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Thread: Bank Charges Refunded !

  
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    rob_coupe's Avatar
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    Bank Charges Refunded !

    From Barclays, asked for £105 back and they gave me it all! The letter said they didnt agree with what i was saying and the repayment was just a 'kind jesture'
    I didn't even threaten court action in the letter, just said it was unfair and wanted the money back....took about 4 weeks in total.

    So, £105, what can i buy?! Maybe a lower front mount intercooler?!

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    Jonesy's Avatar
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    nice one mate. I was going to send mine off to barclays, but thought now that a few of these refund attempts had failed with the banks winning at court etc, i didn't think i'd stand a chance.
    Regal Phase 3.5,VXR Turbo,VXR AFM,VXR Injectors,Courtenay FMIC,Dbilias Flowmaster,Regal Precat,Miltek exhaust,Lightened Flywheel,Uprated Clutch,Denso Plugs,Veccy Pipe,Eibachs,308mm Discs

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    norm29's Avatar
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    Im going to do this i think. However you are in the wrong for breaking the terms and conditions laid down by the banks when you open the account

    You could buy my group buy FMIC for £105 delivered £25 cheaper than the same thing on ebay

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    razz's Avatar
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    what was said in the letter !!

    I wana do this but havent got a clue how to start it !

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    Have a look on http://www.penaltycharges.co.uk/

    Send this - its a standard letter


    Dear Sirs

    [Your Account Number/Details]

    Due to recent media coverage on bank charges I am now aware that you, { Banks name** have been charging me, charges, that are contrary to the Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e) of the said regulations gives a non-complete list of terms, which may be regarded as unfair, such as a term that requires me as a consumer who fails in his obligation, to pay a disproportionately high sum in compensation.

    I believe that your charges are disproportionately high and therefore they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that your charges are a Penalty. Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd [1915] AC 79.along with Murray v. Leisure play [2005] EWCA Civ 963 It was held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss.

    furthermore if you fail to comply with this letter, I request without further notice a breakdown and proof of all costs involved, in regards to your actual or liquidated losses involved in any breach of contract to which these charges relate with yourselves, and that these charges reflect your true costs In relation to the said charges, and are proportionate to the charges levied on my account as defined in Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e)
    I also hereby request a detailed report of which clause in your terms and conditions each charge has been applied against.

    Your charges appear to be nothing more than a profit-making scheme. Therefore I require you to refund me at a total of £X,XXX.XX, representing the total, unlawful during the last 6 years. I hereby give you 14 days to refund the charges back on to my account. For the avoidance of doubt, if this is not done within 14 days, I will commence my claim in the courts without further warning. This action will inevitably involve you in additional costs.

    Yours Sincerely




    [Your Name]
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    Basically all i put in the letter was a list of the dates and charges they had hit me with, saying that under the 'Unfair Terms in Consumer Contracts Regulations 1999' its not a true representation of the real cost of going into unauthorised overdraft.

    They initially sent me a letter to say it will be investigated, then the other letter i recieved said they will be repaying my charges.
    Should they have turned around and said 'we will proceed with court action' i would have dropped it, as it would have been more trouble than its worth.

    My advice is you may as well do it, nothing to loose. If the bank starts getting funny about it, then drop it (depending on how much it is). Theres plenty of letter templates around to work from.

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    i tried to claim back £340 over 6 years and they never gave me it.

    Not surprised to be honest. theyre ******s the lot of them.

    They are starting to refuse people in th hope they cant be bothered going to court *Guilty*

    More hassle than its worth
    EK9 Type R

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    We took capital one to court,they pay up,all banks do.
    You can do it all online
    http://www.moneysavingexpert.com/reclaim/bank-charges

    Massive case in hull recently http://forums.moneysavingexpert.com/....html?t=494020

    Link to some stories of what people have claimed
    http://forums.moneysavingexpert.com/....html?t=466832

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