CLAIM BACK BANK PENALTY CHARGES!

[FATBOY]

hope this helps someone!

http://news.bbc.co.uk/1/hi/business/6170209.stm

[Justin..]

im goin to do this. could do with soem cash


cheers fatboy. that page explained it well and has a brilliant download to help you plan out your letter

[stan]

watch they dont close your account afterwards tho...I would get another lined up.

[Justin..]

lol if they do im screwed my credit rating is so bad i cant open another account

[FATBOY]

tut tut! i was in that boat!!! and even have a CCJ but its been over 6 years now! and my credit is top notch now! :D

[Justin..]

oh well. i dont care, lol thinkin about changin the log book on the clio to me mums name so it cant eb taken away

[nyk]

I helped my sister do this and she got back 750 notes.

The nightmare of it is you have to trail back through all your bank statements and list every charge you have had over the past six years and add them up in a table, send this to the bank with your letter.

Statements like this seemed to do the trick....

I now understand that the regime of 'fees' which you have been applying to my account in relation to direct debit refusals, exceeding overdraft limits and so forth are unlawful at Common Law, Statute and recent Consumer regulations.

Furthermore, I shall submit a Consumer Credit Act 1974 complaint to the OFT upon the basis that you have failed to comply with the OFT's direction of 5 April 2006 and are therefore not a 'fit and proper person' to hold a consumer credit licence under the 1974 Act. If you do not understand what this means then seek advice from your legal department.

Good luck to everyone claiming them back.

[MatBrown]

I helped my sister do this and she got back 750 notes.

I think she needs help managing her finances as well, that's a lot of fees!



Mat.

[u33db]

A workmate of mine did this but i think its only valid back to April this year (in Scotland anyway).

[nyk]

I helped my sister do this and she got back 750 notes.

I think she needs help managing her finances as well, that's a lot of fees!



Mat.

LOL yeah

It was over 6 years though. At 35 quid a charge from Co op bank it soon adds up.