Excessive bank charges - anybody going to complain to their bank?

[EmmaG]

Jenny I wouldn't accept their offer as full payment, only as part payment, if you want the full amount you will get it.

Fran, which bank are you claiming against and I will find the address for you.

[Fran]

Originally Posted by EmmaG

Fran, which bank are you claiming against and I will find the address for you.

Thank you so much for your help Emma, it's the Halifax...

[EmmaG]

Here you go Fran.

Halifax Plc
Trinity Road
Halifax
West Yorkshire
HX1 2RG

Data Protection Act 1998
Subject Access Request

Dear Sir/Madam

ACCOUNT NUMBER: XXXXXXXXX



Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable.

Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you.

If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response.

I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

Yours faithfully,

[EmmaG]

Originally Posted by Fran

Thank you so much for your help Emma, it's the Halifax...

It is a pleasure Fran

[EmmaG]

Originally Posted by jenny

hi charliebubs, i think its any account. they arent legally allowed to charge u any more than administrations costs. so they cant charge you £30 a time for example.

Spot on Jenny, to levy the charges they need to prove that they cover their costs....which they can't (or wont)

[Fran]

Originally Posted by EmmaG

It is a pleasure Fran

I can't thank you enough Emma! I have so wanted to do this for ages now but have worried I might not do it right / didn't really know what I was doing. I have heard of so many success stories recently that I thought I ought to seriously consider doing it myself. Without your help Emma, I would probably not have bothered, so thank you and I'll let you know how things go x

[EmmaG]

No problem Fran, I think everybody either doesn't believe that it will work or are worried by what the banks can do.

If you need any help just shout, that also goes for anybody else who would like some help

[jenny]

hi emma, i cant find a template letter for refusing an offer? they havent given me the money, only offered to put it in my bank.
what do i need to write?

[charliebubs]

Originally Posted by Fran

I can't thank you enough Emma! I have so wanted to do this for ages now but have worried I might not do it right / didn't really know what I was doing. I have heard of so many success stories recently that I thought I ought to seriously consider doing it myself. Without your help Emma, I would probably not have bothered, so thank you and I'll let you know how things go x

I'll second that - a big thank you to Emma!!!!!

[EmmaG]

here you go Jenny, something like this


Dear sirs,

Thank you for your letter dated XXXXXXXXXXX

I will accept your offer of £XXX as PART payment ONLY and I will continue to pursue you for the remaining of my claim which totals £XXXX. Failure to refund these charges to me IN FULL by XXXXXXXX will leave me with no alternative than to pursue my whole claim, including interest, through the courts.

Yours faithfully