. also im lazy, lol.

I notice the fees range from 15% to 25% for the firms that persue it for you plus VAT!
Get the wife to do it for ya Dan ;)

i've had an offer which i have rejected and waiting for them to come back with another.

My bank is a subsiduary of barclays who are apparently the hardest to get your money out of.

I have to admit that i went the lazy route and got a company who charge 20% inc vat because i'm just lazy.

I should have carried on and finished it myself as it is going to cost me a sizeable amount of money, i didn't realise just how much i had paid the robbing *****. Equivalent of nearly 3 months wages over 4 years!!!!

Nice going ACE, 20% inc VAT does not seem too bad, do they to everything for you?

yep. i signed the forms and off they went.

I will pm details later if you want them.

I did this, its appalling how the get the fees in, mine totalled £1271, and for 3 months running they charged £112 and my account was never overdrawn!

I sent them a letter on Monday recorded delivery to pay it in full or we were going to court, not heard anything back yet but half the time my phone is unplugged so they might have tried calling.

I also wouldn't advocate paying 20% to some ambulance chasing animal, theres a minute chance you wont win even if they did crack down on paying out, defo -ev

totalise, i know what you mean about paying for something you are likely to win anyway is probably throwing money away but i just think that it could be worth paying the money just to avoid the hassel.

i have found a firm that charge 15% inclusive of VAT. i reckon at a guess over 6 years i might have paid £2k. Now to me i feel that money is lost, gone whatever. If i was to get any of it back it is a bonus. if someone said to me right here is £1700 of that £2k and you dont have to do a thing for it i would be more than happy.

For £300 it would mean i would not have to send any letters off requsting data, chase up any letters i have not had from them, submit a court hearing and attend court(although i realise most dont grt that far) but like i said im lazy.

Martin Lewis put this up about a year ago, he has now added an interest calcualtor so that you can claim back the interest on the charges too

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,

It has sample letters and the steps to take if they refuse to pay you, like threatening court action, taking court action and eventually sending the bailiffs if necessary.

Calcualte the interest and really screw the banks ;)

Me, Clydesdale, they offered 70-80%ish of the total charges, I took it.

Took about 2 weeks after the statements came in. Well worth it.

Tank can i just ask why you accepted 70-80%. if you do not wish to answer thats fine

The reamining 20-30% didn't represent enough money for me to be bothered going to court, or threatening such action. I don't like to think of myself as the litigious type anyway.

Retired from the field of play early, declared a win.

You could always try this http://www.dailymail.co.uk/pages/live/articles/news/news.html?in_article_id=430129&in_page_id=1770&in_page_id=1770&expand=true (http://www.dailymail.co.uk/pages/live/articles/news/news.html?in_article_id=430129&in_page_id=1770&in_page_id=1770&expand=true)

A word of warning if you do this. Make sure you have another account open and ready to go , some banks are closing accounts after claims are put in.

Or take out a loan payable from your account, they'll never close it then!!

How did you calculate all the charges? Do you need to get all the statements and do it yourself or does the bank have to do it for you if you ask?

They have to provide your last 6 years statements for you if you ask for them, the data protection act.

They can charge you a fee for this, but the fee cannot exceed £10.  ;D

Adding it up seems like a lot of hassle, i will let the mugs keep the charges.

This is why I'm surprised a buisness hasn't been set up yet, to recover charges for lazybones like Royal Flush here.

They do all the work, (tiny bit of admin) and give you back 90% of what they recover on your behalf.

Like the ones mentioned earlier in the thread?

They'll all free and just give you templates do they not?

Not much more to do, I'll grant you. Just half an hour or so it'll take to sift through your statements.

I should have said, I'm just amazed there isn't a statement sifting service somewhere, for the likes of James up there. (That's not how they'd market themselves of course, but it's all they'd essentially do)

do yoy mean like this tank??

i know you are busy probably playing 450 SNGs tonight so i will let you off the misread  ;D

say for instance you believe you could get £1000 back, but you have an overdraft of -£700.

