Bank Charges

[AVSDOYLE]

Nice one. This will be very useful now the Christmas bills are arriving. Many Thanks :rolleyes:

[Ronnie W.]

Use this letter if you can't find your statments

 

 

 

 

your address)

 

 

[their address]

 

 

(date)

 

 

 

Data Protection Act disclosure request

 

 

 

Dear Sir/Madam

 

 

ACCOUNT NUMBER: xxxxxxxxx

 

 

Please supply me with a complete list of transactions and charges relating to my bank account since (WHEN EVER YOU WANT AS LONG AS LESS THAN 6 YEARS). Alternatively a complete set of bank statements for that period will be acceptable.

 

Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my banking business with you.

 

If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request.

 

I enclose the statutory maximum fee of

[Guest Cepheus]

No need for the 2 letters really.

 

http://news.bbc.co.uk/1/shared/bsp/hi/pdfs...k_estimated.pdf

 

Download this document, copy it into word, amend the bits that need amending and send it off special delivery. Even if you only have a few months of bank statements you can estimate the charges pro rata over the last 6 years. Part of that letter then asks them to either agree or disagree with the amount you estimate. If they disagree with your estimate then they have to prove the amount that they have actually charged you. Kills both birds with one stone this way.

 

Well our bank had until 28th to reply to us and we haven't heard anything. Wife is going to call them today to see if it's being dealt with. Suppose we should allow a couple of extra days due to the amount of bank holidays we've had recently? Will update when we know any more.

[Bigjeeze]

When you get your money, make sure you save it to pay the banking charges the Banks are going to levy to get this lot back. You will soon be paying for having an account and each & every debit etc - just like the good old days - You can't rob a bank and expect to get a way with it you know!! (unless you're a bank of course)

[Gteuk]

Hong-Kong/Shanghai based Banking Corporation

 

Hong Kong/Shanghai/Bancock and China

[wonkydog]

Hi all, just got in from work to find a reply from the bank (been called in to work for the last three days and will be in for the weekend as well - HM forces for you!)

 

Here is what it says -

 

Thank you for getting in touch with us. I am sorry you are unhappy about your account charges.

Like any business, we do make a charge for some of our extra services. When customers don't have enough in their accounts to cover a payment, this always means extra work - and it has to happen very quickly. We have to agree to make the payment by setting up or increasing an overdraft, or tell customers we can't agree it. We feel it's fair to charge for this service.

Of course it's only fair too, that we're completely open about any charged-for services before you take them up. That's why we take care to give every new customer the latest guide to our charges. You can also get up-to-date details about fees and borrowing rates at all our branches, through our helpline and on our website.

Just as importantly, we do everything we can to help our customers avoid these charges altogether. I'm sure you'll know how easy it is to keep a running check on how much is in your account. You're free to get an up-to-date balance at any of our cash machines, over the phone, on line and by weekly text to your mobile.

If you know a payment is going to take you over the limit we've agreed, you're welcome to see if we can raise it - and we can usually give you an answer straight away. Again we can do that for you by phone, on line or at any of our branches.

I do hope you can see that we make our charging system as fair as possible - and why I can't agree to cancel your charges.

Please let me know if there is anything else I can do. If we cannot come to an agreed solution after this I will help you refer your complaint to the Financial Ombudsman Service for independent advice.

If you are happy with the way I have dealt with your complaint, there is no need to reply to my letter. If I have not heard back from you by the 17/02/2007, I will close my file, though I will be happy to reopen it should you come back at any point afterwards.

Please give me a call if it would help to talk through anything in my letter.

Yours sincerely

 

Well, on any other day I might have said "Oh well, tried my best" and given up.

 

They will get the full 14 days, then I will draft a second letter informing them of my initiation of court proceedings.

 

"I do hope you can see that we make our charging system as fair as possible - and why I can't agree to cancel your charges."

 

Fine, then get your supervisor.

Bring it on.

If I fight and win, I win

If I fight and loose, at least I fought.

