Mud-club

Chat & Social => The Bar - General Chat => Topic started by: MudRat on January 26, 2007, 19:37:52

Title: WHOOPEEEEE!
Post by: MudRat on January 26, 2007, 19:37:52: Just claimed back my bank charges, Barclays have settled out of court for the tune of 710 quid!!!!!!!!!!! It cost me the price of a 1st class stamp!! New computer here i come!!
Title: Re: WHOOPEEEEE!
Post by: dreadnought110 on January 26, 2007, 19:39:31: Quote from: "MudRat"
Just claimed back my bank charges, Barclays have settled out of court for the tune of 710 quid!!!!!!!!!!! It cost me the price of a 1st class stamp!! New computer here i come!!
Details please they keep sending me lovely letter's :( :( and charging for the privelege....
Title: WHOOPEEEEE!
Post by: old joe on January 26, 2007, 19:39:41: i thought it was new trailer?

Dazza
Title: WHOOPEEEEE!
Post by: Edge on January 26, 2007, 20:04:14: yeah, please give us details on what charges youve managed to get refunded.... over the years the banks have taken lots off me with charges for this and that
Title: WHOOPEEEEE!
Post by: thermidorthelobster on January 26, 2007, 20:20:34: http://news.bbc.co.uk/2/hi/business/6170209.stm
Title: s
Post by: MudRat on January 26, 2007, 20:21:50: Easy, you can claim back all your bank charges (overdratft penalties, bounced cheques, letters etc) for the past 6 years. Basically the amount they charge you is a penalty rather than a true and realistic figure for their time etc. I claimed back just over a 1000 pounds, and they offered me 710. If they don't i can take them to small claims court, which some people have done, but the bank never go and settle out of court (and pay your fees) just order your bank statements for the past 6 years, highlight all the charges, total them up, Type and fill out this letter http://news.bbc.co.uk/1/hi/business/6170209.stm (other details etc are on this website) wait 14 days, a letter will come back saying they are dealing with it, then a bit later on the offer will come through. I am not being greedy so I am accepting the first offer (plus I cannot be arsed to go stump up 250 for the court claim even though i get it back) Do it its easy!
Title: WHOOPEEEEE!
Post by: Edge on January 26, 2007, 21:04:30: Brilliant...... looks like i may be able to afford a trip to new zealand after all....

CHEERS GUYS :D :D :D :D :D :D :D
Title: WHOOPEEEEE!
Post by: K2 on January 26, 2007, 21:20:41: Does this apply to Scotland as well :?:
Title: WHOOPEEEEE!
Post by: landraver on January 26, 2007, 21:39:34: Yes, although in Scotland you can only go back 5 years instead of the 6 years in England & Wales.

Jeff
Title: WHOOPEEEEE!
Post by: thermidorthelobster on January 26, 2007, 21:47:52: After reading this thread I'm about to do it myself. It could hardly be easier. I'm surprised though that I've not actually paid that many charges! Mostly the bank has been charging me interest, but no penalties. Cunning devils.
Title: WHOOPEEEEE!
Post by: way2deep on January 26, 2007, 21:55:03: why is this ? am i missing something here ? was it declared that these charges were illegal so you can claim them back ??
Title: WHOOPEEEEE!
Post by: tenpolequint on January 26, 2007, 21:59:04: Thanks for that information, unfortunately I have been in the black for several years. Even if only just.
Title: WHOOPEEEEE!
Post by: muddyjames on January 26, 2007, 22:03:08: Whats a bank charge? I have never got any that I am aware of. Why would I get one?
Title: WHOOPEEEEE!
Post by: ChrisW on January 26, 2007, 22:06:29: See this thread (http://forums.mud-club.com/viewtopic.php?t=34307)
and
www.moneysavingexpert.com (http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,)
Title: WHOOPEEEEE!
Post by: discojames on January 26, 2007, 23:41:38: The whole reason I have a Discovery is that I successfully claimed back over Ã‚Â£10,000 in charges and interest from RBS!!!!!!!!!!!!

Response from 1st letter = offer of Ã‚Â£600

Response from 2nd letter = offer of Ã‚Â£6000

Rang them, 2 days later agreed to settle for the full ammount and interest!!

Thank you RBS for enabling me to become a LR owner!!!!!!!!

James
Title: WHOOPEEEEE!
Post by: Disco-Ron on January 26, 2007, 23:47:09: Never paid a penny myself... shame, i could do with an influx of cash too....
Title: WHOOPEEEEE!
Post by: thermidorthelobster on January 27, 2007, 13:06:49: I'm going to claim back the penalty charges they charged me when I didn't pay my credit card bill straight away. The interest is fair enough, but the penalties are arbitrary.

Way2deep, if you follow the links to the BBC website and elsewhere you'll see exactly why people are claiming these charges back.
Title: WHOOPEEEEE!
Post by: Yoshi on January 28, 2007, 17:22:28: The reason that the flood gates have been opened is that the OFT (i think it were them) deemed the charges unacceptable as they were not a true reflection of how much it costed to inform you of the error. Also they deemed that they were not meant to be a financial penalty.

But alot of people have been doing it for months and months!
Title: WHOOPEEEEE!
Post by: lenrover on January 28, 2007, 17:57:24: This is fantastic 8)

There has to be a catch though right? :?
Title: WHOOPEEEEE!
Post by: lenrover on January 31, 2007, 16:25:03: Just applied for six years worth of statements :lol: getting charged Ã‚Â£5 for them but I'm always going overdrawn so its gotta be worth it

I can feel some arb's and an 8274 coming 8)
Title: WHOOPEEEEE!
Post by: Evilgoat on January 31, 2007, 16:28:57: Waiting for Halifax to get in touch with reality and try another offer before I give them a small claims court summons for almost Ã‚Â£900

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632
Title: WHOOPEEEEE!
Post by: spyke_boi on February 01, 2007, 00:52:27: Just requested my statements and payed my fiver.... Halifax are going down!!! :twisted: :twisted: :twisted: :twisted:
Title: WHOOPEEEEE!
Post by: lenrover on February 01, 2007, 14:00:07: YEAH!!!! viva la revolution :shock: :lol:
Title: WHOOPEEEEE!
Post by: Moneypit on February 05, 2007, 13:54:02: Be careful as I have just done this, the bank refunded Ã‚Â£1000. Yippee

Then 2 weeks later cancelled my overdraft facility. Now up a creek without a paddle trying to sort out.