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Success Stories
Here are some of the success stories we've had recently....
+ Add Yours

Stephen
This is my success story and represents my considered opinion only.

My Story has appeared in many national and local newspapers. I originally took Abbey National Plc to court on the 26 May 2005. Abbey failed to submit a defence; however as soon as the media published the story, they were very quick to deny ever receiving the claim forms. In addition, said they would have defended the claim if they had known, as there charges were fair.

In August, I was back in court with Abbey National as they had applied to have the default judgment set aside. Sadly, the judge had no alternative but to grant that the judgment be set aside and the case was re-listed, for June 2006.

In February 2006, rather than facing the risk that the court would make a declaration that Abbey’s charges are, in fact, penalty charges and therefore illegal, Abbey National paid me £5,000.00. My claim was only worth £840. As you can see Abbey Paid, me 600% more than my claim value, which in my opinion was to avoid the consequences of a declaration being made.

All I can say is Abbey National knew my story would hit the newspapers and other media when they paid me £5000.00. Throughout, they have stated that their charges are fair and transparent and that they would have defended the claim had they been aware.

My Question is therefore this:
If you firmly believed that a claim was wrong, why would you settle at 600% more than the original claim value?

I know I would not, would you?

Stephen Hone, Plymouth

Added: 1 Jan 1970

Joshua
“I downloaded the template letter and filled in my account details, branch address and reimbursement demands.

I was very surprised at the prompt reaction to the letter, I sent it on a Friday and received a reply by Tuesday morning – it must have caused a bit of a panic!

My Nationwide branch instantly refunded me the sum of four penalty charges plus the interest (approx. £90).

I have encouraged friends to do the same and would recommend the same course of action to anyone who has been subject to these fines.

The quick payment which I received demonstrates that the banks will pay out to try to hide their illegal money making scam."

Joshua, Plymouth

Added: 1 Jan 1970

Gary Clay
Hull resident Gary Clay claimed a £1,877 refund of charges incurred on two Nationwide accounts.

"I was in the merchant navy. I was often away from home for up to six months in the Falklands or the Pacific. You can't easily sort out your affairs in the middle of the ocean," he says.

Source http://money.guardian.co.uk/saving/current
accounts/story/0,,1

Added: 1 Jan 1970

r4bb1tf00d
Claimant: r4bb1tf00d

Amount: £160.00

Bank: Natwest

Claim settled in full 15 April 2006

Added: 1 Jan 1970

Jason
I would just like to thank every body at Penalty charges.co.uk as i had a successful claim from my bank, i dont know what i would have done without you. I am now claiming for my partner, i will let you know how we get on with that one.

Added: 1 Jan 1970

Russell
Russell v National Westminster Bank Plc

Claim number: 6PL01760

Claim amount £1200 approx

Settled in full

Added: 1 Jan 1970

Kenny
OK HERE'S MY STORY

I was fed up getting bank charges and was listening to the radio about people who have reclaimed their bank charges. Well I was interested and admit a bit skeptical, so I searched for penalty charges and found this site.

I had a good look around the site, thinking "It's too good to be true", so I reckoned I'd give it a go.

So I started my claim against my bank for £76, copied the letter templates and sought advice from members on the site. I got a letter offering a goodwill payment of £38 but going on what other people have done I rejected the "goodwill" offer and a few days later I got a letter offering me my £76 in full and final settlement and this was without having to go to court either!! And it was all completed in THREE weeks!

Well I thought to myself, that was easy and the people are so helpful with legal advice which is FREE, and with my confidence boosted I decided to take on my other bank and credit card accounts, so here's too more successes on my part and all the others at www.penaltycharges.co.uk

Kenny, Stonehouse, Scotland

Added: 1 Jan 1970

Craig
On August 6th I started proceedings against Natwest. Since 2001 I had paid £3196. My only regret was that I couldn't claim back beyond 6 years.
After the usual delaying tactics, Natwest finally buckled and made a payment of £4034, taking into account my legal costs and interest on the charges.
Thanks to penalty charges I can now afford an engagement ring for my girlfriend and some work on our house.
Thanks Penalty Charges!

Added: 1 Jan 1970

Jackie
Hi,
I heard about your web site and thought I would give it a try as I was fed up of the Halifax taking MY money. They had taken a total of £571.00 in "charges". I followed your advice and a first was offered £151.00 as a gesture of goodwill. It took me a while to decide what to do but I decided to decline there offer and push for the full amount. I had to commence court proceedings but today got a letter from the Halifax, VICTORY they are going to remburse me all my money plus the £80.00 court cost's. Thank you as without you I would not be having such a nice Christmas.


Added: 1 Jan 1970

nicky-happyhammer
If I can do it so can you!

In August I started a claim against Natwest for an amount which ended up as £1368.48 (including court fees and interest). It took ages to finally get my money back, but on 4th November, I finally received a cheque for the full amount!

This win gave me the bug (and the funding!) to pursue further claims - I have just won another £638.84 from Natwest only this time there was a lot less messing around and they paid out relatively quickly.

My advise to anyone considering claiming back their penalty charges is go for it! There may be times when it seems like you're going to be the first to end up in court and the nerves get the betetr of you, but trust me, if I can do it so can you! Stay strong, don't be tempted by measly offers, put your feet up and wait for your money!

Nicky

Added: 1 Jan 1970

Nicola Bradley
I used your site to claim money back from Barclays, I claimed for both myself & my boyfriend. My boyfriend accepted his first offer of £450 even though the charges applied to his account were double that. I was offered £610 to start & although I was really tempted to take the offer (which was also half of the charges applied to my account) I decided to try & push it some more. I didnt want to wait ages though so I just asked & got £950

Added: 1 Jan 1970

Rob Childs
Sent Bank of Scotland letter asking for £100 refund - they said no. Sent them letter before Court Action and they replied by return agreeing to full refund.
Sent letter asking AMEX for £165 refund giving them 14 days to comply, after which I would write again to give them a further 14 days to reconsider if they didn't. They tried delaying tactics by writing back to assure me they would respond within 28 days. After 14 days I wrote again to say that they now had only a further 14 days before I started court action. They replied to this by return, refusing any refund. I sent a final letter saying that I would proceed with court action when their time was up without further notice. They then sent their third letter saying that my complaint had been 'escalated' and that they would contact me 'as soon as possible'. I allowed them a further 14 days and then started proceedings through Moneyclaim online for the full amount plus interest and costs. As soon as my claim was issued they settled in full - a cheque for £224.28, so 2 out of 3 for me so far! I've got a court action against Cap One for £800+ to which they have acknowleged their intention to defend - they originally offered to refund me at £8 per claim (the difference between the £20 charges they had made and the £12 they now charge), which I declined. They insist this is their final response and they will not be increasing it(!). I'll keep you posted. As I have used both your site and Moneysavingexpert, I will be making a contribution to both. Many many thanks for all your excellent advice and guidance!

Added: 1 Jan 1970

PETER
FED UP WITH "CHARGES" I SENT THE TEMPLATE LETTER TO THE HALIFAX ON 14TH NOVEMBER ASKING FOR A REFUND OF £3,975.50P. ALSO STATED THAT IF THIS WAS NOT REFUNDED I REQUIRE
6 YRS BANK STATEMENTS ETC:
RECV'D 6 YRS WORTH OF STATEMENTS IN DUE COURSE TOGETHER WITH A FULL AND FINAL OFFER O £897.00.
RETURNED CORRESPONDENCE TO THE EFFECT OF THANKING THEM FOR THEIR OFFER BUT I HAD NO OPTION TO DECLINE.I ALSO INFORMED THEM THAT LEGAL PROCEEDINGS WILL FOLLOW WHEREUPON I WOULD BE CLAIMING THE ABOVE TOGETHER WITH INTEREST AND COURT FEES.
SPOKE WITH HALIFAX STAFF TO CONFIRM THIS LETTER RECV'D.
PAID THE £120.00 TO THE SMALL CLAIMS COURT AND LEFT IT WITH THE HALIFAX TO RESPOND. THEY DID VIA A SOLICITOR'S LETTER SAYING THEY WOULD DEFEND THE CLAIM. THAT WAS ABOUT THE 14TH DECEMBER.
IMAGINE MY SUPRISE WHEN TODAY, WITHOUT WARNING £4,600 HAS BEEN CREDITED TO MY ACCOUNT. I HAVE RECV'D, TO DATE, NO FURTHER CORRESPONDENCE FROM THE HALIFAX.
WILL NOW CANCEL COURT ACTION.

MY ADVICE, DO NOT ACCEPT ANY INTERIM OFFERS, DO NOT FEEL INTIMIDATED, DO NOT FEEL LIKE CAVING IN.

GO FOR IT!!!!

NOW PREPARING TO GO FOR THE HALIFAX AGAIN WITH 2 MORE ACCOUNTS WE HAVE, THEN IT WILL BE THE CREDIT CARDS.

KEEP YOU ALL POSTED, HAPPY XMAS

Added: 1 Jan 1970

sam
i claimed for both myself and my husband, the whole process i found to be very easy. i have been refunded 100% of my charges and my husband was offered less than 50%back. of course he didn't accept it. he made a small claim, 14 days is up tomorrow so we're hoping for a fruitful outcome

Added: 1 Jan 1970

kamaljit monjal
i have got back £1044 from halifax and i do not even have an account with them any more in total I have so far got back abount £8000 off all backs

Added: 1 Jan 1970

James Linley
I had been charged £319 by First Direct over a period of three years. I sent off the pre formated letter from yourselves and they responded straight away with a cheque for £319.00. I am now pursuing a similar claim with HSBC. Many Thanks for your help, it couldnt have been made easier for me!

Added: 1 Jan 1970

Craig
After a successfully tackling Natwest, I proceeded a claim against HFC (otherwise known as Household Bank - Part of HSBC)
Following the same procedure, they made both a 50% offer and and a full offer within 14 days of my initial letter.
Thanks Penalty Charges!

Added: 1 Jan 1970

Christian White
Hi

Following the Money programme I decided to tackle First Direct about my overdraft fees which, to date, only amount to £90. I took the standard letter from the BBC website and used that as the basis for my claim. I have also trained as a lawyer so I was able to spice up the basic letter with appropriate legal references. First Direct has written back (almost by return!) and offered to refund the whole amount 'without prejudice'. Amazing.

If anyone would like to see my version of the letter, I would be happy to e-mail them a copy.

Thanks for giving me the inspiration to take action.



Added: 1 Jan 1970

lubbyloo
I have made 2 business claims for me and my sister, for the six years I claimed £1875, and she claimed £4300. Barclays paid mine 2 weeks before court date, but my sisters they Tried it on! But we played hard ball until 3 days before the court date, They offered her £4200, which she accepted. Just be patient, you'll be fine. Great help from everyone here!


Added: 1 Jan 1970

Andy Law
I sent off one of the template letters to First Direct about a week ago reclaiming £330 in charges. I got a reply yesterday saying that it represents a better value to them to avoid going to court, so have refunded the money as long as I signed a piece of paper saying that they are not in the wrong. Of course they're not in the wrong - that's why they didn't want to go to court :) . Thanks for the help in reclaiming, will make a donation when the money comes through

Added: 1 Jan 1970

kim strong
I was recommended to you by a friend so took the plunge and contacted Nat west. Yesterday without warning a cheque came from their solicitors for the full amount of 1262.21p bit nerve racking specially when they tried the bully boy tactics of defending the claim in court with a 5 page dossier of legal jargon but I re-read your wonderful site-put trust with you and THANKYOU will be making a donation to you based on what I have got so far - now starting process with First Direct =4000.00 wish me luck!Oh happy xmas!!!!!!!!!!!!!!!!!!!!!!

Added: 1 Jan 1970

Andrew Robertshaw
natwest charged me £38 for an unpaid direct debit for £6.71 because my account would have been £2.22 over my overdraft facility.

After speaking to my branch manager and pointing out that these charges were unfair and illegal they refunded me

Added: 1 Jan 1970

Kenny
Since joining this site back in JUNE this year I've managed to get refunded a total of 6 TIMES!

It's been so easy and I've only had to issue court proceedings just ONCE and that was won, I got a Judgement by Default recorded as the bank didn't even to bother entering a defence.

I'm not saying that it's easy for everyone, but after your first claim it DOES GET EASIER, one of the banks I've claimed against THREE times refunded my unpaid DD fee with just a phone call!

So just do it, and as the logo says SO EASY A MONKEY CAN DO IT!!, so if I can do it then so can you!.

Added: 1 Jan 1970

dave jepson
I used the letter on the BBC site (sorry wasn't being disloyal you the chaps who run this site - it was the first template I saw and its pretty stiffly worded). I claimed for £637.50 accrued over the last 4 years with smile. They actually paid it straight into my account 7 days after the date on the letter. No questions asked. No fight. Nothing but a letter confirming their action. Just in time for Chrimbo. It was actually £30 short, but I seem to recall asking them to refund some charges I was annoyed at in the past.
If you're contemplating a refund, obviously I can only recommend the procedure. Don't be at all put off by the fact its a seemingly large bank. Their industry simply cannot afford to lose 1 case which says they've been acting illegally. Good luck.

Added: 1 Jan 1970

Stephen
Hello, stephenCL is how you’ll get to know me on this site.
Real name Stephen (strange huh) I live with my partner and children in Hove actually, on the south coast.
My partner had seen and heard something about this site on a couple of TV programs and suggested I take a look.
I joined this site on 1st June 2006 and when I did and I’d uncovered the truth , I immediately began to seek revenge for all the hardship the banks etc., had bestowed upon me and my family over the years.
Almost overnight I became empowered again.
I had become a Hammer…………. I was no longer going to be used as a nail.
It was a very daunting prospect at first but with the help from other members, the Moderators and Stephen Hone , I began the process of reclaiming penalty charges from my bank.
Within 7 weeks of joining this site my partner and I had successfully filed three separate claims against the Halifax Bank PLC and recovered over £2500 in penalty charges including interest.
We are currently pursuing Capital One credit card, M&S, Debenhams and Warehouse storecards, not only for unlawful penalty charges but inappropriately sold Payment Protection Insurance premiums as well. Woe betides any other financial institution that ever attempts to levy these penalties again .
I am currently assisting my sister and brother-in-law to recoup over £6000 from Nat West Bank.
I became a Moderator on the site a few months ago as I wanted to help others to take advantage of what had been given so FREELY to me.
We are all here and we will help you every step of the way, recover all that is rightfully yours.





stephenCL


Added: 1 Jan 1970

Gary Tull
After reading on the BBC News website that I could claim back the various overdraft charges my bank has used as an excuse to steal my hard earned money, I came by this website and completed your template initial letter and sent it off.

