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"I find your lack of faith disturbing young skywalker!"
The banks are losing this particular battle, can only hope they lose the war! |
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Had reply from bank, they are prepared to pay the excess charges but no interest. Good enough for me! Another battle the banks have lost.
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Excellent news colbtech! Spot on!
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You guys are getting all the easy ones.
Hey ho to LTSB and court I go ;) |
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Has anybody hit the credit card companies about charges yet? Does the same rule apply to them?
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Funny you should ask as I'm just about to MCOL Cap1 and B'card.
Yes the process is the same, but slightly easier thanks to the OFT's report from April 2006 about charges. You'll be offered the difference between the old charge and the new one, but don't buckle and you get it all back. Now the nice thing about cards is the fact that you signed a detailed contract, so claiming the charges PLUS interest is a lot easier. Just get your usual templates and adjust as needed. Also don't forget NOT to limit your claim to just 6 years, go for the whole time you have held the card. The charges are normally Over Limit and Late Payment, annual fees and cash advance fees cannot be claimed. If you have some spare time here's the OFT's report: The Office of Fair Trading: Calculating fair default charges in credit card contracts (April 2006) |
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God, I'm really slacking on this, got a load of other stuff on the go.
Anyway received this morning a nice letter from LTSB saying the usual stuff and we'll give you £750 to go away. Hmm seems nice of them, but that's a third of what they owe me. Oh well time for another letter and see if I can get them to up their offer. Compromise letter slways looks good in front of the courts ;) |
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A third? That's insane! You tell 'em CB!
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The £750 offer from LTSB seems to be pretty much the norm from these people as an opener.
Bsically I'm being really lazy with this one, as I'm not inclined to push too much as I do actually like banking with them, that nad the fact my whole claim is for 10 years WITH compound contractual interest on top ;) That and I can't be bothered to try and find another account and then go through all the hassel of setting everything up again. |
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Well just checked my account online and what do I find
 Originally Posted by LTSB Acc
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Ha ha, the cheeky barstewards! I've heard a couple of people say that some banks have done this! It's unbelievable!
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WoW big developments afoot: BBC NEWS | Business | Banks agree to charges test case
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Well a slight update.
Due to the OFT test case my Bank claims are on hold, but that hasn't stopped me going for credit card charges. Received in the post a nice cheque from capital 1 for charges from 5 years ago, just over £850 ;) Admittedly I did have to file at court, but they came back with the dosh after 3 weeks. It's all good.:D |
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Can anyone help me in how to go through the prosses of claiming back my back charges I've been told I need to get the last 6 years of bank statements?
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Lez, gald to see you have arrived with the winning side rather than progressing with a claim company.
As I mentioned earlier the whole process is really straight forward. The best letters I have found and personally used are available here: Bank Templates Library - The Consumer Forums You need to be a member, but don't worry as it's free. Start with letter #1. This is the request for transaction information from your bank. Don't limit yourself to 6 years, ask for everything as under the Data Protection Act they must comply with ALL the information that they hold. |
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Great thread! Can't it be made a sticky?
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Like that ;)
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"Like that"
Sorry, was it one already and I missed it? Or have you just made it one? I have a few friends checking it out that's why I said. |
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Just stickyed it ;)
If your friends need any help, feel free to shout. |
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I will thank you.
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