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Date: Tue, 19 Dec 2006 02:05:46 -0800 (PST)
From: "Equity Bank Lotter Transfer" <equitybanklotterydepartment@yahoo.com> View Contact Details Add Mobile Alert
Subject: ... |
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flickerboo | Bank penalty charges ?????????????????????? |
have just sent off 1st letter how long do the banks take to respond what are the chances of getting my money back several thousands |
 |
 
Arrain
|
Hi - your question appears to concern two things:
Q1. How long til the bank responds, and
Q2. What are your chances of getting money back.
I will address each in turn.
A1. Banks are regulated by the Financial Services Authority, and as part of this regulation they must act in accordance with the FSA Handbook. The specific section about complaints is called DISP, and sets out that firms must
a) acknowledge your complaint within 5 days
b) write to you within 4 weeks to tell you how their investigation is going
c) provide a 'final response' to your complaint within 8 weeks
If you are not satisfied with the response, or if the firm isn't able to respond within 8 weeks, you can refer your complaint to the Financial Ombudsman Service free of charge.
You should note that the timescales are not a delaying tactic - they give the firm a reasonable period of time to investigate your complaint (and don't forget that a bank has more than just one complaint to deal with).
A2. Your chances of getting money back depend on a number of things, mainly which financial institution it is, whether you're prepared to go to court over the matter, and how much is at stake.
Complaints referred to the Financial Ombudsman Service are free for you, but cost the firm £360. In most cases, a firm will therefore make a commercial decision to settle your complaint before the matter goes to the FOS if it's cheaper than the FOS fee, because they are charged the £360 whether the complaint is found in your favour or the bank's.
Any money that you do get back is likely to be the difference between the amount that you actually paid for being overdrawn (or otherwise in default), and £12 for each occasion or month that you were in default (the amount that the Office of Fair Trading suggested was reasonable).
You should also bear in mind that, although you might get your money back, the bank may give you 30 days notice and close your account, which they are within their rights to do. You should therefore consider whether you can move your account to a new bank and have plans in place if you need to do this.
Hope this helps. |
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By Any Means Necessary
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I'd should take a few weeks, but you should put in a date, i.e. please repond to me by xx/xx/xxxx to avoid legal action etc. Make sure the deadline is reseonable this should push them to repond to you before the date. |
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Deltic21
 |
The banks will tell you they can take 8 weeks but since this is a delaying tactic you should demand a reply within 14 days. As to your chances, I understand they are good as no bank has ever defended their charges in court as yet so everyone who claims wins. At least I hope so, as I'm about to commence action myself...! |
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Joy
|
They have 40 days to respond about your bank statements and once you have received them and highlighted out all of your charges and sent them back they then have 14 days to respond. They will probably tell you you have no chance but just send them another letter threatening to take them to court. If you go to www.itv.com/tonight there is all the information you need to get your charges back. |
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Sir Sidney Snot
|
6 years worth is what they should give you unless they can justify them and we all know they can't do that! |
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J W
 |
Go on the site consumeractiongroup. I used this site to help me claim £3120 back from Natwest! From sending off my Data Request Template for 6 years of statements, it took me approx 2 months to obtaining money. |
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Prince
 |
Wow, that's a pretty hefty bank charge. I dont think there is any rule of thumb time period for a bank to get back to you, but in my experience, its worth continuously hassling them. Phone them up and ask them if they have received your letter and then keep ringing them to find out what action they are going to take. It is a frustrating situation when you are trying to get them to refund charges but keep persevering, I firmly believe their policy is to keep you at bay long enough so that you get fed up and just give up on the whole thing but don't let them get away with it!
Here is a link which you should find useful about bank charges:
http://news.bbc.co.uk/1/hi/business/6170209.stm |
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Megan xxx
 |
A couple of weeks! I told First Direct that they owed me £862 they sent me a letter back saying I hd miscalculated and that it was actually £1162 in charges I'd paid!! we came to a settlement at £998!!!
That was before the world and his wife got on the bandwagon though!!
xx |
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notaclue
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How do you accumulate "thousands" in bank "penalties"? You need to stay on top of your financial business! If you're refering to CD's or Money Market accounts it's all in the fine print regarding early withdrawl! Banks today are scamming everyone with this illicit activity and they'll take you to the cleaners the minute you divert your attention!!!!!!! You have to fight back and don't wait for the government to help you as they all have their hands in the cash drawer!!! Open an account with a small amount of cash for the sole purpose of cashing checks! The rest of your banking can be done by other means to escape the grips of these ruthless parasites! Try paying bills with postal money orders to which you will find the cost far less than a banks checking account scams!!!!!! Credit cards for "RESPONSIBLE" people is another means using direct deposit! There are ways but you have to take "responsibility"in more ways than one!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!... your cash elsewhere! Why take risk for a measly 3% intrest?? This country is on shaky ground and has been their for quite some time! We are living on borrowed time for the next "depression like the 30's" and this government will never warn you! You can take that to the bank!!!!!!!!!!!!!!!!!!!!!!!!!!! |
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steve adams
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ages i guess
as this seems to be a major media thing at the moment |
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dave j
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Unless you're willing to hire an attorney, forget it. Sorry, I know this isn't the answer you want to hear. |
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