Bank Charges! (NLC)

Rag_It · Post by **Rag_It** » Wed Jul 11, 2007 12:30 pm

Just had a letter from my bank informing me they will be refunding 2.5k into my bank account in the next 30 days.....

All it took was two letters, which incidentally took 2 minutes to change templates from http://www.moneysavingexpert.com, 1 x recorded delivery letter, and their first letter said "sorry, but we are not paying you a penny" My second letter went recorded delivery, saying thank you, but i will now be looking into court proceedings" 14 days later i get a letter saying, whilst we do not accept we are in the wrong legally, we as a gesture of goodwill will credit the money straight to your account!

Fantastic!!!!

Dave

Post by ed » Wed Jul 11, 2007 12:32 pm

Nice one matey, what ya spending it on?

Rich H · Post by **Rich H** » Wed Jul 11, 2007 12:37 pm

WTF were you doing to run up that many bank charges?

Rag_It · Post by **Rag_It** » Wed Jul 11, 2007 12:48 pm

my younger days spent living it large in EDI, just starting out and i though i was earning a packet!! Touch wood, not had a bank charge in years now!

As for spending it, hmmmmm unfortunately it isn't going to see a car, but it will be put to good use!

D

Andy G · Post by **Andy G** » Wed Jul 11, 2007 12:49 pm

the only charges i have had from the bank are ones I've asked to be charged?

Tom · Post by **Tom** » Wed Jul 11, 2007 12:51 pm

i'm in the process of doing this dave. asked for a list of the charges, paid the £5 for data protection, and they've sent me 6 years of bank statements, which presumably i have to trawl through.....wan*ers.......

Rag_It · Post by **Rag_It** » Wed Jul 11, 2007 12:57 pm

Tom,

I played it stupid i guess and didn't bother asking them for a list of all my bank charges, I merely worded it in such a way that i said I knew how much they were due, and i would be seeking the full amount.

It turns out that they had obviously asked for all my statements internally anyway as they arrived at my door without charge, did a quick flick (no way was i trawling the lot!), saw a figure of 1500, so was happy with that!

To get over 2k i was delighted! My post was not to gloat, but merely to say to those thinking about it - just do it! Oh and to highlight what a cock i was with my money in my early years!

Dave

GregR · Post by **GregR** » Wed Jul 11, 2007 1:00 pm

Tom wrote:i'm in the process of doing this dave. asked for a list of the charges, paid the £5 for data protection, and they've sent me 6 years of bank statements, which presumably i have to trawl through.....wan*ers.......

5 years - Prescription & Limitation (Scotland) Act 1973. Remember you're entitled to 12% interest if you're being cheeky

Dave, what bank?

Rag_It · Post by **Rag_It** » Wed Jul 11, 2007 1:05 pm

Bank of Scotland - and yeah in SAcotland it is only 5 years, Englundshire, 6 years!

Dave

The_Rossatron · Post by **The_Rossatron** » Wed Jul 11, 2007 1:36 pm

good stuff Dave. I've got my statements and trawled through them just have to send them a letter though I think mine is only close to £400.

Rag_It · Post by **Rag_It** » Wed Jul 11, 2007 1:51 pm

That £400 is legally yours though mate!

£400 - that's got to help in some way, shape or form, even if it gets put into saving account, or an Elise pot, or perhaps pissed up against the wall on a big bender.... the point being it was not their money to take!

Dave

Post by ed » Wed Jul 11, 2007 2:13 pm

Rag_It · Post by **Rag_It** » Wed Jul 11, 2007 2:50 pm

yeah, that'll be right!

I have learnt from the best (used to live with him...) on how to be tight!!!

Dave

delands · Post by **delands** » Wed Jul 11, 2007 3:03 pm

My wife sent of the second letter too from same website though it was more than 2 weeks ago to Bank of Scotland.

cla5h · Post by **cla5h** » Wed Jul 11, 2007 5:50 pm

Seems to be more and more noise about banks and credit card companies having to introduce account fees, to offset the money they won't be making from charges any more.

As I've never had a bank or credit card charge in my life, I wouldn't be happy about having to pay for these services.

As far as I'm concerned, if people are spending money they're not entitled to spend, then they bally well should be charged.

Rather than refunding charges, I'd be doubling them, and would tell any complainants to kindly fcuk off.

Harrumph.