Is it me or is this plain wrong.?

[boldie]

this si what I said..they do inform you of the charges when you open the account....

but use Rods link..it's usefull.

[SupaMonkey]

I just rang First Direct and they said that it only applies to credit cards (Visa etc.). Are they right? Reading that OFT statement it does only say credit cards.

[boldie]

I just rang First Direct and they said that it only applies to credit cards (Visa etc.). Are they right? Reading that OFT statement it does only say credit cards.

true it does..but the banks know full well that the statement by the OFT has wider implications for them and that they should take that itno account (in other words...stop over charging people or the OFT will go monkey on their arses)

[roverthtaeh]

It worries me ever-so-slightly that so many "poker players" are overdrawn.

Maybe I should try Tiddly-Winks instead......

[mikkyT]

I am shocked at the charges british bank can get away with...33£for a failed SO DD or whatever. or 30£ if you go over your overdraft limit...that simply isn't allowed ANYWHERE else in the EU. It is shocking to see what the people will put up with if they don't know any better.

They can't get away with them - you can claim back any charge over £12 going back 5 years in Scotland, 6 in England. Check the link.... http://www.bankcharges.info/

REALLY!?!?! Well I better get on the blower, cos they got a shit load of charges off me that I want paid back

[mikkyT]

I might be able to backroll myself for the circuit if this works!

Rod, you are a star. Can't believe I'm saying this, but you are.

[mikkyT]

Michael Thomas
<Address>
<Telephone>

Halifax PLC
Customer Relations
PO Box 548
Leeds
LS1 1WU

17 October 2006

Dear Sir/Madam

Re: Data Protection Act 1998 request for Michael Thomas

Account: xxxx
Account: xxxx
Credit Card: xxxx


Please send me the information which I am entitled to access under Section 7(1) of the Data Protection Act 1998 (the ‘1998 Act’) in relation to all charges which you have applied to my above noted accounts within the last 6 years from the date of this letter.

If you require any further information please let me know as soon as possible. 

Please take this letter as permission to charge my account with a fee in favour of your bank to the sum of £10 with respect to the maximum statutory fee for processing this request.

I look forward to your response within the maximum 40 day time limit under the 1998 Act.

Yours sincerely





Mr Michael Thomas

[mikkyT]

Seems there lots of success stories:

http://www.govanlc.com/yourcomment.htm#DPA

From: M
To: mail@bankcharges.info
Sent: Friday, September 29, 2006 4:24 PM
Subject: refund of charges hali fax bank
whoopee SUCCESS !!!!, may i say a big big thankyou to you and your website, just had all my bank charges from the last six years refunded total £2,787.00 plus court fee of £120.00. sent off the first letter , offer of £260., sent second letter , offer of £600. then filed a claim in the small claims court to which they replied by saying they (the halifax) were within their rights to extract these charges from my account but they were refunding the charges as it would be too expensive to defend in court and that they would not be able to recover their costs if they won.
my advice to anyone wanting to persiue the banks for unfair charges is to go for it .
if i can do it then anyone can!!!!. once again thankyou for the invaluable service that you provide.
kindest regards
melvyn

[mikkyT]

Sorry to spam this thread.....

mikkyTs plan of action:

1) Get list of charges applied to accounts over the last 6 years (I live in Scotland now, but I didnt 6 years ago).

2) Attempt to claim said charges back. Also attempt to claim interest accrued on said charges (this might take some work).

3) If 2 fails, take Halifax to the small claims court. Add on costs for loss of earnings whilst working on this case and court costs. Plus £30 per letter issued to the Halifax (if they where ignored)

Get very rich (when I was redundant in 2001 after having blown my redundancy money, it was not uncommon to have 6 or 7 direct debits failing, charging me for each one and the resulting overdraft that followed). Oh, and I currently have a large credit card bill which is due to not being able to make a payment during those months I was banged up. They refuse to refund. LOVE to see their faces when they realise that most of my bill willl now vanish due to the charges being paid back.

[Poppet7]

Rod better watch out...I've just heard what Mikky will do to him if it works!

I'd be afraid!

[mikkyT]

No, all deals are off. Rod is conspiring against me by getting everyone to join the ICHUC 4 Nations qualifier with the sole intention of putting me out.

[mikkyT]

Actually, sack the letter. I got a notice through the door that a halifax representative will be calling on 20th Oct to discuss my CC arrears. I shall serve them with my notice of intent then, and suggest they write off my bill or face expensive legal action.

WOO HOO Rod is a hero.

[matt674]

stop over charging people or the OFT will go monkey on their arses)

i'll do no such thing on any part of their anatomy - especially there!!

[thetank]

Please send me the information which I am entitled to access under Section 7(1) of the Data Protection Act 1998 (the ‘1998 Act’) in relation to all charges which you have applied to my above noted accounts within the last 6 years from the date of this letter.

You mean you don't keep all your statements in a colour coded shoebox? 

(Nor do I, using same letter)

It worries me ever-so-slightly that so many "poker players" are overdrawn.

Maybe I should try Tiddly-Winks instead......

We're talking the last 6 years here. A very long time in politics indeed.

(Ok, So I'm next to skint at the moment too, but have avoised charges for the last 2 years )

[thetank]

I'm amazed there hasn't been some sort of "company" set up to recover 90% of peoples lost charges with adverts running alongside all those debt consolodation ones.

If it's as easy as Rod's website implies, they'd make a mint offa skint people (or people who were skint) and the spare 10% they won't begrudge.

Respect to people who set up sites like this to help people, without trying to get rich in the process.