A couple of weeks later, I have today recieved a letter from HSBC saying that while they believe they would win if the case went to court, they do not want to suffer the loss of their time and legal costs therefore propose a full refund of the money I worked out that they had taken from me - £471 in total.

Thank you very much - I have already reccomended this site to friends. Hopefully it may force the banks to rethink their charging regime.

Added: 1 Jan 1970

James McCafferty
Having come across all the media hype around bank charges on the BBc news website I used a template letter to write to the Royal Bank of Scotland asking for a refund of £567. They received my letter on the 17th of December and today(4th January) I received a letter confirming that they will refund the full amount. Before refunding this money they have however asked me to sign a letter confirming that I will not query charges in the future and when this signed letter is received they will credit the money to my account.... they said "kindly note that should you be unwilling to accept administration charges that may accrue in the future in relation to unarranged borrowing and that would be in line with our published tariff, then we may need to consider if we are prepared to continue offering you the flexibility you enjoy with your current banking facilities".

The good news is they have refunded without a fight and from reading some stories on this site I think I will now look out some old statements from my previous bank and try this process with them. It is so unfair that banks charge so much and it seems clear to me from the numerous success stories that banks are well aware of how wrong the current charges actually are!!!!

Added: 1 Jan 1970

Andrew K
Claimed £281.77 in charges raised in 2004. Have just received a without prejudice offer of payment in full which I am happy to accept.

Added: 1 Jan 1970

flossyflo
Hi,I joined this wonderful website in August 06,after seeing an article about Stephen Hone in the National press.I had heard in the past that it was possible to challenge the banks and get back charges but had not looked into it as I thought it would be expensive and complicated.How wrong could I have been.I spent a few days looking through the FAQs and reading the stories posted by other members and decided to give it a go.I hand delivered the DPA template letter(along with my £10) to my local branch and srarted the ball rolling on 14/12/06.After receiving my 6 years worth of statements I was shocked at how much I had actually paid out and this made me determined to fight on.I sent off the 14 day LBA and waited for a response.After a week a man from the bank telephoned and offered me a 'Gesture of goodwill' amounting to £1,891.00.This is a lot of money and I have to admit,I was tempted to accept this.On reflection though I decided that if they were willing to just 'GIVE' me nearly 2k then I had a pretty good chance of getting the lot.I turned down this offer and after giving the bank a further 7 days,I filed a claim in the small claims court.10 days later(26.10.06) the bank put a large deposit into my account totalling the amount owed,8% interest and court costs-£3,797.74. I have since followed the process 6 more times and been successful in every case.I now work on the site as a moderator so that I can help others in the way that I was helped.

Added: 1 Jan 1970

Jason
I saw the details of the website through a local music forum, saying how great the services these guys offered and for FREE! I contacted my bank after using the templates for letters from the site, and although it took nearly 3 months altogether, my bank offered me an almost full charges refund of £2600.00 which i accepted.
I only mentioned to my bank that court action would be taken if they didn't refund me, and i can now afford to go buy a much-needed car.
Muchos Gracias Amigos, if it weren't for your help i would be over two-grand worse off!

Added: 1 Jan 1970

Darren Sparkes
I recently looked through my statements on the internet and worked out that my bank (First Direct)had charged me £945.00 of which £85.50 was justified therefore they owed me £868.50. I sent the template letter from this site asking for the full £945.00. I recieved a letter 7 days later and it mentions this: We are confident of our position and belive that if your claim for a refund proceeded to court, we would successfully resist any legal challenge in relation to these fees.
However we are prepared to make a payment of £897.00 in full and final settlement of your claim.

of course i accepted and am now waiting for the money to be transferred.

i am in the middle of claiming £1178.00 from LloydsTsb so i will let you guys know how i get on.

my advise is to get YOUR money back!!

Added: 1 Jan 1970

Jason
A couple of months ago I exceeded my overdraft for a couple of days and my bank applied some hefty bank charges. The customer service centre weren't prepared to be reasonable and so I sent the 14 day letter. Three days later I received a very polite reply stating that although they were sorry to hear that I was unhappy, the charges stood. They also made a point of saying that the recent media coverage related to credit card late payment charges and not current account charges. I filed my claim with county court and this was served on the 8-01-07. On the 11-01-07 I received a cheque for all charges and court costs. The correspondance that accompanied the payment stated that the bank took issue with my claim but had decided to settle to avoid the cost of mounting a defence. Also, as I did not accepty the T&C of the account's operation then I would be contacted shortly to discuss it's future operation!





Added: 1 Jan 1970

Marc
This is incredible. I claimed £467 from First Direct and just a few days later I got a reply from them denying any wrongdoing and not being liable but refunding me the whole lot. However, when I claimed £75 from Halifax they refused to refund any of it so I will now assess how to proceed with this one...

Added: 1 Jan 1970

ROY FULLER
HI I HEARD ABOUT PENALTY CHARGRES VIA FREIND .I LOGED ON AND BEFORE YOU KNOW I HAD SENT MY PAYMENT AND A LETTER FOR MY BANK STATMENTS .
THE STATMENTS ARRIVED AND I SAT DOWN AND MADE MY REPORT ,TO MY SUPPRISE £ 1400.00 .
I SENT THE 14 DAY LETTER AND COPY STATEMENTS OFF .I THE RECIEVED A LETTER ASKING FORE MORE TIME A PHONE AND TOLD THEM THEY HAD THE 14 DAYS OR I WILL GO TO COURT TO GET THE AMOUNTTHEY HAD TAKEN.
THE NEXT I KNOW A LETTER OFFERING ME £1000.00 TO CLOSE THE MATTER.
I QUICKLY DONE A % SUM ON THE AMOUNT OWED AND PHONED THEM AND ASKED FOR £ 1200.00 THEY AGREED.
I AM WAITING TO RECIEVE THE AGREEMENT LETTER MONDAY OR TUESDAY NEXT WEEK .
THANKS GUYS AND GIRLS
WE ARE WINNERS


Added: 1 Jan 1970

Caroline
I saw the Money Programme and thought I could do something to get my charges refunded as well.
I followed the guidlines which were really helpful and am happy to say my charges have been refunded in full!
Like other people, I also got an initial letter saying the bank had to charge and they thought htye were being very fair etc etc but I replied stating that if I went to court I would also claim those fees as well and lo and behold less than 2 days later they offered a full refund. I am now claiming for my charges to be refunded on my business account as well. My partner is going ahead with the Co-op - will keep you posted but a HUGE thank you to Stephen for showing the way.


Added: 1 Jan 1970

David Murray
I recently looked through my statements on the internet and worked out that my bank (First Direct)had charged me £1249.00 i sent the template letter from this site asking for the full £1249.00 I received a letter today 15.01.07 and it mentions this: We are confident of our position and believe that if your claim for a refund proceeded to court, we would successfully resist any legal challenge in relation to these fees.
However we are prepared to make a payment of £1049.00 in full and final settlement of your claim.as some charges had not actual been debited from my account as i had complained at the time .

I have decided to accept and am now waiting for the money to be transferred.it has been the best hour i have spent trawling through statements and the letter was the best £1.00 i have spent.
So many thanks for all your assistance and your brilliant site so we are off on an all inclusive holiday this year to celebrate
david.

Added: 1 Jan 1970

Jay
I sent in the letter just before Xmas to Barclays, for an account which I had closed down. I had long arguments at the time with them about charges but to no avail. I was surprised to hear back a couple of weeks later offering me £450 to settle, which I did. Still waiting for the money though!

Added: 1 Jan 1970

Dean
I found out about this site whilst aimlessly playing about online. I read more and more and decided to give it a go. A simple 14 day template letter with the charges for the last 2 years requested as a refund and a few weeks later I received a letter offering me the full amount I requested! My advice is to go for it, you will rarely have to take it to court.

Added: 1 Jan 1970

Sol
Hello There,

I would like to first thank you for your support in my bid to fight for my penalty charges. I downloaded the document to claim back my penalty charges and sent in all my statements for the past 3 years, highlighting all the charges. I was shocked to find that the charges which I accumulated in the three year period was £3'395.62. I was astonished I let it get so out of control!

After sending in the letter and statements they sent me a confirmation letter stating that they would revue my complaint and contact me within a few weeks. Two weeks later they sent me a letter back trying to justify why they charge you etc...

To sum up they said "As a good will gesture we would like to offer you £2'997.00 and advice you to contact us so we can help you better manage your account. So I think I will take the offer and say anyone who has got charges to download the document and send it in! Best Regards Sol.



Added: 1 Jan 1970

Simon Lytton
I had £150 of charges on my Student Barclaycard over 3 years. One letter and my account was credited with £88, accompanied by a letter stating that this was a gesture of goodwill and not an admission of wrongdoing (they "disagreed with my legal argument"). I'm happy enough with that. Thanks very much to the kind gentleman who has started this snowball rolling!

Added: 1 Jan 1970

Adam Carter
Having watched the programme on tv I decided it was time to take action against the Halifax. I had recently lost a large source of my income when a business I was involved with was closed down. This left me to rely on my alternative business of HGV Lorry Driving, this wasn't a regular income so I was desperate to earn more money.
On return from holidaying abroad I found that my account was severely over my overdraft and had incurred penalty charges of up to £90 a day, this sent my bank account into spiralling debt. How could I clear debts if all that was happening was that the bank were making matters worse?
Time to add up the charges and take action. Over the past 6 years (both bank and credit cards) I had ammassed £702 in charges - Halifax had charged me £584 of that total.
Letters were sent to Halifax Bank, Virgin (MBNA) Credit Card and Halifax Credit Card. Within 14 days I had received letters from MBNA and Halifax Bank.
Today 18/01/07 I received a letter from Halifax Bank offering me £584. I will be accepting their offer, as I think asking for lost interest will be a bit cheeky. However the Halifax still say that they will stand by any further charges and will close my account if I don't manage it correctly. Once again due to funds not clearing in time - another gripe I have about Cheques clearing and BACS payments - I have amassed some more charges. Get ready Halifax for all out War!!
Cheers guys for this fantastic site and all the hard work you've done to help the little guy get one back on the Big Corporations.
ACE218 aka FLUFF aka Adam Carter

Added: 1 Jan 1970

rich ford
i went through a NASTY divorce- ex-wifey got everything... stopped me seeing my boys so £10k worth of court/sol fees later we are all sorted...
however, for 18 months or so- my account was in sh** order... i notched up £1795 in fees during tha time... did the letter/file with statements only back 12 months and....
THEY SETTLED in FULL!!! thanks for everything- really- i tried in october 06 to negotiate a fee reduction they refused point blank... its amazing what a well worded letter and the threat of court action can do to focus the old grey cells...

rf

Added: 1 Jan 1970

lucy
Hi there,
just had the call from FIRST DIRECT after the 1st letter making a claim for the charges and recieving my 6 years worth of statements very promptly. They offered to pay me as a 'gesture of good will' 1/2 of my charges of £734 and I also had until the end of the call to accept! They also ask me how I keep my account in line, what I am doing to ensure I wouldn't go overdrawn in the future. I must say it was worse than an interview! I was also told that I had to accept this as a full and final settlement and sign a document confirming this. They then said that I would agree to pay all further charges at they current rates. I had to think fast and said I needed to discuss with my other half, which I must say she wasn't happy about. I then got back onto your excellent site as well as the Which site to remind myself what I should do. So FIRST DIRECT called back and I asked them why they only agreed to refund me 50% and that I have seen at least 4 examples (noted in fact on this website), from customers of FIRST DIRECT who had had ALL their charges reimbursed. The lady said 'i think you will find that is incorrect', so she must actually know the 4 people and you are of course telling big fibs'. !!
SO after lots more telling off and skirting around any discussion as to how they justify their 'unfair charges', or 'disproportionate amounts' she simply said that I had signed up to their T's and C's accepting the charges and as I didn't know how to go back to her on this I simply said I was sorry I didn't feel that I could accept the current offer and that I would proceed further to reclaim the full amount. At that point she said she needed to speak to someone and she came back very swiftly with a much improved offer of only £60 less than the full amount. I would have been a fool to refuse so I accepted but I understood that I would still need to sign a letter to confirm that this payment would be a 'full and final settlement'. What concerns me is that in the letter they also are asking me to sign my agreement that from now on in I will have to pay these 'full' charges again? I'm not quite sure it will say this as she wasn't quite clear and of course if this IS the case, I am not happy about this.

Has anyone had any experience of this? It's just I haven't heard about 'what happens next'? after you get your charges back whether your account has been closed or not. Surely after going through this procedure we wouldn't expect to go back to paying these unfair and unlawful charges again would we?

Can anyone advise? (sorry for long note)
best luck to you all,
Lucy.
p.s. BTW I have been a loyal customer for FIRST DIRECT for over 14 years. Donation on delivery of bank charges!

Added: 1 Jan 1970

roger bentley
Hi, saw the programme on tv and downloaded letters off the bbc website, which i believe uses your templates. i got my 6 years statements for free and totalled up a sad £931 in charges, hand delivered letter to branch on 5th jan, acknowledgement next day, rang 18th to remind them that the 14 days was up next day, they said it may take until 1st feb. Today 19th got letter offering $487, read all the letters on your website and rang them, remaining firm and polite and stated i would go to court and reclaim fees and 8% interest on top. They immediately offered £900, saying this would be credited within 10 working days upon receipt of my acceptance letter. Thats perfect, saves time waiting and its money that is sorely needed. Many thanks, my mates are going to be on the bandwagon next!!