Would they simply give you a £300 credit, or a cheque for £1000

So you can get away from paying your overdraft?

(http://www.thehendonmob.com/forum/images/smiles/icon_lol.gif)

i can honestly say i dont have an overdraft and never have

Lol, I knew it'd be somewhere.

15% of 2k for half hours work, great innit.

The missuses overdraft arrangement was unaffected when she claimed.

I just phone my bank, firstly i asked for a new card and the pleasentness from the assistant was still there, when she asked did i require anything else, i simply requested a list of all bank charges fince the inception of my account, the change in attitude was astounding, I mean really obtrusive and as serious attitude problem.

to be honest i found it quite amusing, but i am claiming back every charge as my bank has screwed me over soo many times in the last 2 years and i checked the last 6 months charges last nigh and they amount to £400 and change, i expect to have my overdraft cleared and money back too, which will be nice.

I think these fekkers have gotten away with this for too long, and its about time they gave is back the £34 they charge for a piece of paper and a stamp.  ( ohh the ink too )

Posting my consent letter off today to a firm that will do this for me.
i reckon over 2 accounts for 6 years with all the problems Lloyds caused me regarding frauds and cancelling direct debits, stealing money from my accounts etc. it should be a tidy sum +£3k at least.
Lets see how long it takes, the firm should start on the 19th tick tock tick tock.

a) Is it easier to go down your local branch and ask for 6 years of statements or A list of back charges over the 6 years??

b) Would it be easie to do by phone.

P.S A Quick reply would be appreciated as i have decided im bloody sorting out this mess today!  

*EDIt- bit worried about asking for a list of charges as i am concerned they might 'Leave' off some.

As far as i know it has to be done in writing and they charge you for it.

Also surely you dont get every penny of the bank charge bank. I thought that in the BBC ARTICLE it was that they unfairly overcharged you so you get back a percentage!

this is one of those things I keep thinking I must get round to.  I'm at home today (daughter's sick) so I think I'll take the opportunity to dig out all my statements.  Got to be in excess of £1k owed to me I think.

Also what about credit card charges e.g. Late payments etc

Bank managers get it easy these days

http://news.bbc.co.uk/1/hi/magazine/6345765.stm


The pair had quarrelled over a bank loan, an argument that had led the banker to spread rumours about his client's creditworthiness. The merchant had in turn taken his accounts elsewhere and written a stiff letter of complaint to the Bank of Scotland headquarters in Edinburgh.

And that is where it would have stayed had not Morgan's temper got the better of him one morning when he struck Landale about the head with an umbrella in Kirkcaldy High Street.

According to eyewitness accounts, Morgan cried: "Take that, sir. By God, sir, you shall more of this yet!"

Before fleeing, Landale replied: "You are a coward, sir, a poor, silly coward."

One gentleman had assaulted another in public and so Landale had no alternative. He immediately challenged his bank manager to a duel. He wrote: "I must request that you will meet me tomorrow morning at seven o'clock... with pistols and give me the satisfaction which as a gentleman I am entitled to."

The site Rod has linked to here will help you out with all those questions KingPoker.

http://blondepoker.com/forum/index.php?topic=17925.msg365862#msg365862

They have an easy to understand walkthrough (even I could use it)

Cheers Tank
You truly are the people's moderator!

you calling Tank a drug crazed bimbo?

well i wasnt thinking bimbo but now u mention it...........................

Ok it seems one of the firms that do this for you could be dodgy:-

http://www.fsa.gov.uk/pubs/final/nationwide.pdf

What firm did you use Tank?

I didn't use a firm, just used the letter templates from Rod's link.

Exactly the way im doing it. Went down my local branch this arfo and asked for all my statement (which go back to 2002!- Cant wait to sift through them but moneys money!). Will be costing me a fiver, not bad, and will be getting them next week sometime.
I was a bit worried about letting someone have full access to my account details so i am going it alone.

Have to try and get my barclaycard statements aswell, hopefully get some more $$$ then or preferably £££!!!!!!!!!!

