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  • Bank Charges - Good News!

    Just as a confidence boost this one, not really expecting any replies. For those who've given up on the whole bank charges issue, I've just managed to help get somebody well over £1000 of charges back plus £50 for incorrect default. Don't give up - keep at them.

    If it's of any help to anyone, what I did was write a letter. However, before doing so I identified every little point where the bank had gone against good practice and my opening paragraph asked them to justify each point individually. I then went through point by point their failings and ended each paragraph, "bearing in mind OFT Guidance, the Lending Code and a whole raft of other legislation I could mention, how do you justify this as a supposed responsible lender?"

    I didn't overkill, but put in enough to well and truly hang them, and by posing the question after each point and asking them to respond to each point their only answer was, "We can't justify it."

    Hence the refund.

    Keep persisting. They expect you to do as most people do and give up at the first hurdle - don't! Equally, don't waste money pursuing through the courts. Cost of stamps is one thing, court action is different altogether.
    Last edited by caspar; 6 June 2011, 15:00. Reason: typo

  • #2
    Re: Bank Charges - Good News!

    Well done mate - nice one
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    • #3
      Re: Bank Charges - Good News!

      Hi Casper

      More info please!

      Which bank was it?

      Did they refund the charges after the initial complaint or did you have to go to the FOS?

      Best
      SnV
      "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

      The consumer is that sleeping giant.!!



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      • #4
        Re: Bank Charges - Good News!

        Superb news! well done

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