Added: 1 Jan 1970

frank
Over eleven years Nat west charged me £60000 in returned cheque fees three years ago I went to court I represented myself I lost but the judge summing up said I had a good case if I had a barrister to represent me I was sold down the river but I intend to reopen this case they shut me up with a court order.I have nothing to lose they ruined my life and destroyed my marriage.Its not only the money dont they understand they are playing God with peoples lives.I am now reclaiming from nine other banks Halifax has already paid up on one account Im going the whole way.

Added: 1 Jan 1970

Mais
I have been with this bank for over 30 years and have an overdraught facility of only £200 and have never been in a position to incurr penalty charges. However, during the Christmas period I inadvertantly went £10 over my OD for ONE day! They charged me £20 for making a payment and another £30 penalty. Had it not been for my son telling me to phone and complain I would have just paid it. Abbey told me it was their policy to waive the first panalty charges in any 12month period as a gesture of goodwill and retracted the charge. How many more people like me have paid these charges without question to Abbey and other banks, raking in thousands?

Added: 1 Jan 1970

Lee Taylor
Eventually after denial after denial and constant harassment from debt collecters Debitas and HL Legal and having to push all the way to applying for court action.

I have finally been given a refund, plus court costs plus interest as an out of court settlement totalling £1500. They pushed it to the edge and put in a defence saying some of my figures were incorrect before finally writing to me sayin they have checked the figures and a new balance is due as a refund on a no admission nor any liability
basis.

PLEASE DONT PUBLISH MY NAME or Email address.

Even the phone has stopped ringing... thanks

Added: 1 Jan 1970

Kevin
I made a claim of £180 and it was settled in full by Barclays within 14 days as a gesture of goodwill. Thanks very much to the penaltycharges.co.uk team.

Added: 1 Jan 1970

debi
A couple of years ago i went through a bad patch with my finances, i became overdrawn. The halifax charged me £35 each day for weeks ! I ended up with nearly £700 in charges on my account, i tried to reason with them over the phone a couple of times, each time ending up in a real state, devastated because i couldnt stop it spiralling and could not afford to pay it back, only when a debt collecting agency called, did i have the abilty to stop the interest spiralling, and be able to pay this off at so much a week.. as a result im probably blacklisted to. The Halifax had no interest in helping me at all. Only three weeks ago i read about this site in the daily mail, i thought i would give it a go, last week i received a letter together with a full refund expected any day soon!! So give it a try.. i have a second disagreement with them on the boil at the minute and for me ITS ALL OUT WAR.. TELL ALL YOUR FRIENDS ABOUT THIS WEBSITE TO.. the power is back in the peoples hands for once. If i get no joy with this second account, im getting legal aid to go to court. (this one is a missed account on a change of address i gave, they charged me 270!! AND IM DAMNED IF IM LETTING THAT GO !!

Added: 1 Jan 1970

Martin Barratt
I was owed £240.00 by Barclays, who, folowing my first letter offered me £90.

I wrote a second letter asking them for £160 (as i dont want to run the risk of losing my overdraft) and they wrote back saying they still disagreed but as a "gesture of goodwill" had paid the £160 into my account that day.

That will do me!

Added: 1 Jan 1970

Liam Pearson
As Per The Story Below, i did bank with the RBOS, until complications and debt made me stop banking with them, i was being charged on average £70 - £100 a week, sometimes abit less like £10 - £30 dependng on what it was for, when i a friend informed me of your site in November, by December the 19th i had gotten my 6 years of statements, totalled them up and sent only 1 letter to the bank asking for my charges back which totalled £1,117.

4 Days ago on thursday i recieved the same letter from them as below making sure i wont try and get them with this again, which i wont because the account is closed and has been for nearly 18 months now. On The letter it said you signed up to our account with the understanding of charges and they said they would not pay, but on the second page that magical word HOWEVER said we had made a descision and paid me £1,300 So just want to say a huge thank you to you letter that has made me £1,300 better off. Cheers.

Added: 1 Jan 1970

kelly
my auntie told me all about the programme on tv about reclaiming bank charges, so i copied the 14 day letter from the bbc website, and sent it on the 3rd jan, got a letter from the halifax on the 5th jan! saying it had been passed to the relevent department, on the 18th decided their time was up, so i gave them a call and was told that a letter was in the post offering me £700, the letter arrived the next day saying to call them if i wanted to decline or discuss it further, which i did, i spoke to a very polite guy, and got £1000, which i am more then happy about, the charges ammounted to £1280, but in hindsight i think i would have got more if i persisted but its still a £1000 i thought had gone for good, just waiting for the acceptance letter. easy as that!!!
my next target is an account that was closed last year, just sent them a letter requesting all my statements, so fingers crossed it will be as easy as the halifax!!!
thanks "penalty charges" for all your advice!!
kelly

Added: 1 Jan 1970

Peter
A quick and easy success story. The letter was forwarded to Natwest, and within two days I have received the following reply by email:-

In view of your comments, I have reviewed these charges for you. I note that
the charges have been taken correctly and in line with the terms and
conditions of your account. However I am pleased to advise you that I have
arranged a refund of £56.00 to be passed to your account within the next
five days. I have also arranged for the Unarranged Borrowing fee of £28.00
due to be debited on the 31 January to be waived. I would emphasise that all
future correct charges will stand.

So a success, I should think.

Added: 1 Jan 1970

Francis
Hi, heard about Steven's story on the news and checked out the website.
On the 4th I wrote Barclays claiming £1050. I got a letter in the post yesterday offering £850. I will probably take the offer.

Added: 1 Jan 1970

S Menon
Hi Penalty Charges...This is infact a fantastic site..! My husb always used to get penalty charges and used to be bad at managing his account. Quite few occasions, he did call halifax and get the money refunded. But recently they rejected and that's when i happened to hear a radio programme and BBC tv show. Logged online and got the whole list of bank statements for 2 accounts for last 6 years. Totals to about £2200. Send the letter on 22nd Dec...and on 2nd Jan Halifax replied stating they rcvd the letter and will look into it in more detail. On 12th Jan they got back to repay 1600...and if we had any concerns to contact the person below. We spoke to the person....a very nice lady and she increased to 1800 and refused to pay the interest. She said 1800 is the correct amount and they cant pay the interest. I asked for that letter in writing and reviewed my accounts. It comes to £2200 and wit interests come to 2400. So i have written an additional letter clarifying that the whole amount is 2200 and wit interest it will be 2400. If they cant settle the whole amount + interest, we will file the claim in the courts. Fingers crossed and waiting for a response. Hope they accpt without the hassle of court claims. Cant understand why they have paid the full amount for some with interests and the others they keep neogiating..!! Anyway...this site has been giving me courage and encouragement not to give up...! never been so confident ever before....thank you VERY much..:))

Added: 1 Jan 1970

Sophie Talbot
I followed the guide, got hold of my statements and wrote off to First Direct. They offered to repay the full amount refundable (I had mistakenly included a recall fee, arrangement fee and renewal fee).

Total refund: 233.50

I'm now working with my partner on his claim which is likely to be in the thousands!

**THANKYOU SO MUCH**

Added: 1 Jan 1970

NUALA
After reading in the Daily Telegraph that I could possibly claim back the various overdraft charges my bank has charged, including 2 months penalty charges of £75 each (way above the quoted rates) I viewed this website and completed your template initial letter and sent it off on 2nd January

A couple of weeks later, I recieved a letter from HSBC saying that while they believe they would win if the case went to court, they did not want to suffer the loss of their time and legal costs They proposed a full refund of the money that they had taken from me - £365 in total.
This was credited to my account today

Thank you very much

Added: 1 Jan 1970

Tanya
I heared about this site and thought i would have a go.I would never have done it without their help,advice and support.I have just received my claim in full £1,333.46.Started my claim 06/2006 and it is now 02/2007.It took a long time but worth it!

Added: 1 Jan 1970

Vinnie Stevens
After watching The Money Programme and obtaining more information from this excellent site, I was surprised to learn that charges applied to my Bank Account were unlawful and that there was something I could do to fight back.
First Direct were very co-operative in supplying statements from when I opened my account at the end of 1993. They had extracted in the region of £1,600 from my account. I sent them the '14 Day Letter' by Recorded Delivery, demanding they gave it back.
I received a reply to say they had acknowledged my complaint and I would hear within 10 working days.
After 10 working days and no further contact, I issued Court proceedings which I paid £120 for (and of course claimed the fee against First Direct).
Two days later - this morning in fact - I received a letter from my Bank offering me £1,411 which I am going to accept.
Interestingly, the letter states, "We are confident of our position and believe that if your claim for a refund proceeded to Court, we would successfully resist any legal challenge in relation to these fees. First Direct is, however, mindful of the management time and irrecoverable legal costs we may incur in relation to such a claim. For those commercial reasons alone, and without any admission of liability whatsoever, First Direct is prepared to make a payment to you in the sum of...", etc.
I am now helping some of my friends to claim their own money back, which is just as satisfying. Personally, I'm going to try and manage my finances a bit better in the future!

Added: 1 Jan 1970

jackie f
After the BBC programme and finding your site I succesfully claimed £2309.91 from the Alliance and Leicester, whose charges have always caused me grief, including begging phone calls from me, desperate not to increase my debts which of course they did. I did the whole claim on line got my 8% interest and costs... Now getting paperwork ready for the next one! When are the charges going to be set at a fair rate? Will it be reasonable to claim again from the same institution if applicable?!

Added: 1 Jan 1970

Bevmac
My name is Bev I found out about this wonderful site from Martin Lewis Money saving site. I joined the site in August 2006 over the previous 10 months my husband had lost his job a couple of times and we had spoken to the bank about an overdraft but because we had charges they would not give us one. We held a mortgage, loan , current account (in hubbies name) and a joint account as well as savings account with the Halifax. What had got me so mad about them was they were quick enough to give us these things but not will to help us get over a lean period when only one wage was coming in. So I sent for the statement and was so surprised when I added up my total charges over the 6 years the bank had taken £2313 with interest this amounted to £3063.00. This was paid after I filed in court during which time the Halifax put further charges on to the account which I promptly wrote to reclaim back. I have in total so far regained charges of £3526. I have just filed in court for the joint account. I have since left the Halifax and my finances are now back on track thanks to www.penaltycharges.co.uk. Thank to the Admin and moderators and wonderful people for all you help.

Added: 1 Jan 1970

fran
Hi. Just wanted to share my story so others out there realise how easy this is and that it does really work. I received an e-mail from GAUK, i read the e-mail and did nothing about it at first. Then i went on maternity leave and was only receiving a third of my normal salary. I contacted First Direct to go through my options and to be honest they didn't offer any ! I started to get charges upon charges, so in the end i cancelled the account with them as I was so angry. Anyway I remembered the e-mail and went through it again. I was sceptical at first, but when I went through my bank statements for the last six years, i had paid £1841.00 in charges. I sent the template letter and within 3 days had received a later advising they were looking in to. Within 14 days (today) I received a letter offering me £1815.00 - that simple. No arguements, no threats !!

Added: 1 Jan 1970

Ian
MBNA run their own credit card and Alliance and Leicester's. I worte to them about the MBNA card and the A&L separately. They have paid me back over £1100 as 'goodwill' and have been very professional about it. One credit card account ended up in credit!

Added: 1 Jan 1970

sue
Wrote to them in December asking for £680 plus interest & they offered £200 so I continued to write asking for the full amount and got £782 last week. Don't give up thye know these charges are illegal but are just trying it on!

Added: 1 Jan 1970

Jenny
I got on the penalty charges game almost a year ago now. I was annoyed with HSBC's excessive charges they were for abour £300 which I got back from the first letter. Go for it! what do you have to lose? I ams currently waiting for a response from Alliance and Leicester now.. so fingers crossed. Make sure you send any letters recorded delivery, it may cost a bit more but it's very satisfying to call the bank and prove they have had the letter when they try the old haven't had it yet trick!

Added: 1 Jan 1970

hannah
I discovered that i can claim back my bank charges just before the new year on television. i wrote to my bank immediately with all my statements. after 2 weeks i got a letter saying they would consider my claim and be in touch with me soon. well, i gave them another 2 weeks, after which i wrote them another letter,that if they didn't settle this matter within 7 days i will go to court, and exactly one week later i got an offer. my claim was for £738 and they offered me £731, which is probably a mistake i made. so now i've accepted it and wait to see it in my bank account soon.
what do you say, even a brainless mother and housewife can do this...
i'm also awaiting replies on two other accounts and if they don't, i will use the money i got to take them to court...
i'm telling all my friends about this...
...spread the word...!!!
good luck to all you out there!!!
hannah

Added: 1 Jan 1970

Deb
Sent 14 day estimated costs letter nothing returned - started court proceedings in the meantime £1170 placed into bank account no letter nothing. Although we had estimated costs at £3400 (interest and 120 court fees included) They sent a curt letter stating that this was to be the End of All costs. We then informed them that as detailed in our letter court paperwork had already been sent The response was very negative.However, the total requested £3400 is in our account today! Of course we have sent a donation. Thank you

Added: 1 Jan 1970

Ian Clark
I heard that people could get back charges on late payment of credit card accounts from the BBC and followed their links to yourselves.

I downloaded your letter put in my own details and although the claim was only for £90.00 went to the post office and recorded the posting. Within a week I had a reply telling me my case was being reviewed.Today I had response saying that they thought their charges were fair and just but replacing £88.00 back into my account as "a goodwill gesture". I call that a success and can only encourage anyone with these charges to ask for their money back. Better in your pocket!Thanks once again, Ian Clark.

Added: 1 Jan 1970

Paul
I strongly suspect that my story is related to the work of this and similar sites. Without my asking or enquiring Lloyds TSB refunded over £700 to my bank account in overpaid charges following an internal audit. It was a very nice surprise and also to their credit. But it also indicates a recognition of wrongdoing in the past. Let's hope this is a precedent for other Lloyds TSB customers and customers of other banks.

