Can you really get your bank caharges back?
Answers:
Yes, you can get your bank charges back for the last 6 years, and it all can be done yourself, with little actual work to do!
Hundreds of thousands of people have claimed / are claiming their charges back, and for the time being as long as you follow the correct procedure you can't lose.
The process shown below is the one you need to follow to claim your bank charges back. Also have a thorough read of my site below which tells you everything you need to know to get 100% of your charges back yourself.
The process and timescales for claiming bank charges back yourself is:
1) Write to the bank and ask them for a copy of your charges for the last 6 years, or alternatively a set of statements for the same period. You do this by making a "Subject Access Request" under the Data Protection Act, enclosing a cheque for £10 made out to the bank. This by passes the banks normal charges for statements which is normal a large amount for 6 years worth. The bank have 40 days to send you the data.
2) Write to the bank asking them to refund your charges, giving them 14 days to reply, attaching a "Schedule of Charges" (a list of the charges you are claiming for).
3) Send the bank a "Letter before Action" giving the bank one last chance to refund your charges before you take court action. They have 14 days to reply.
4) File a claim online using the Money Claim Online web site run by the UK Court Service. The claim is served on the bank 5 days after its submitted. The bank has 14 days to acknowledge the claim. If they don't you can request a "Judgement by Default" and you win the case, and get your charges, statutory interest at 8%, and your court fees.
If they do acknowledge the claim, they then have 14 days to submit a defence (making 28 days in total from the date the claim was served). If they don't then you can again request a "Judgement by Default", and get back your charges, interest and court fees as above.
If they file a defence, then you and the bank get an "Allocation Questionnaire" to fill in. Some judges dismiss the case at this stage, as the bank can't win, so again you win. If this doesn't happen, a hearing date is allocated. The bank will either back out before the hearing, or won't turn up in court. Again you win the case and get your charges, interest and fees.
Follow the correct procedures and you will get your charges back! Its important to send all letters to the bank and courts by recorded delivery, so you can prove they were received, and more importantly when they were received (which you can find from the tracking section of the Royal Mail web site).
Also make sure that you send all letters to the banks head office, and not your local branch. Don't phone the bank either, as this can delay things and you have no proof of whats been said.
Have a look at my site below which has detailed step by step guides to the whole process of claiming your charges back. It also has template letters you can put your details into and send to the bank, and forums for one to one advice. We also have a guide to filing your claim in court online, which is unique to the site.
My site has helped numerous people get their bank charges back, and I help new people on a daily basis. I`m sure it will be of use to you and will help.
The site is free to use!
Yes I got mine back. Keep at it.
if you can spell for sure
yeah... my other half is doin it now... barclays. he's mate got loads back
Yes but do it quick if I was you as everybody seems to be doing it so there will be a clause eventually..
Im not sure which bank it is but yes I saw it on the news yesterday you need to write to the bank asking them to list all the charges you have had and once you have that you can claim it all back plus interest, think its barclays.
Dont take no for an answer. The louder you shout the more under their skin you get, the more prepared they are to make you go away.
(Ex Bank manager)
you can go back as far a 6 years
yup you can! there are loads of places to get template request letters for your bank statements if you are unsure how to word it, try typing it into yahoo search or better still contact your local citizens advice centre. they're great with helping on things like this!
Yes, I've got mine back, more than once
Check this out. There are proper templates to download and i recommend the wee vid.
Pinkster
yes
Well a lot of people on here keep saying you can ,but how many actually do I don't know.The banks will resist repaying charges as much as they can and it might prove difficult to make them do otherwise.The banks will argue that you must have done something wrong to incur the charges in the first place and you agreed to their terms when you took out your account with them.If you have not overdrawn or bounced cheques or failed to meet standing orders and direct debits you should not have any charges to worry about.
Yes, I followed the template letters in The Daily Mail and got back mine from two banks which I claimed them back from. In fact I got double from one bank because they decided to fight and then capitulated so I claimed the charges, the court fee, postage, Recorded Delivery charges, Stationery costs and Secretarial costs in preparing the various letters.
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