Watch this space.

[Guest wolfie]

Hong-Kong/Shanghai based Banking Corporation

 

Hong Kong/Shanghai/Bancock and China

 

 

The HSBC Group is named after its founding member, The Hongkong and Shanghai Banking

Corporation Limited, which was established in 1865 to finance the growing trade between Europe, India and China.

[Guest gooner52]

tsb moved on then :)

[Guest Cepheus]

Hong-Kong/Shanghai based Banking Corporation

 

Hong Kong/Shanghai/Bancock and China

 

 

The HSBC Group is named after its founding member, The Hongkong and Shanghai Banking

Corporation Limited, which was established in 1865 to finance the growing trade between Europe, India and China.

 

Thanks for that wolfie, I think we learnt that from the original quoted post! :32: you seem to be steadily turning into one of the post-whores you so heartily revere! :32:

 

HSBC should be renamed to Hyderabad Surat Bangalore & Calcutta with the amount of Indian call centres they have!

[wonkydog]

Took a trip to the local county court today. Went like clockwork.

 

Took 3 copies of the claim form N1 filled in. (1 for me, 1 for the court's records, and 1 to send to the bank)

 

Two copies of all the statements showing the charges highlighted (1 for the court and one to send to the bank)

 

Chequebook to pay the

[Bigjeeze]

Took a trip to the local county court today. Went like clockwork.

 

Took 3 copies of the claim form N1 filled in. (1 for me, 1 for the court's records, and 1 to send to the bank)

 

Two copies of all the statements showing the charges highlighted (1 for the court and one to send to the bank)

 

Chequebook to pay the

[wonkydog]

Yeah, can see the irony! :rolleyes: ;)

 

Must do some more reading up on the way the case will be handled from here.

[Guest wolfie]

well it works! a colleague of the wife just received

[Guest gooner52]

when we all going out for a drink :blink: :lol: :lol:

[Guest Cepheus]

Had a letter back from my bank asking me to detail all of the charges that I had proof of to prove my workings out. I had to estimate the charges as I don't have the last 6 years bank statements. Might be advisable for other people estimating their charges to list the ones they have proof for and include them in the initial letter. Saves the bank stalling for time later on!

 

At least it isn't a straight out NO at this point!!!

[mumof4]

This Website is Brilliant..

 

Im useing it now as i forgot to do my letter...goes through all the stages, and there is a support forum.

 

oops..forgot link,,,

 

 

http://www.penaltycharges.co.uk/main_bank_charges.php

Edited January 14, 2007 by mumof4

[wonkydog]

Try here as well, they have loads of examples of letters you can use. Not just bank charges - loads of info on parking fines, extended guarantees etc.

 

www.consumeractiongroup.co.uk

 

Update - need to go back to the court. Case needs to be re-started - forgot to sign the form! Doh!

 

(Lady on the desk didn't spot this either)

[mumof4]

Letter i recieved today....

 

 

[Guest Cepheus]

Issue court proceedings against them then Maz .... they'll pay up then!

 

I see from the website you put a link to above,

[NikpV]

did you see the story in the paper today the bailifs were sent into a branch of RBS because they didn't pay up -

[Guest Cepheus]

Genius!!

 

what a guy ... thanks for the info Nik ... made my day!!

[bigdaddy]

Well I got my reply from my bank, they are sending me statements for the last 5 years (free of charge) and I am to highlit the unfair charges and they will consider wether to return them or not, maybe I should remind them of a Mr Purcell from london, who has bigger balls than the bank :)

 

P.S my account is with the RBS :)

[mumof4]

im a thinking..is it different for building societys?..as that is what mine is...and mine wont refund so its the courts for me i guess. :)

[NikpV]

they used to be different from banks but legislation was brought into allow them to be banks (thatcher I think) so the same rules should apply - There was a specific distinction but I cant remember what it is but those which have current accounts are classedas banks IIRC

[mumof4]

The account i have with them is a flex account/current account..Hmmm.....Fight it is then..