Added: 1 Jan 1970

Phil Findlay
Like most people I watched the TV programme and listened to Radio 4 regarding the issue of bank charges. I have not been a banking saint over the years and most of my accounts have been up the left. Especially my HSBC current account, intriged by the whole thing I added up my charges over the six years and they came to £1431.75, excluding any interest. I came to this site, downloaded the letter to send to my bank asking for my charges back. They received it on the 13th Dec 06, wrote back within 14 days saying they would look into my complaint. And yesterday 27th Jan 07 wrote to me saying that they were sure they would win if it went to court but due to costs would offer me £1245.00 as full and final settlement of the matter.

I'm gonna accept, as it means I can clear two OD accounts I have saving me £30 a month for the next 5 years if I were to pay them off the long way round.

One letter, one signature, 97p on recorded delivery post, a few weeks of doing nothing = £1245.00

I think a result, thanks to the info on this site and others.

Halifax is next on my hitlist!

Good luck all!

Added: 1 Jan 1970

Jo
Very simple, saw the original article on the news 24 website, I downloaded the form for sending to the bank in early January 07, made sure I had all statements as proof and made a claim for 529.00 pounds with the threat of court action. Two weeks later a phonecall from the halifax with them justifying their penalty charges, but would like to offer me a gesture of goodwill for the amount of 500.00, would I like to accept, the answer was yes on the proviser that I sign an acceptance form that no further action be taken. AGREED, five days later voila money in my account. End of January 07 here I am writing this.

Added: 1 Jan 1970

alice linford
i first became aware of this story on the bbc money program. i printed off the template letter and sent it off to my bank hsbc along with my high lighted statements from the last six years and my total £2129. i sent it recorded delivery even though my bank is 200 yards away! i got a very swift reply saying that they were not obliged to analyse my statements. Very well, so sent them a list and the exact same letter as i sent the first time. i got another swift reply saying they were looking into it. the fourteen days were nearly up and i was just about to write again stating my intention to proceed to court when on the 14th day i received a letter offering £1810. they also stated that this was to avoid wasting management time on a case they were bound to win but that all costs would not be recovered. the repeated several time that the offer did not mean they were admitting to anything!
i accepted the offer as i could not be bothered to go any further.

many thanks to this site.
good luck to others

Added: 1 Jan 1970

robert baldwin
after reading all the stories on this wonderfull site and getting fed up of being charged time and time again, i decided to act. i downloaded the template letter and promptly sent it off to my local branch, claiming back a sum total of £900 for the last four years(since i opened my account)
this was sent off to halifax head office by my very efficient branch manager lol. one week later and to my suprise i get a phone call fron the said head office offering me £300 as a goodwill gesture. i declined this and told them i wanted £800 they then offered me £700 which i was happy to accept without having the hassle of court. thank you so much for the advice you gave me. and to anyone out there thinking of doing the same... go for it YOU CANNOT LOSE.

Added: 1 Jan 1970

Chris
Used the template and asked the Halifax to refund £5215.00 in illegal charges over the last 6 years. They offered me £210 then upped it to £827. I refused the offer and lodged the papers at the court claiming a total of over £6000 with interest. Halifax wrote to say they would defend the claim and then promptly paid all the monies claimed in total into my account. Thank you for your help.

Added: 1 Jan 1970

Tony Kaye
Hi guys,
thanks to your expert advice I have followed all the steps in the guide and have requested a full refund of charges of 2,573 pound from NatWest, I sent my first letter requesting all my statments excatly one month ago.and today 5th Feb 2007 i have recieved a letter from NatWest disclaiming any liability but prepaired to make a good will gesture by refunding into my bank account the sum of 2,573.00 pounds.The full amount that I asked for. This was sorted out very fast and all within a month ,with no fighting,haggleing,or time delaying tacktics.im amazed.thank you guys for all your advice and help.
kind regards
Tony Kaye

Added: 1 Jan 1970

Kate Jones
I wrote to Natwest with my 14 day letter and statements, I received a confirmation of my complaint. Today, I received no admission of liability or wrongdoing, but I have been offered a "goodwill gesture" of my £1,079.00 being refunded. The amount I asked for. I am over the moon.

I just have RBS, Barclaycard and Capital One left to fight.
No word from 14 day letter from RBS yet. Capital One offered me £112 of £200, I haven't accepted, and Barclaycard have offered £48 of £168, also refused. I'm using this money to pay back the credit cards themselves, and a loan, I will be debt free, and the best part? The banks are doing it for me!

Good luck. Don't accept rubbish offers, and be brave! It's so empowering, and it's changing my life.

Added: 1 Jan 1970

Rob Sked
I have been given a second chance to clear my banking history of all it's black marks, thanks to this wonderful site and it's helpful guides.

When I first read about the penalty charges, I downloaded my last 6 months worth of statements and worked out that I could claim back at least £1800.

After sending this and the letter to my bank, I recevied a letter back asking me to prove these six months, and that a copy of the statements would be sent to me.

This got me to thinking - I wonder how many proper statement pages I've got?

One weekend of clearing up later, and I had all of my statements going back to 2001. Ok, I was missing about 15 pages, but I spent the rest of that weekend trawling through the charges.

Silly things stood out, such as an eBay direct debit that bounced for £2.70. I was charged £38.00 for that little mishap.

Anyway, after going through my 6 years worth of statements, the total charges were staggering - £3316

I was in shock.

So I went on and completed the letter for 6 years, and duley posted this off to the bank, with copies of all the statement pages.

Imagine my suprise last friday (26th Jan) when I recevied a small letter from my bank, with a leaflet on their charges.

After getting to the bottom of the first page from them, I was reading "We feel that our charges are justified".

I was cursing, as I knew what was going to be said over the page.

Imagine my face when I read "As a gesture of goodwill, etc ect, we will credit your account in full the £3316".

I got it all.

And I owe so much to this site, you've really given my life a fantastic chance to get better.

My message to all of you reading this - it does work, and it's worth it.

Thanks to everyone associtated with this website!

Added: 1 Jan 1970

chris
after hearing about this site via the money programme i invested a small registered letter postage with you template. on reciept MSDW accepted that they had been reviewing their charges and after an internal audit had repriced their charges list; to this end they reimbursed £16 out of 2 late fees at £15 each, not alot i know, but the point has been made !! well done to all you brave individuals out their trying to cope

Added: 1 Jan 1970

Kathy-marie
i was a single mother and due to depression lost my job. at the time I moved to another town and changed my address at my local bank, however halifax continued to send correspondense to my old address so it came as a shock three months later to find that when I retrieved my mail I had been charged repeatedly for going over my overdraft by 3 pounds. I was at the time on income support and was horrified that even though the bank was awre of the situation they made me pay in total 570 pounds !! I thought that Id never retrieve this money until my dad realised that the amount that they had charged me was akin to a moneyshark !!! He found out through Martins money tips how to claim for me and we took the matter all the way to court procedings using the templates. I have just been awarded 706pounds from the bank as an out of court settlment although they do not admit liability . Im now starting a claim on my boyfriends account which goes into thousands. Il keep you posted on that. DONT GIVE UP !!!!

Added: 1 Jan 1970

Gemma
My colleague had seen the money programme on BBC and told me about the illegal charges. I requested my 6 years bank statements on 2 accounts and they had charged me in total £1831.50. I received a letter offering me £1300. I declined the offer and sent a letter requesting the full amount to be refunded or I would see them in court. I have since received a letter offering me £2736.50 which of course I accepted. I should have the money in my account by the end of this week. Happy days!!!!

Added: 1 Jan 1970

Kevin (IOW)
I stumbled across this marvelous site by accident and thought to myself i will give it a try. I downloaded the template, sent my letter requesting £3850 in charges and 13 days later i get a full refund no questions asked.I am now doing the same for two more accounts and friends are getting me to help them. SO DONT B AFRAID TO TRY.!!!!! IT WORKS

Added: 1 Jan 1970

Jo
Natwest received my 14 day letter last Wednesday 24th, together with copies of statements. I received a reply from them today offering to refund the full amount of £143 (only a small amount I know, compared to some of you guys, but still alot to me) as a gesture of goodwill. A total success I feel, without any hassle or stress whatsoever - and with a superfast turnaround of just over a week.

I wish everybody the best of luck with their claims, and thanks also to this site for giving me the confidence to just go for it!!

Added: 1 Jan 1970

Lisa McDonald
I wrote to HSBC on the 4th January, wanting to claim back £1100. Got a letter yesterday (1.2.07) from my bank offering me £957.00. I think i'll take the offer.

Happy shopping to me! hehe

Added: 1 Jan 1970

Gary Handa
I was, as I'm sure a lot of people are, skeptical. But having been with the Bank only 13 months and having racked up £912 of charges, I thought I had nothing to lose - so I followed your template guide word for word. 12 Days later I received a letter telling me that they didn't agree with my complaint, their charges were fair etc. etc. etc. My Heart sunk...until I turned the page: "However, having reviewed your case..." they agreed to pay me back £912!! What a result -thank you so much!! I am now starting the case against an MBNA credit card which I no longer use which will run into thousands over 6 years. PayPal donation on its way!

Added: 1 Jan 1970

Neil L
I came across this site after reading an article on the BBC website in December. As soon as I got home I checked my bank statements and since 2004 (when our son was born and we had survived on one wage) I'd racked up over £1200 in bank charges. I set the ball roling and with help from the mods and admins within a month I got back just under £1800. I've now started to tackle our joint account with Lloyds and my wife's accounts with Natwest.

This is a great site and a very happy family.

Long will the success continue

returnofthephoenix

Added: 1 Jan 1970

Louise Wood
I claimed for £1,275 in charges, I received a letter after 2 days stating that they would be looking into my complaint and reminded me of the official complaints procedure available at their website. On the 14th day i noticed the fees had been refunded to my account, short of £40 :)

Added: 1 Jan 1970

Lynneranghel
Hello all,

Just a note to thank everyone dedicated to helping others to recoup money taken from them by the banks etc.My husband and I started our claim on 8th January and got the usual delaying letter from the bank. We gave them more time and yesterday were preparing our spreadsheets to make our claim with the court on-line. This morning we have received a letter from them offering us £3500 (claim was £4053-50).We are happy with this because quite honestly we weren't looking forward to the whole court thing and we really think that as we were overdrawn quite a lot we have been offered a reasonable sum.Thanks once again to the people who run this site, without you we wouldn,t have bothered to do this at all.
We are now going to arrange our first holiday abroad as a family.

Best wishes
Lynne

Added: 1 Jan 1970

Maria Cann
After having the same account with the bank for over 20 years and previously worked for them for 10 years. I had never before had any blemishes or problems with my account, unfortunately this week I happened to go 5 pounds overdrawn for 1 day only at which point they immediately sent me a letter notifying me that they will be charging me 30 pounds. I feel that this was totally unfair considering my history with the bank aswell as very impersonal and considering I also have another account with the bank containing several hundred pounds I feel that this was very unnecessary.

Added: 1 Jan 1970

Ross
I have just recieved an offer from Barclays for £560. Thank you for bringing this to my attention.

Added: 1 Jan 1970

Kelly
My claim reached the stage of a court date being set then without any offers being made, any warning logged onto my bank one day and there sits £3272.00 settling my claim in full with all interest. Lubbly jubbly.


Added: 1 Jan 1970

Mike
Found your site via the BBC website, followed your instructions and sent a letter to my bank 15 days ago, asking for repayment of £355.
Heard nothing and so today contacted the bank to inform them that I would be proceeding to the small claims court if I hadnt had this matter resolved by the end of the day.
Recieved a call back from Bank (first time that has ever happened) within 30 mins to inform me a letter had been sent to me yesterday and that £342 had been credited to my account and would appear on Momday.
A huge thanks to this site, and as a fellow Plymothian, I feel we should erect a statue to you Steve on the Hoe alongside Sir Francis Drake.
Thankyou

Added: 1 Jan 1970

Ken McHugh
I followed the guide on your website and have just received a goodwill gesture offer of £2187 from the NATWEST. This amount was what I had asked them to return in penalty charges over the last 6 years. This site has been a godsend. Thank you STEVE and your team for providing the information

Added: 1 Jan 1970

Richard
Back in the summer I heard a few people talking about this idea that you claim charges about. I thought it was just an urban myth but started hearing it more often. I was sent the link to www.penaltycharges.co.uk and spent a couple of hours reading all the articles. I sent off the template letters and got the standard reply of it's in T&Cs. I started my online cliam at the start of Jan 07 and have just received my settlement in full £1,497 including the fee for the claim. Thank you to all at www.penaltycharges.com I literally couldnt afford to eat, it was perfect timing.

Kind Regards

Richard

Added: 1 Jan 1970

Pensioner Penny
I was so scared to start claiming. I was sure that I would get into a mess over my head and make my situation even worse.So to find out more,before commiting myself, I registered as a member and started asking questions. Straight away I was made to feel welcomed,and was given unending support and advice.(these people are so patient)I was helped every step of the way. This week A+L settled out of court for my full claim of £3,468.95p. Many thanks to Steven Hone and his army of Moderators and Members.It's hard to believe that all the legal and practical advice is completely free. This site operates soley on members donations and the goodwill of those running it. Thoroughly recommended.

Added: 1 Jan 1970

Stuart & Jane
Thanks for a great website and the inspiration to reclaim our charges. We have two accounts with First Direct and wrote to them using the standard letters from this site.
We requested that First Direct returned £695 and £937 a total of £1642 on 3rd Janaury 2007. We are pleased to say that First Direct have now returned £595 and £800 a total of £1395 in repsect of those claims, in under a month.
Many thanks it very easy thanks to your site.
Stuart & Jane

Added: 1 Jan 1970

karen johns-bromley
Just a quick one...submitted my 14 day warning letter on 6/02/07 expecting no response. To my totally amazement I received a letter less than 4 days later, advising me they will be making a total refund via cheque in the next seven days, due to them not wanting to get into time consuming costly legal court battles.

Added: 1 Jan 1970

Dave Usher
Claimed: £225 + £25.39 interest + £30 court fee

Received: £280.39

1st letter replied with the standard "part of terms & conditions" refusal letter. 2nd letter threatening court proceedings still replied with 'sorry but no!!'. Submitted court claim online using Moneyclaim.gov.uk - before the action was deemed to be served (5 days) received a letter and cheque for the full amount from their solicitors. Not accepting liability but settling to avoid the expense of going to court!!
Advised that A&L would be contacting me regarding the account as I obviously don't accept their terms and conditions.
Off to the Halifax with my banking, £100 bonus + 6% interest.
Win-win

Thanks for the encouragement.

