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

EmmaG · 25-06-2006, 03:36 PM

This has come up on another forum I am on. I am just going through our old bank statements and seeing how much we have paid over the years, any charges since we have done the internet banking seem to be very low but there are quite a bit for some of the previous years.

I am going to summarise all of our accounts and then right to the bank. Has anybody else done this?

CathyW · 25-06-2006, 08:00 PM

i had a link to a site that helps u get your charges back, ill have to find the guy whos link it was lost it

EmmaG · 25-06-2006, 08:18 PM

This seems like a good one, this is the forum I am using

http://www.consumeractiongroup.co.uk

Just doing the letter and summary to one of our banks which had a lot of charges on it a few years back (before internet banking and we didn't really look after the account as we should have - but one month we had £240 worth of charges!!) Total of that claim is just under £3,000 !! Going to do this one first as it is the biggest.

Strangely now we hardly have any charges on our account, internet banking seems to be good for some things

EmmaG · 14-07-2006, 09:45 AM

Well just to update this, I did two letters for my OH for the HSBC bank using the templates on the Consumer Action Group and he have had an offer of about 80% of the claim!!! I hope he will reject it and go for the full amount, but I just wanted to let people know this DOES work and could help a lot of people out. You can go back 6 years.

CathyW · 14-07-2006, 12:32 PM

well done to you

EmmaG · 15-07-2006, 08:48 AM

Well just had my offer from the HSBC bank, which I am going to accept

woohoo!!!

Fran · 15-07-2006, 08:59 AM

Very well done Emma!! Is it a long and complicated process? How easy is it to do what you have done and how did you go about it?

Mags · 15-07-2006, 11:37 AM

Well done Emma!!

EmmaG · 15-07-2006, 07:32 PM

Fran it is very easy, 1st letter requesting refund (there are letters on the Consumer Action group webiste you use as templates) then a second letter before action, saying if they don't refund the charges within 14 days you will issue court proceedings against them (you might actually have to do this) HSBC have put offers in for both of our claims

Abbey however I suspect we will have to issue court proceeding against them, but we will get to add 8% p.a. interest to our claim at that point

If anybody wishes to do this and would like some help I would be happy to help anybody, just PM me.

EmmaG · 19-08-2006, 08:20 AM

Well HSBC has paid out now £650 and also a claim of £4,000!!!! woohoooo

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