Has anyone else asked for their charges back from the bank....?

was it straight forward and how much did you get......? do they give what you asked for...?
Additional Details
im doing it now ....go for it if you havent...

Just sent my fella's letter off to Abbey as over past 2 years he has paid Â£1330 in charges. We downloaded the letter template from moneyexpert.com

i have asked for the charges back and im still waiting it has been over 3 months now

Yes, I successfully claimed over Â£700 from HSBC, and I currently persuing a second claim for another account. Also persuing a claim against the Halifax for a family member.

On top of that I help a number of people on a daily basis to claim back thousands from many different banks, with my site below, so I have experience with most of the UK banks.

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 Â£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!

my b/f did, originally they offered around a quarter of what he was owed, it was quiet funny because at the time he went in the bank complaining about something else and the women read his file and was taking the mickey on the phone saying well he's after 3x's that amount, but if he wants to waste his time and money he can do trying to be smug, guess what it cost him the price of a few stamps and he ended up with the full amount back, go for it

ive been in hundreds of banks, i steal thier pens

A few years ago I saw my branches assistant manager & he credited me with about 90% of the charges. I'd believed that as I was at my overdraft limit no monies could go out. However every time a direct debit request was made I was charged for it. My council tried to take the same direct debit four times a month.

yes.

From RBS and I got every penny I asked for (over Â£800)

No but im bloody going to - I checked my statements and recieved Â£1,262 in charges last year alone - im fecking well p1ssed off

I've thought about it, a colleague gave me a note to give to my bank asking for my statements but it all seems very complicated to me.

Yes. HSBC settled in full without the need to go to court, and Halifax is reviewing the situation. They owe me over Â£3,500. Halifax has said they will have a response for me by 13th June, but if I haven't heard from them by then, then I'll be taking them to court.

The Bank of Scotland can waive one bank charge per year for you. If you get a letter telling you they are going to charge you (normally Â£30) then just phone them or go into your local branch and tell them you can't afford it. They will reverse the charge on your account and won't take it.

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