Now for the rest of the family!!

Added: 1 Jan 1970

Kirsty
After watching the tv programme, I sent of for my bank statements and was shocked to find out that over a 6 year period had in total been charges £4500. I sent my letter off recorded delivery and had a call from Halifax within 10 days offering me £3000 as a gesture of "good will", I accepted, and had the money back 4 days later. This money is now being used to finance my travels!
So good luck to you all in reclaiming!

Added: 1 Jan 1970

Rebecca Grant
I earn a low wage of £800 pm and due to bad budgeting ended up bouncing cheques or going over my (already maxed out) overdraft. Every time i went into my local brach for advice they said "stop spending money" and when i asked for budgeting help they said i should consider taking out a loan. Last month (yes, January 07) I got a massive £290 in total in chrges alone. Yes, that much, One day I had a standing order for 3 charities, a total of £12 paid out by the bank and I was chrged a massive £90 for that one day!! So i decided to take control and researched into my rights. After coming across this site I went into my bank and requested 5 yrs of bank statements which i recieved in 7 days. I printed off the template letter and calculated my total, which turned out to be £1214. I sent the pack and 3 days later had a personal letter from the bank saying they would contact me within 4 weeks. I waited.. 3 weeks later a letter arrived saying they would offer me the full amount. all this within 5 weeks. thank you so much!!!!

Added: 1 Jan 1970

Anon
Sent my letter to the RBS along with the highlighted statements. Within 7 DAYS I received the same letter as the previous RBS contributor, 1st page detailed was RBS denying all liability 2nd page however we are prepared on this occassion to issue goodwill payment. Have had to waive my right to future claims for charges but considering I got back over £1000 it was well worth it. This works RBS policy is settle if you have suffered charges get them back!

Added: 1 Jan 1970

Snowdrop
I have succesfully recovered over £6000 for my 2 sons and their 2 mates. It is easy peasey.

Added: 1 Jan 1970

Sheila & Peter
Sent standard letter to A & L for £2399 on 18th jan. got letter back stating sorry but they were following standard terms and procedures. Filed claim with county court last wednesday (7th feb). Got cheque today for £2519 which are charges + claim charge of £120.00. thank you so much for your help, now off to bleed Lloyds dry!!

Added: 1 Jan 1970

Chris H
Like several of your previous correspondents I wrote to RBS using your standard letter and enclosing highlighted bank statements. I also received the standard 2 page letter 2 weeks later denying any wrong doing but, on the second page, offering the full amount I had requested (£1500 from 3 accounts, ranging from £90 to £1200) "as a gesture of goodwill" . What a load of nonsense! Whoever heard of a profit-making organisation handing over this sort of money unless they had no leg to stand on.

A note of caution: I have had subsequent charges which my branch refused to refund when I telephoned them and I was told by letter that if I pursued further claims against them they would consider changing my account to one without lending facilities - ie no cheque card or switch card. I haven't pursued things further - yet.

Added: 1 Jan 1970

Jonas Smith
I filed the 1st letter to my bank back in december 2006 and recieved the useual rubbish about them being allowed up to 8 weeks to respond, and sure enough i had no reply so i then gave them a little reminder by sending the 7 days good will letter and still no reply, i then decided to send off the court forms and hey presto a week later natwest group litigations were on the phone begging me to drop the case!!!

They settled for a whopping £940

My original claim was only £643.75

Thanks to all @ Penaltycharges.co.uk

Your Legends!

Jonas Smith

Cardiff

Added: 1 Jan 1970

Angela
After a collegue tipped me off I followed the advice and sent the 14 day letter with the statements. On the 13th day they offered me £899 (original claim £1051. I accepted the offer and an very grateful for the advice. I am currently helping my husband claim back his charges with Abbey this is not proving so easy.


Added: 1 Jan 1970

Norma
I was told about penaltycharges.co.uk by my sister 4 weeks ago. Used the template letter to ask for copies of charges and bank statements for the last 6 years. Received the bank statements yesterday and received a full refund offer from the bank today! I'm totally amazed at how easy this was and am telling everyone about this website. In 4 weeks I'm £300 richer! Not bad for the cost of a recorded delivery letter! Look out Alliance & Leicester!

Added: 1 Jan 1970

James
After reading about the questionable validity of bank charges on the BBC news website I followed the advice given. I went through all my statements from the past six years and discovered, to my horror, that I had paid out £3,868 in all assortment of charges. My problem was that one charge would lead to another and there was this dominoe effect. I photocopied all the statements, highlighted the charges and sent the letter suggested on the site, enclosing the statements, to my branch. 19 days later I received a letter from RBS explaining why their charges were legal but also offering me a settlement of £3,498. Given that the charges should have legally amounted to £370 I accepted this offer and within a week £3,498 had been refunded to my account. If you have been ripped off by your bank, write to them and get your money back.

Added: 1 Jan 1970

Andrew
I claimed £1500 worth of charges over two accounts from the last 6 years. My initial claim was rejected by the Bank saying that the charges were in accordance with their T&C. So small claims court it was!!
I used the on-line MoneyClaim link, very straight forward and it cost me £120 (which worried me slightly!). A few days later I recieved a letter from the Nationwide saying that they would defend my claim in full - again a little unsettling!! I held out and just when the 28 days was up (before it proceeds to court) I received a nice letter saying that the £1500 was settled and £120 paid back into my account! Result!!!
One strange turn of events through, on the same day I received a letter dated 4 days apart saying that it was clear that I would not service my account inline with there T&C's and they will be closing my account in 30 days - I have since moved the FirstDirect who are great and who paid me £50 for my business!!
It's very simple to do, this site gives you everything you need. My best advise is don't back down, stick with it and push them to the very end, they'll eventually come to their senses!

Added: 1 Jan 1970

Emma
MBNA did not make me suffer the full process and even sent my £10 postal order back I had sent to recieve my statements.

I have just been offered £504 "good will gesture" and am accepting it as this is the amount I would have been claiming for.



Added: 1 Jan 1970

Alexandra
It was very easy to get replies from Barclays but hard to get the money from them. My initial request was for £720.00 of charges. Barclay's offer was £365.00 as a gesture of goodwill. I declined saying that it was too little. I conducted research and as per my calculations I gave them a choice: i will not accept anything less than 15% from my initial amount otherwise i will make a court claim. Barclays withdrew my application and closed my file saying that I should be going to court to claim all charges back. I did not want to go to court, since it would be money and time consuming.
I then called them and spoke to the lady who was dealing with my application. We agreed on settlement in the amount of £500.00. I got it on my account within 3 working days.
The banks, especially Barclays, are not willing to refund the charges. I have to say that you have to be brave and pursue it.

"that what they want you to think, Great news on the £500
stephen1976"



Added: 1 Jan 1970

William
Thank you all for your advice and support. I have accepted Barclays offer of £1500 , out of over £2200.

Of course i wish i could have had the whole amount but due to my personal circumstances i could not have declined the offer, it was too tempting. Also, when you get your first letter, do not accept their first offer. Give them a call and within one minute, you can get an £500 increase, like i did.

So if you have the time and can afford to wait to get your money, go for it.

I have to say the whole thing has been less stressful than i thought, mainly because i didn't go to court, and barclays were rather quick in my case. I got my reply to my 14 days letter only 2 days after it was sent and we agreed on an offer within 14 days.

Added: 1 Jan 1970

hannah
2nd account i claimed for (1st one successfull)!!!
business account
started claim for £1334 on 4.1.07
recieved offer for full amount 17.2.07
no court just acouple of letters
really easy
one more to go and i've beaten them
good luck everyone

Added: 1 Jan 1970

anyca
hi, recently went through the process of claiming 1767 + 120 court costs, followed everything you said and hey presto, ive got my money back.... one brilliant site

Added: 1 Jan 1970

martin Newbery
Over 6 years I had racked up just over £3000 of charges.. so I followed your guides, today is the 14th day from the original letter, and I have just called NatWest.. they have offered me the full amount!! Thanks Penalty Charges.. I am now debt free :o)

Added: 1 Jan 1970

SConway
On 29th December 2006 I sent my first letter resquesting my bank statements for the last 6 years. I new I had had a lot of charges but felt totally sick when I realised they added up to £4546.00 I immediately sent off the second letter resquesting the bank to refund this amount as the amount was disproportionately high and unfair. I received one letter stating they would look into this for me. I got no further correspondance, so I starting proceedings online with the small claims court on 23rd January 2007 I was really please of how easy this was to do. On 13th February I received a letter from the Halifax plc stating that on a purely commercial basis and the fact that the Halifax would be unlikely to recover costs incurred by defending the claim without admission of liability they would be happy to reimburse £4546.00 in respect of the bank charges, together with £440.90 in respect of approximate interest as a result of these charges, also the Halifax would reimburse £120.00 in respect of the court fee I paid. This all amount to £5106.90 this amount was infact credited to my Halifax account. My account was not closed, though I decided when proceeding with this claim to open a new account with a different bank, so there fore I have changed over, and now I am closing the Halifax account.
All in all I am now a happy bunny...Thank you so much...with out this on line help I am sure I would have had a lot more problems in claiming back what I feel to be my money that should never have been taken out of my account. THANK YOU!
I really do hope that my testimoney (excuse the pun) helps others to be confident and go ahead and get back what is rightfully yours.

Added: 1 Jan 1970

Mark McRobie
My mum seen a thing about the Penalty Charges web site on GMTV - she was up early that morning and just caught. Knowing both me & my girlfriend had been hit with lots of charges over the years, she noted down the details and brought them over to our house. This was mid-December 2006. We each wrote letters to the bank to get statements, and in January 2007 totalled up the charges – mine were £866 and hers £1,475. We wrote off letters to the bank demanding it back, and a few weeks later we both got offers of the full amount paid back into our accounts! No court claims, no fuss! As of 16 Feb 07, we’ve both had the money paid back into our accounts. If it wasn’t for the friendly and helpful people at www.penaltycharges.co.uk, we’d never have known about it and certainly would never have been able to do it. So thank you! I now spend a lot of my time reading about other peoples claims on the web site, and offering help & advice where I can, based on my own experiences.

Added: 1 Jan 1970

Janice
I took your advice and copied the letter and sent it off last week,i was claiming for £1695.00,and the bank rang me today and offered me £800,i took the offer as i thought it was fair,thats half what ive been charged,thankyou very much for all your help,ive passed your website on to lots of people,they are amazed

Added: 1 Jan 1970

Rob Fell
Used your templates to ask for a refund of £1123 for Overdraft fees that I have paid over the lsat 6 years. There first response was to ask me to itemise each charge wich I did with the help of First Direct as they sent me a copy of every Statement for the past 6 years (free of charge). This I did and within 13 days the wrote to me offering a full and final payment of £870 whilst stating no admission of liabilty whatsoever. Which I accepted. Overall I am quite impressed with how First Direct dealt with this issue. One question that remains unawnsered though is what will they charge me again if I go overdrawn?

Regards

Added: 1 Jan 1970

Nick Karsa
hi,
i went through the whole process of asking for our statements then working out what we were owed. I was shocked when we worked out that The Halifax owed us £5059.00. So we sent out the first letter and they replied with an offer of £3300.00 in good faith.
We rejected the offer and sent off the letter giving them another 14 days. The we went online and started court proceedings. within 14 days they wrote to us saaying that it was not ecomically viable etc etc and that they will be paying us the full amount. Today £6189.25 was credited to our account. Thanks So So much.

Added: 1 Jan 1970

Donna Lewis
I wrote to Smile asking for £120 charges, and received a credit for £125 9 days later, apparently the extra £5 was a goodwill gesture. I have emailed the url for this website to everyone I know!

Added: 1 Jan 1970

steve mc
have just settled one of my claims with abbey. i had charges totaling over £12.000 over a six year period. started my first claim last october for £5707. Abbey settled out of court and gave me £6101.48. It has proved to me that it can be done and i have already got friends and family off on the same course. stick with your claim and use this site it does help a lot.

Added: 1 Jan 1970

Ryan Welsh
I wrote to HSBC just over a month ago with your sample letter. They responded saying that they would look into it for me. Today just over a month later they have advised they will refund me the full amount I requested of £612.00 There was no quibbles from them, just a straight forward postivie response......brilliant!

Added: 1 Jan 1970

Caroline
I saw The Money Programme last year and thought I must have been charged HUNDREDS over the past 6 years. I rang Smile to get back copies of my statements which they wanted to charge me £10 each for! Fortunately I found this site and sent of the DPA letter and a postal order of £10 in total. I was shocked when I added up my charges and the figure came to over £2600!
I sent the 14 day letter and got an email from the bank confirming that my refund had been approved in full. I was over the moon!
Then things got a bit irritating as the bank kept promising that the money would be in my account the next day, then the next day and so on for over a week. I got fed up with waiting for them so I filed my claim in court. They paid up 3 days later, and a week after that I got another £654 to cover interest at 8% per year and the court fee of £120.
It really is that easy! Thanks to everyone on this site who has helped me xxx

Added: 1 Jan 1970

Kev G
Hi there,

I wrote to MBNA on the 7th January and received a letter back dated the 16th letting me know that my complaint was being investigated. I received a further letter dated 31st January advising that they would like to resolve the matter and where making two goodwil gesture payments of £330.00 & 300.00 for two separate accounts. On review of my accounts and statements I found that they owed me £1420.00 so I send m 2x LBA letter requesting a full refund on 3rd February. MBNA send a further letter advising that there charges where fair but as they wished to resolve the matter they where paying a further two goodwill gesture payments of £330.00 and £356.00. This gave me a total refund of £1316.00. OK I was £100.00 short but I am happy to accept money I thought I would never get back

They were so easy to get money back from so go for it and get your money back

Added: 1 Jan 1970

Donna Jackson
I sent my letter off to Barclays on 18th January 2007 asking for £2182.50 and received the standard acknowledge letter about a week later saying they would respond to my complaint by the 20th February. On Saturday 17th I received a letter offering me £1000, I really needed the money but after checking the other success stories on the website decided to give Barclays a call before accepting. I phoned and with a bit of persuasion managed to get the offer increased to £1300. I said I would accept this providing the funds where transferred to my account the same day. I faxed back the confirmation they needed and sure enough, 5 minutes later I checked my account online and the funds had been transferred. I'm only nervous of them closing my bank account now. My husband also has an account with Barclays and suprisingly they have been calling the home telephone constantly wanting to speak to him about his overdraft facility. He's avoided there calls so far!