Has anyone had money back from Credit cards?
Can you claim money back for late charge fees, I think i've had more charges on my credit card accounts than my bank account.
Shall check my bank statements this weekend though.

BUMP!

Wow went to my local branch last week and ordered all my bank statements that have been issued on my bank account!

Well they came today and there must be at least 180 pages dating back to 2002!!!!!

I cant wait to sift through them!!!

Apparently after i mentioned this to my mum she saw it on the news earlier in the week and it seems it is entirely possible to get all of your money back and,

PS. I believe the Which? website has a very good template letter to use when sending off the claim sheet to your bank. If you havent done it-DO IT!! Its your money after all!

KP

It's not a chore, it's an exercise in nostagia.

There was a 3 month period back in 2003 where my statements look like this....

A Chisholm t/a Mcdonalds   +£xxx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
Excess Bad Boy charge - £xx
Unathorized naughty charge - £xx
O'Neills - £x
A Chisholm t/a Mcdonalds   +£xxx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
Excess Bad Boy charge - £xx
Unathorized naughty charge - £xx
O'Neills - £x
O'Neills - £xx
OI, We've warned you about this before charge - £xx
A Chisholm t/a Mcdonalds   +£xxx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
O'Neills - £xx
Tesco - £x ??????


The the online gambling hobby kicked in, and we really went to the races.

i know it did spot on the first few pages, my boys on tour holday to tenerife. 15 of us went and my atm transactions while out there are funny, way more money spent than i have on poker in the last year! good memories tho, will update if i find more interesting stuff!

Anyone know which banks are closing accounts down? Is Natwest?

Not sure, but I think that what happens is that the Bank make you an offer on the conditon that if you accept then your account will be closed. From what I have read in the paper this is only when the bank particuarly wants to lose the account and presumably the decision is made on a  case by case basis.

i read that the max claim in sscotland is 750 quid>??

can someone explain how they got more?


do u fire in multiple claims??

TV program about bank charges and bank's backlashes with Martin Lewis is on ITV right now. 8pm-8:30

enjoy!

cheers rich, he basically said whats in rods link in this thread. One thing i might add to what he said was that he recommended keeping copies of the letters you said, but advice on a website said you should also use recorded delivery when posting to the bank!

yes

I just received a Bill in from Tmobile the morning and THEY now want to charge me for a failed direct debit charge !!!

I am on the line to them now but their stance is that the bank charges THEM also and they are passing it on to me, So is it possible for me to claim this charge back also?

I am not taking any chances anyway, i've told em to remove it or they can shove their phones and their contract.

Sounds like they are talking a load of tosh to be honest. How much are they charging you and how much is their bank charging them?

meet the man who started the ball rolling - apparently he didn't like the way his bank charged him £64.00 for going £0.05p overdrawn.

http://www.thesun.co.uk/article/0,,2-2007090283,00.html

His quote at the end reads "its so simple even a monkey can do it" - Only time will tell!! :D

I'd advise that whilst dealing with mobile phone companies you exercise extreme caution. I'd certainly pay the charge and try to claim it back later.
When you sign up with a mobile phone company all of your bill payment history etc is recorded on your credit file.
Once something bad goes on there, believe you me, you will have a torrid time trying to get it removed, and the fact that it doesn't warrant being there holds no sway what so ever.
On 1 occasion I failed to pay an incorrect bill only to resolve the issue the next month and but was already marked up with a missed payment.
Although this pales into insignificance compared to the Water board who gave me a CCJ when I moved into my new house, for not paying the previous occupants bill. This is still on my record 6 years later!! Hate to think what this must have cost me in this time.

Thanks for the advice mate, although they cant frighten me with that, I'm already bankrupt lol

I don't know what effect this will have on people trying to claim charges back but one of the banks has won a case against a customer claiming unfair charges. The report states that it will not set a precedent as it was only a county court and not a high court.
http://business.scotsman.com/latest.cfm?id=755082007 (http://business.scotsman.com/latest.cfm?id=755082007)

Good to see some sense at last.  ;hide;

 :D ;applause;



 ;marks;