Added: 1 Jan 1970

rob
Like many of the banks the information from Natwest with regards to charges and acquiring past statements had been varied. Initially, when I enquired about statemnts at the branch I was told that it would cost £2.50 per sheet! Various peolple have shared their experiences and have given varying amounts of costs for statements. After considering this I went down the DPA route and managed to get every statement sent for a tenner. Calculated the amount and wrote to the bank - 2 weeks later got the 'usual' letter of no liabilty, remove lending facilities but here's all your money back - got every penny out of them £1155.50. The Woolwich are being slightly different - claiming over a £1000 again but they are claiming their charges are fair and will not refund, so a good will gesture letter giving another 7 days has been sent. Anyone else had similar problems with anyone not wanting to pay up?

Added: 1 Jan 1970

Alison
Thanks to your advice, which a friend told me about, I have successfully managed to claim £4,150 back from RBS in unfair charges over the last six years. It hasn't been a quick process, my first letter was sent to my local branch back in September 06 but after a delayed response of six weeks I followed the templates on your site and proceeded with requesting statements etc. I received a letter from RBS last week - just two days before I was due to start court proceedings - with an out of court settlement for the full amount requested. Thanks for your information and this has now put me on the road to tackle my other bank account now! I have passed this info onto other friends now to encourage them to do the same.

Added: 1 Jan 1970

Jonny
All £238 back, only a few weeks and a few letters and a full refund.

Added: 1 Jan 1970

Roger Mellie
They paid up 100% of the charges they took off me, it was suprisingly easy as well. This was all down to a phone call after an initial offer which was about 70% of the total. I simply said I would accept 100% and nothing less, they folded very easily and paid the money straight into my account.

You too can do it, with the help of this site.

Go get em Tiger

Added: 1 Jan 1970

Sophie
Started process 13/12/06. Lloyds decided to defend the case. 3 weeks after I submitted the court questionaire Lloyds solicitor wrote me a letter saying £2500 has been paid into my account. I only sued them for £1500.

Added: 1 Jan 1970

YorkieMike
Sent for the statements with FOI request. Received the statements and went through to identify the charges - which amounted to £836. Used Martin's Money interest calculator which showed £109. Wrote to MBNA demanding my £945. Reply said they were doing nothing wrong but offered goodwill gesture of £440. Wrote accepting the £440 as interim payment and demanded the reamining £505 or take them to court. Did not reply within 14 days so did court process on line. Within the week received another 'we are doing nothing wrong' letter and another goodwill gesture of £505. Got the whole £945 back.

Now seeking another goodwill gesture of £50 for the court charges!

My view is that it is easy if you take it step by step and keep a full record of everything you do.

Added: 1 Jan 1970

Gary
I would just like to say that I faxed the suggested letter to Halifax. Today, the day before the deadline was due to expire, I received a call from the Bank to offer me £1,000. I refused & stated that I wanted the full amount claimed for. A minute later they offered me £1,500. In fact more than I had put on my claim! This was all agreed within 3 minutes!

Therefore, thank you to penaltycharges.com. The letter worked a treat.

Added: 1 Jan 1970

Jon
Many thanks for all the help from your site. I recently received a letter from my bank offering me a refund of just over £1800. I didn't even have to proceed with a court hearing.

Many thanks

Added: 1 Jan 1970

Sharon Brown
A friend told me about this website so I looked under success stories for Alliance and Leicester. I then gathered my statements and highlighted the charges totalling £301 and submitted with the standard 14 day letter. Received letter saying no -they stood by their terms and conditions. I then filed a claim via moneyclaim.co.uk and 2 weeks before the case was due to be heard I received a letter with a cheque for £377.08 which included court costs and interest! I have since receied another letter stating it is not an admission on their part nor a sign of weakness and due to this action they are closing my account! I've already opened a new account with NatWest so they can keep their account. Bothered? I don't think so! Now waiting to hear back from HSBC. I've already filed a claim.

Added: 1 Jan 1970

Amers
On the 13th Feb 2007 I have sent the initial letter asking for bank charges totalling £354 to be refunded as this was an 'illegal' charge. I received their initail response within 3 days which was very good - in this they stated that the matter had been passed to the relevent department. Today - exactly 14 days after I wrote the letter I received a call from the bank stating 'you mentioned that the charges are illegal - you have signed up to the terms and conditions...the FSA has not made a ruling it's a recommendation...etc'. They offered me £250 as a gesture of goodwill as a 'valued' customer. As I work in the credit industry and have some dealings with FSA processes I had a good knowledge of what to say to this guy. I explained that my second response letter was ready as I was expect this tone of reply from them - I said for the sake of further argument and delay I would accept a refund between the two figures of £300.00. After speaking to a supervisor the bank has now credited £300.00 to my bank account this morning. I accepted £300.00 as this is money that I had written off in my own mind and the chap was fairly pleasant so we have done a deal!!

Added: 1 Jan 1970

Shaun
I contacted the bank after following the advice given and claimed for £1500 however was offered £700 in 14 days, however after refusing this I was offered £1200 which I accepted as the money comes in handy this month. However I also have on going process involving the Financial Ombudsman and the ICO which I am claiming for over £10,000 so this is going to take some time. However if I am right this will open a new opportunity to reclaim from the banks which dosen't involve bank charges, I will keep you posted.

Added: 1 Jan 1970

Andrew Smith
After jioning your site and reading with great interest the facinating events on the forum decided to go for my 4 bank accounts and 4 credit card accounts.
1st up Morgan stanley. Sent DPA 23rd January 2007. recieved statements along with a letter of offer 10th Feb2007.They acknowledge there have been £400.00 charges and are prepared to refund me £168.00 I reply on the 12th Feb with your 14 day and I actually have £460.00 charges that i am claiming back.
They Aknowledge reciept and state my complaint will be delt with within 28 days (14th March). I will be taking them to court on the 28th Feb if i have not recieved satisfactory refund.
21st February I recieve an offer in full for £460.00 Thanks to this site I have won. Amex Next.


Added: 1 Jan 1970

Paulski the Brave
At the beginning of this year I started figuring out just how much Lloyds had been charging me unlawfully. Like everyone else, I didn't believe I'd get my money back and when they replied to my first letter saying they didn't see their action as unfair I was sadder than a dead clown. Thankfully I had the gall to write to them again telling them I'd take them to court if they persisted and earlier this week they credited my bank with £750, which was exactly what I'd asked for. Do it! I can't emphasise the benefits of being just a little bit brave, you too can win!

Added: 1 Jan 1970

Steve
£2400 they have agreed to write off that they were claiming, but which I showed to be penalty charges and interest on penalty charges and refused to pay. Thanks! You just have to stick to your guns and not allow yourself to be bullied into accepting their line that "you signed up to the terms so therefore it is due". Note for anyone else charged a "referral fee" or "referral levy" by Amex - the OFT published some case studies and one was specifically to do with this Amex charge, and concluded that it was likely to be a penalty charge.

Added: 1 Jan 1970

Cheryl Parker
Having followed the instructions from your site and the Daily Mail I requested 6 years statements from the bank and they came through within 14 days with no charge. I calculated £2,793 in bank charges sent off your letter and spreadsheet and within 10 days I received an offer £2375 which I will accept. It was easy and I have to say I am impressed with how swiftly First Direct dealt with this.

Added: 1 Jan 1970

Stacey Smith
These had taken money off me over the last 6 years and some months the charges were as high as £600. As you can imagine this left me very short and these charges kept on rolling in as a result of the high charges they were demanding. After looking on this site and seeing what could be done, i took the plunge. Requested 6 years statements and added them all up. I was amazed to see that they had actually taken £5390 pounds over that period.
Filled out the letters as was shown and sent them off. 14 days later no response, filled out court forms and sent them off. 14 days later no response. Enforced judgement against them and sure enough, two days later had £5640 credited to my account, however in the letter it stated that they were not at fault.!!
Victory to me, now im going for MBNA with credit card. £25 for every late payment and £25 for over limit. Lets see how they defend it!

Added: 1 Jan 1970

Deb
Followed everything you told me to do, charges came in at £931, sent letter giving them 14 days which would have expired tomorrow, received letter today offering £538. I telephoned them and said I would not accept this, I said I wanted £800, the lady went away and came back to tell me that they agreed to that!! £800 going into my bank within 14 days! Thanks very much penalty charges!

Added: 1 Jan 1970

Sister Grace
A friend sent me a link to your website in January and I Thought I must do this but didn't. Then I got my statenment and saw that I went 18p over my limit and was charged £25 for the privelige. I challenged that there and then and they refunded me that amount no questions asked. That gave me the push however to look at my statements and review my charges which amounted to a staggering £2313. I followed the instuctions on the website sent my 14 day letter, got a response almost immediately saying the complaint would be looked into. Today (the deadline) I Got a response from First Direct offering me £1953 in full and final settlement of my claim. I have decided to accept. THANK YOU SO MUCH FOR THIS BRILLIANT WEBSITE. I didn't think it would be this easy and was ready to bttle in the Courts. Thank You, Thank You! My donation to this worthy website is on it's way

Added: 1 Jan 1970

Paul
Checked our statements from 2 Halifax accounts, £324 on one and £764 in charges on the other. Fair play to them, they sent the statements free of charge, we sent the 14 day letter and a week later an offer of £209 and £732 respectively. Job done! Still waiting for the cheques after 2 weeks but would recommend going for it, what have you got to lose!

Added: 1 Jan 1970

Tinker
We had a few problems last year, went over our account limit and asked Virgin to give us a bit of slack for 6 months while we got straight, they refused then proceeded to charge us £1500 over the next 12 months, making a bad situation much much worse. Sent them the 14 day letter, they stalled for 3 weeks saying it was being 'dealt with by head office' in Edinburgh, gave us a number which was an answer phone. ignore this, ring Norwich and ask for the concerns team....Kept pestering them every day, making a nuisance of myself. Just had a letter, they have refunded the full amount. Persevere...its your money, no-one should be forced to pay these charges especially when you are on your knees and need help, not another £100 per month in charges which just make you even more in debt. Good luck folks.

Added: 1 Jan 1970

Ian McIver
Nice one, £880 paid back in full for last 2 years from Barclays (been self employed since then and starting out is a struggle so yo-yo bank balance), offered £675 at first but returned the letter highlighting fact I would claim for 6 years if it went to court and money paid in bank to day (and cleared the overdraft they had created). My bank charges have now dropped from £30 to £6.50 as well which is more reasonable)
HIghly Recommended following advice on this site !!
Persevere politely.

Added: 1 Jan 1970

Ice Ice Baby
I had a student overdraft with Natwest and they were demanding ridiculous amounts in monthly repayments which I couldn't afford. I came across this website and found out that I could put the account in dispute and halt payments untill I had recieved my money. I did this and Natwest promptly offered me £260 which I declined as they owed me £1,142.28. They then offered £460 the £780 which I again refused. They finally agreed to pay me the full amount (without even filing in court). It's all going to my student overdraft but it's still brilliant news as I now don't have the stress of repaying it.
I have also successfully claimed £280 from Barclaycard and managed to get my partner's PPI cancelled.
If anyone's reading this and is still worried about taking on the banks I'd say don't worry. You've come to the right place. Everyone is very kind and helpful. I have also learnt a lot about consumer rights in the process. I now know how to deal with debtor harassment and it's such a nice feeling to know that I am in control.
Ice. xxx

Added: 1 Jan 1970

ducatiman
ducatiman] 12:18 pm:bank offered me about 50% of total calim ive just come off the phone with halifax they folded and gave me full refund of £740
asked for the 8% interest they declined so i agreed the amount would do yipee holiday spends taken
care of for the price of a coulple of stamps !!!!!!

Added: 1 Jan 1970

Amanda Jones
Just go for it!!! After reading this website, I thought I have nothing to loose and didn't think in my wildest dreams that I would get any money from my bank. Have just received a letter from my bank saying as a gesture of goodwill they are offering me the amount of £467.00. I honestly can't believe how simple it was. If I can do it, anyone can do it.

Added: 1 Jan 1970

John Miles
I have banked with Natwest since June/July 2006.
I was told about your site by a colleague at work, so I thought "In for a penny" and I sent them the initial 40 day letter on 15th January 2007.
I recieved all requested statements within about 3 weeks.
When I checked them through, they owed me £1553.53.
I sent them the 14 day letter with a breakdown of all the charges that had been incurred.
The 14 days were up on Monday last, 26th Feb, I then sent them a reminder, claiming the usual interest, and giving them a further 7 days to pay up.
Letters must have crosse in the post, as today I recieved the usual letter about their charges being fair and legal, but they offered a "good will" gesture of a full and final settlement of £1553.53. The amount that I asked for initially. Success!!, I think so, don't you.

Many, many thanks to all the team on this site, you are all fabulous. Keep up the good work.
Regards,

John

Added: 1 Jan 1970

Nicky321
I first started reading up on unlawful bank charges back in March 2006. It took me till 4th September 2006 before I managed to pull myself together and fight for what was mine! I sent the DPA off in September and asked for my charges back on 21st September. On 11th October I received the bank final response saying their charging system was fair and they could not agree to refund my charges of £935.00. The amunition had been fired and I was about to commence battle. On 10th October my Court claim was issued, and 12th October the defendant acknowleged which them gave them 28 days to file a defence.... They did and stated they intended to defend all of the claim. The case was transfered to my local court 13th November. I received my Allocation Questionairre to fill in and return by 2nd December, and received a copy of the defendants. I heard nothing and on ringing the court couldn't really find anything out. On 24th February 2007 I received a letter from court, saying a Directions Hearing had been set for 5th March, not giving me much time to get organized. This is where I started to ring and fax the defendants solicitors.... to no avail. Then after my phonecall on 27th February, the defendants solicitor where unaware of the pending date so I said I will see you in court. 28th February the full amount of my claim + court costs + interest was paid into my bank accounts.

I probably wouldnt have had the courage or knowledge to do this on my own and again would like to thank all the people here at penaltycharges, who helped me come out a winner.

FIGHT BACK AND GET BACK WHAT IS YOURS!

Added: 1 Jan 1970

Sophie
I opened a Natwest Account in January 2001 whilst I was a student. Just by not having enough money in my account by £10 or £20 at the end of each month and bouncing a few cheques here and there I knew I was paying bank charges. I never thought anything of it.
Then things started getting tight money-wise about 12 months ago. Sometimes the only way I could afford to buy food at the end of the month was to pay by cheque and cheque guarantee card knowing full well the cheque would take me over-drawn.
After reading a report on the BBC Website recommending this site I ordered my last 6 years statements (cos I never opened mine; threw them in the bin, too scared, etc!).
It cost me £5 regardless of how many I wanted so ordered the whole lot. Spent 2 hours one evening going through my statements and saw that over 6 years I'd paid £1,844 in charges. I followed this site's instructions on filling in the spreadsheet of charges and wrote off to my bank on 13th February 2007, Natwest. The 14 days were ALMOST up so I started to fill in the claim form online through moneyclaimonline.co.uk preparing myself to go to court with this. Then 24 hours before the end of the 14 days I got a letter from my bank. The first page went on and on about how they don't agree with me, their charges are fair, transparent, clearly not unethical, BUT on the second page they said as a good-will gesture they were prepared to pay me £1,672 into my account. This is 90% of what I was asking for so I snatched their hand off and accepted. I only accepted because I didn't have the £120 court fee required to claim the £2,200 (with 8% interest included) but it's £1,600 i didn't have yesterday and it will certainly make 2007 much easier.
I was terrified, fully expected the bank to challenge my claim or even close my account, but they gave in. DO it, highly recommended!

Added: 1 Jan 1970

Marianne
8 weeks ago I wrote to RBS asking them to send copies of my statements. A few problems with this but received them 5 weeks later. Added up all charges and sent them a letter along with a list of the charges requesting they refund them. I did not mention taking them to court but asked them to reply within 14 days. That was 8 days ago and today I received a letter offering me the full amount of £4,200 on the understanding that I would not question any further charges incurred in the future. I see this as a great result without any hastles. I'd advise everyone to claim back their charges!

Added: 1 Jan 1970

LUCY
WHEN I HAD MY BABY AND GAVE UP WORK THE BANK DOWNGRADED MY ACCOUNT AS LESS FUNDS WERE BEING DEBITED I DISCOVERED THE DOWNGRADED ACC CHARGED A WHOPPING £39 PER CHARGE AFTER RECENT FINANCIAL DIFFICULTIES AND STORIES IN THE PRESS PROMPTED ME TO REQUEST LAST 6 YEARS OF STATEMENTS I WAS HORRIFIED TO FIND THEYD TAKEN £2076. I SENT OFF FIRST LETTER THAT I COPIED FROM THIS SITE AND REQUESTED THE MONEY BE RETURNED WITHIN 7 DAYS.I RECIEVED A REPLY ON THE 7th DAY SAYING THEY WOULD LOOK INTO MY COMPLAINT AND RESPOND WITHIN 4 WEEKS OR SO. I DECIDED THIS WAS NOT GOOD ENOUGH SO IMMEDIATELY FIRED OFF LETTER NUMBER TWO GIVING THE HALIFAX 7 WORKING DAYS TO REFUND MY MONEY OR ID BE TAKING THEM TO COURT WITH NO FURTHER WARNING.AMAZINGLY THIS MORNING A LETTER ARRIVED OFFERING ME £1246 AS FULL SETTLEMENT. I TELEPHONED THEM AND SPOKE TO THE LADY DEALING WITH MY CASE AND THANKED HER KINDLY FOR HER OFFER AND THEN TURNED IT DOWN. AFTER PUTTING ME ON HOLD FOR A WHILE SHE RETURNED AND SAID SHE WAS AUTHORISED TO OFFER ME THE FULL AMOUNT ID REQUESTED.I THANKED HER POLITELY WHILE PUNCHING THE AIR IN DELIGHT AND SHE TOLD ME TO CROSS OUT THE ORIGINAL OFFER AND PUT IN THE NEW ONE [£800 DIFFERENCE]AND SEND IT OFF TO THEM .SHE SAID THE MONEY WOULD BE IN MY ACCOUNT WITHIN 14 DAYS. I CAN HARDLY BELIEVE ITS TAKEN JUST TWO LETTERS AND ONE SHORT CALL AND 3 AND A HALF WEEKS TO BE OVER 2 GRAND BETTER OFF FOR ANYBODY OUT THERE ANXIOUS WITH PROCEEDING I SAY GO FOR IT I WAS FULLY PREPARED TO TAKE THE HALIFAX ON IN COURT ALTHOUGH IM SURE ID BE TERRIFIED HAD IT GONE THAT FAR BUT ITS PROVED TO BE EASY PEASY FOR ME ALTHOUGH I KNOW NOT EVERYONES HAD IT THIS EASY SO GOOD LUCK TO ALL OF YOU AND THANKS TO THIS SITE I CAN NOW PAY OFF MY OVERDRAFT AND HAVE MORE RESTFULL SLEEP AT NIGHT . MANY THANKS

Added: 1 Jan 1970

S. Perris
Many thanks for all your great advice on how to reclain charges. I followed your advice to the tee and step by step and got all my charges paid back to me. I had to wait till 3 days before the court date and my nerves were getting a bit stretched but held firm and was rewarded. I am now doing the same thing to Halifax but without your site i wouldn't have been able to. So everyone out there just go for it!! I think it is going to become quicker for everyone as they know they are fighting a losing battle and by delaying they are wasting everyones time. Good Luck.

Added: 1 Jan 1970

Andrew Ashcroft
I Fianly Won! WOOOOOOOOO

i took them for £830 and on my 1st offer letter they offerd me an isulting £212.
i sent them out an onther letter saying i was going to take them to court. they ignored me.
so i took them court and the 14 days passed and I WON! alright on default! but i won!!

the bank was still ignoring me after jugment was passed! i spoke to them today (2.3.07) and lyed my card on the table and explain if i was not paid i would be sending in the baliffes!

low and behold the full total of the money £909 (include Court Fees) was in my account just a few hours and i few stupid phone call later!

please note if your ringing barclays customer service they are thick B@$***ds i even got put though so many diffrent dpeartmentand that were no help i even got put though to the claims department who though i owed them money! the Planks! but LOL i have my money!

lol now it take to that on the swines at Haliax and Barclays card!

THIS SHOULD BE FUN!

Added: 1 Jan 1970

Steve
Well they took their time but we received our cheque yesterday for £3370.50,full settlement.After receiving our 6 months of statements we sent off the 1st template from Penaltycharge.com. Got a letter back basically telling us to go away and not to be so silly,that only applies to credit cards and we're certainly not about to give you your money back.Wrote back and told them that we will give them 7 days to pay up or take legal action.Received condesending letter telling us that they had had a good look at our claim and still wern't prepared to pay up but if we contact them they will help us to manage our money(bloody cheek).Wrote back telling them that they leave us no option but to claim via county court.Received letter telling us fine,ok go ahead and try.Filed claim in county court and received letter from A&L with copy of court paperwork showing the "I intend to defend all of this claim" box ticked.Sent letter back syaing,"fine,we look foreward to facing you in court".Three days later and they've paid in full.The moral of this story,"DON'T GIVE UP".Many thanks to Penaltycharge.com for all their advice.

Added: 1 Jan 1970

JT
Submitted my claim on 21/02/07 for £1128...I had a letter back on the 3/3/07 with a settlement figure of £818 which i have accepted - Great work guys keep it up. These charge are from mu university days - I have notified all of my old uni friends and sent a message to the uni - lets hope we all get what we deserve.

Added: 1 Jan 1970

N Kaur
Hi

I claimed £905.00 from Halifax and they have offered to refund me £843.00 which I have been happy to accept, this is also within 14 days of the first letter sent. However Abbey have been dragging their feet and out of £1791.00 worth of charges have credited my account with only £195.00! I have written to them informing them that if I don't hear from them in 7 days I shall file a claim. Awaiting a decision.

Added: 1 Jan 1970

ash7
Ash 1 Natwest 0
Hey guys, i've just recieved a settlement letter today for the full amount of £917.37, admittedly it was 3 weeks past the deadline date of the 14 day letter, but im still stoked. BIG BIG THANKYOU to this site its been a godsend,i strongly recomend it to anyone, however small your claim may be. Dont let the B*****ds grind you down.

Added: 1 Jan 1970

Ray
Claimed £1760,Full settlement after sending 14 day letter.

Added: 1 Jan 1970

Nicola
Today received confirmation of £6718 to be paid in penalty charges

Added: 1 Jan 1970

Leslie Topping
At the begining of January I got told about this site so decided to have a look on. After reading about claiming back charges i decided to ring my bank and get my statements for the past 4 years. I recieved my statements on the 21/01/2007 and calculated they had taken £1,481.00. I downloaded the template letter and took it in on the 23/01/2007. i recieved a letter a few days later saying they had recieved the letter and would deal with it as quickly as possible. I then rang the bank the day before the two weeks were up and they just said they were in no position to discuss the matter. I then downloaded the court forms and took further action.On the 24/02/2007 recieved letter off court saying halifax would defend themselves, a week later i recieved a letter off halifax offering me £1,131.00 as a gesture good will.I decided to decline their offer and rang the bank on 05/03/2007 to let them know. While on the phone they agreed to pay me £1,400.00 which i accepted. Thanks to your site i got my money back and beat the bank. All i can say to people doing this is don't give up as in the end it is worth it, and thankyou to this excellent site as i would never have attempted this without the information i got off this site.

Added: 1 Jan 1970

heather child
After seeing all the news on TV and looking at your website, we decided to claim the last 6 years charges back from our bank. We contacted the bank manager direct and also wrote to head office, but we received a letter saying that their charges were explained in the Terms and conditions and that they did not feel any obligation to refund us any of the claim (£358). I then took your advice and sent my claim to the small claims court (£50 cost). Shortly after this I received a letter from the court saying that Lloyds were going to defend the case and had their solicitors on the case. I had 28days to decide if I was going to carry on. I must admit that I felt abit reluctant to carry on, but my husband and I felt that we were justified and your advice was to stick at it. Anyway, we are glad that we did because they have not of course admitted liability, but they have refunded me the full amount plus the court charge straight into my account and I have had a letter from their solicitors to ask me to cancel my court claim. So thank you for your advice and help with templates etc.

Added: 1 Jan 1970

Karl
Claimed £1016 back in penalty charges. However i had to go as far as issuing a claim at moneyclaim, then 13days after i issued the claim they acknowledged it, giving them a further 14days to respond. during this time they stated they were going to offer adefence, another stalling tactic. Then today, 7 days before the 28days were up they offered my £590. i found this insulting as they have just announced a £5.54bn profit, so i called them and told them so. The lady IMMEDIATELY renegotiated and offered me £850, and that my charges didnt even come to this amount, lookily for me i had a copy of my charges at hand and told her the dates and total of charges from Jan 2001 to Dec 2006, so i told her no, and that i had nothing to lose by going to court. She was then very quick to offer me my £1016.00 and im now awaiting this being deposited in my account.

Added: 1 Jan 1970

Pete
I decided to have a look at my statements after a friend told me about this site - and discovered £1100.00 over the last 5 years. Blimey. So i downloaded the template letter, sent it recorded and it arrived with my branch on 21/2/07.
On 5/3/07 the bank's complaints department called and offered £985.00, as a goodwill gesture. I,m going to accept this, so many thanks to you all here at the site. If you are thinking of claiming, dont wait! Go for it!!
Pete

Added: 1 Jan 1970

Ljjames
14 day letter sent 02.01.07 for £3570 (Estimated Charges)

Letter Recieved from Abbey saying they would look into my complaint and took take upto 4 weeks!

Filed on MCOL on the 15th day

Recieved £695 as "gesture of good will" to my original letter

Abbey Acknowledged giving them full 28 days to which they eventually submitted a defence but offered to pay half my claim!

After discussions with Abbey we agreed a settlement of £2820

Money cleared my bank 7.03.07

Taken a total of 9 weeks from start to finish.

Now for the Abbey Credit Card.

Added: 1 Jan 1970

kim strong
After successfully using this site to go up against Nat West and winning (2000.00) I started proceedings against First Direct. They have dragged it to the wire, not responded to the allocation questionnaire etc etc. I was just in the proceess of issuing Judgement and low and behold their solicitors wrote to me today offering me 3,690.35 (they deducted a couple of items - but guess they feel vindicated by deducting 165.00 !!) so this is success number 2. I have three others just starting and would you believe just come back from holiday and Nat West have charged me 400 pounds as money was delayed in being credited so for the second time in two months i am writing to them again!!!!!!!!!!
will keep you informed

Added: 1 Jan 1970

UUoret
I submitted the DPA before going off on holiday in Dec 2006, thinking that there was no chance - but what the hell...

In the meantime, I kept abreast of all happenings on this site.

I DID lurk, in that I didn't contribute to the site, but I submitted the claim via my local County Court at a cost of £120 plus £35 for their defence to be "Struck Out".

Being given a hearing date of 23 March, I telephoned SCM on 19 March and was given a very warm response, which culminated in a full settlement of £4000 within 2 hours. DO IT!!

£100 en route as a donation.

Brgrds, Uuoret

Added: 1 Jan 1970

Jo
Hello and thank you for inspiring me...
I have recently won my case against First Direct for over £3,000.00. The were very civilised. Everything was done correctly although they went to the last day on every letter. The tried to offer me about a thousand less than I had asked for initially but I held out - threatened court and got everything together but I received the offer for the full amount and I signed. Money was put back into my account within about a week.
I am very very happy!!!!!!!!!!
My husband is having more of a battle with Abbey as they are dragging their feet and trying different ploys to avoid payment. Fingers crossed for him! Ireally think it depends on your band and how "grown up" they are about this.

Added: 1 Jan 1970

Frances
Using the template from this site we have successfully claimed £1700 in charges from First Direct. I would advise everyone to give it a try. Many thanks

Added: 1 Jan 1970

shu
Had a claim of £2027 from hsbc for charges for the last 4 years after a letter saying they were to investigate the agreed to pay up over £1900 out of court, but still insisted in their letter that due to the charges being in their terms and conditions that they would "resist any legal challenges" if it had gone to court. Rubbish who gives away nearly 2 grand without a fight if they tought they wouldnt have to!

Added: 1 Jan 1970

Donna Page
I originally calculated my charges to amount to 2,000 and sent off my claim to First Direct following your guide. Within 2 weeks they came back to me only offering to refund 1,100 stating they could not find 450 of charges and that I had included 350 prior to the six years. I re-calculated my charges and sent copies of my bank statements highlighting the charges, this amounted to 1,547. They have since offered to refund me the full amount. Victory!

Added: 1 Jan 1970

Richardvc
Followed the guidelines on this site to the letter and filed my claim in person.

Received full claim including expenses for £2386.74.

Needless to say they are closing my account but who cares, they were pretty useless anyway.

Added: 1 Jan 1970

Lucy
Claimed: £1,816 (£1,550 current account and £266 step account)
Refunded: £1,816!!

Wrote to Natwest 4 weeks ago to request statements, these arrived within the 14 days i stated. I highlighted the charges and sent back a letter straight away requesting the refund of these. 14 day period ended on Saturday 10th, so i called Customer Relations dept and they let me know that 2 offer letters were in the post and they also let me know how much the offers were for! I will of course be accepting these! I think the trick is... request a full refund of your charges but add interest on, this way they give you the full refund without the interest but think they're getting the better deal!!

Added: 1 Jan 1970

Rajesh Sidhu
I read a feature on the BBC news website a few months ago about claiming back charges and never really gave it much thought, simply assuming that the chances of recovering any fees would be minimal and of course detrimental to the relationship I had with my bank. As with many other ways of fighting the system (so as to speak!) I gave it little thought until a friend of mine told me that he had successfully managed to claim back a significant amount of money from his bank. It's always more reassuring when someone close to you succeeds in getting a payout and I decided to pursue it - especially after checking this website and reading comments like the one I'm posting here. From the moment I ordered my statements to coming home today and seeing the letter with the happy news (about 6 weeks) I can say with my hand on my heart that it was the right move to make. I have been given £2110 from Barclays as a 'gesture of goodwill'. It's one gesture I'll take advantage of for sure! My thanks to this website and all others like it - it can be done! I'll be making a donation for sure!

Added: 1 Jan 1970

CHERYL
Like many others, i asked for £3751 and have just been offered the whole lot back, no interest, however I am accepting the offer before they change their minds!!! anyone thinking of trying this should go for it, dont ask you dont get!!

Added: 1 Jan 1970

nadine
hi, i sent my first letter to the halifax on 1st feb 2007 requesting that they pay back my bank charges, and i also ordered bank statements going back 6 years, and i was told the statements would b with my within 21 days. however i still hadnt received them and on Friday 9th march i foned to see wot was keeping them and was told that the bank had had offered me £1206, and that the offer letter would b with me the next day. true enough the offer letter came and as well as that, i received all my statements, so i was able 2 work out how many charges i had. i totalled £2050 in charges, so i Phoned the bank yesterday Monday 12 march and told them i would not accept that, and they offered me £1400, which i accepted. i know there is £650 of a difference, but at the end of the day, they are entitled to charge some for our wrongdoings, and i am looking at it in a way that it is £1400 that i didnt know i could get, so im thrilled!!!

Added: 1 Jan 1970

Gayle Diack
I wrote two letters to Halifax, the first stating that i did not agree with the amount that they had charged over the years and the second i sent was the template from this site requesting bank statements for the past 6 years. Halifax replied within a week with an offer of £587.00, and listed all charges made. The amount was more than i'd hoped for so i accepted straightaway. Not bad for such a small amount of effort!!

Added: 1 Jan 1970

Joseph Mushrow
Having ready about the site on the BBC news website I decided to give it a go.

I got on my internet banking and used the online tool to search for every single charge on my account, I listed these and sent the letter provided, along with my compliation of charges.

These amounted to £725.00

The bank (Lloyds TSB) initially wrote back and refused payment, they defended their charges.

I then sent another letter, as well as a photocopy of my small claims form - Which I hadn't even handed in yet but sent as a scare tactic.

Within 7 days the bank wrote back, informing me that to avoid charges on their behalf they were prepared to refund the entire £725 in illegal charges.

The amount is due to be credited to my account within the next few days.

Thanks guys.

Added: 1 Jan 1970

Marc Bendon
The charges situation was bought to my attention by the money programme on BBC. I then found this site and was amazed how easy it seemed but always a bit cautious until i had tried it for myself. I contacted my bank and within a week had the last 6 years statements. During one evening i highlighted £2250 in charges and sent off my letter and statements. 2 weeks later i received an offer for £1000 and despite being tempted (and hard up) i contacted the bank by phone and the offer was instantly increased by 50% to £1500. I accepted this offer and it was paid into my account the same day. Thank you so much for your help and support. I am now going to sort out my friends and family.

Added: 1 Jan 1970

velma dlamini
after reading about this site in the paper i decided to give it a try though initially wary. followed given instructions and luckily had all statememts for last 6 years. after 14 days bank wrote and agreed to re pay £3000.00 of charges. must say i am really chuffed. thank you

Added: 1 Jan 1970

simi
I thought this would take ages but I sent my 14 day letter to the bank on the 26/2/07 had a letter back on the 1/3/07 saying they had 8 weeks to reply. I was preparing to go to court when I receive a letter today (14/3/07) saying they will pay in the full amount of £1405.00 within 14 days. It was so easy thanks to this site I would recommend anyone to do it.

Added: 1 Jan 1970

Emma
Hello

Just thought I would let you know of my success. I recently downloaded your letter to send to my bank requesting a list of charges from 2001. Not only did the bank send the £10 postal order back, but a couple of weeks later sent the charges with an offer to settle. I have accepted the offer and am just waiting for the money to be credited. Thanks for your help!

Added: 1 Jan 1970

Grateful in London
Thanks to this site I've successfully reclaimed over £4,000 from the Co-op bank. It will hit my account tomorrow. I shall definately be making a donation to thank you for the free advice and I've given your website details to all who will listen. As a full time working single mother, I can't tell you how useful that money will be!

Added: 1 Jan 1970

James in Derby
RBS ripped our small business off for many months during a difficult patch to the tune of £2,000 worth of charges. We argued and shouted but it made no difference. Thanks to your site, we today got back more than £1,300 of this money. Thank you for all your help and this brilliant campaign, the banks have had it coming for a long time!

Added: 1 Jan 1970

steve
I found this site through a news story on BBC. I downloaded three years of statements through internet banking and found charges adding up to £735. I had to write 2 letters to Lloyds TSB (I got what sounds like their standard we think our charges are only fair blah blah letter) and went as far as putting a claim in online, before they refunded the whole amount. Thanks alot for your help and I'd advise anyone else to do the same and not accept the bank's first response. Bye for now, I'm off to the shops.

Added: 1 Jan 1970

Neil House
Calculated charges, downloaded template letter and sent to bank using recorded delivery costing £1. Today received letter from them stating £155 will be credited to my account when I return the signed letter. I cannot believe how easy all this has been and it's the best £1 I have spent in a long, long time! Excellent site and advice well done and a very big thank you. I will now inform my family and friends.

Added: 1 Jan 1970

Michelle
Up to the court claim the story is the same as everyone elses - complete with the usual fob off letters, etc. After the 14 days were up I filed with the courts.

My claim was issued on 5th March 2007 for a total of £911.81 comprising: £454.70 charges, £370.18 interest and £80 court fee. The interest was high because the account was used and closed over three years ago.

A&L acknowledged the claim on 7th March.

A&L defended the claim in full on 8th March, getting 28 days to respond.

A&L sent a cheque for the full amount without further prompting on 14th March. Claim closed.

Added: 1 Jan 1970

Dr Michael Murray
I wrote to Coperative Bank asking for £735 for the last five years. After 10 days i have recieved a cheque for £675 - 90% of my claim-which I have accepted. Cost ? _£10 DPA fee and two recorded delivery letters. One down - many to go. Thank you for your help. Donation made today

Added: 1 Jan 1970

b thomo
heard about everyone reclaiming bank charges back so decided to ring my bank up reqs 6 years statements they did not charge me for these the statements took about 4 weeks to arrive sent letter off to natwest reclaiming £1368.00 with copys of the statments had an offer in the post on 9th march for full amount of course Ive now accepted this and looking forward to a holiday in the sun off the back of it. My advice to everyone is just go for it as all the banks seem to be paying up my husband has now put a claim in with nat west for his also

Added: 1 Jan 1970

alec
quick story . i took the tsb to court on 8TH dec 2006 for £1,500, but bottled it on the day so i assumed i lost . heard nothing from the bank . but out of the blue with no warning they paid the full amount into my account on 12Th march 2007 . when i ashed why . no one could really tell me why . so thanks to all and i will make a donation to this site . thanks for all your help . but would love to know why they did it

Added: 1 Jan 1970

Tamer Elsherif
I sent my letter to my RBS branch on the 26th February, 2007 by recorded mail, and i got a letter from dated the 13th March, 2007 offering to pay me back every penny i asked for even though i uppe the figure by £200 cause i was missing some statements but i thought surely they will work it out and tell me if my calcualtions were wrong. But, to my surprise i got every penny £843.00 which should be in my account this week. So, i am telling you all don't waste any minute waiting. DO IT NOW.

Added: 1 Jan 1970

darren
i submitted my claim to first direct on the 24th of feb, i recieved a reply on the 14th (without prejudice) asking me to sign and return and the said amount will be credited bac to my account!!

Added: 1 Jan 1970

Huy
Hi all.
I would recomment that people reclaim their charge. as on 22.03.2007 i have call lloydstsb about what I have seen on tv and on this site. and i believe my £30.00 overdraft charge was unfair. they agree right away. and refund me £30.00. hopefully i get my £30.00 back in the next 3 days. this is what they had promise me. Thanks

Added: 1 Jan 1970

Daniel
I followed the instructions outlined on the site sent the letters off around a month later got a "good will gesture" offer from the bank offering me £1,941.65 which is around £100 more than what they owed me.

Added: 1 Jan 1970

vivi sinnott
Yippee!!!!
Asked Halifax for refund of six years charges, totaling a whopping £2,684.00.(cost me £5 to get all six years statements). After one week they offered me half, I refused and filed a court claim following your guide to the letter.(very easy to do online, cost £120) Two days later I had a letter from Halifax offering whole amount but no interest etc.
I posted a 'help me' note on your forum, ignored the letter and waited.
Halifax acknowledged on day 13, then sent a letter saying they would defend. One week later the full amount, plus interest and court fee, has appeared in my bank! Woopee, just in time for hubby and me to take our 3 children on a much needed holiday!(didn't get one last year due to debts).
I have just sent an email to the court to stop the action.
Thank you so very very much, I will be making a donation soon!
My advice to anyone is hang on in there! Don't be put off by the banks tactics! It was their fees that put us into debt in the first place! Onto the credit cards now!
Happy Holidays!


Added: 1 Jan 1970

ASHBY
Hello,

If your thinking about claiming then dont think do it - its easy to much easier than you could imagine, here is how i did it:

1) sent off letter along with £10 for 6 yrs of statements - received within two weeks.

2) Received the statements looked through isolated the charges (loads marked only as "charges" i included these as well) and compiled a list of charges on your easy to use templated spreadsheet and posted to bank registered post.

3) Then i remembered that i needed to open another bank account did this so even if the bank closes my account i can still live ok.

4) I waited the 14 days and an extra 4 days for good measure, i was just about to file at court when i received a letter stating they didnt agree with me that they are penalty charges but as a guesture of goodwill they will refund the total amount - like they would do that if they were right the toads!.

Basic bottom line is they have your cash, the way they see it is they are a business out to make money and they will continue to do this unless we all stand together and stick the knife back at them, god knows they do it to all of us enough.

Please do it, it really is easy - send me a private message if i can be of any help to you but the moderaters on the forum page are really helpful and know their stuff. I have found this site very helpfull and is all you need - the rest as they say is up to you!


Added: 1 Jan 1970

Angela Phillips
I called my bank and they advised they would open a complaint and would come back to me within 20 working days with a list of my bank charges, they didn't even charge me for this which I thought was good. Yesterday out of the blue I received an offer for a large amount which I never dreamed would happen. It is so surprising how much these charges amount to when you are not watching them. I had no fuss and no bother and have accepted the offer. I can now book a lovely holiday for me and my family. Thanks for alerting everyone to this as this has really helped me at a difficult time.

Added: 1 Jan 1970

Gake
Here's the schedule of events of my claim:

Sent DPA 13/01/07

Received statements 24/01/07

LBA sent 24/01/07

Claim submitted online 10/02/07, deemed served 14/02/07

Abbey acknowledged claim 16/02/07

Abbey submitted defence 08/03/07

Defence from Abbey received 09/03/07 together with offer for 50% of claim

Rejection of offer sent 12/03/07

After talking to Sim (cheers, mate!), my application for 'Request to strike out the defence' submitted 13/03/07

Hearing date concerning 'Request to strike out the defence' confirmed by court on 15/03/07 as 03/04/07

Telephoned Inga on 21/03/07 asking if Abbey wanted to settle

Inga telephoned on 22/03/07 and we agreed full settlement figure of £2479.17!


I would certainly recommend issuing the 'Request to strike out the defence' as soon as the defence is received. if the Judge orders a quick hearing, it forces Abbey into making a quick settlement, although there is definitely no guarantee that this will work.

Added: 1 Jan 1970

icklemumma
Basically after all the media hype on watchdog, i began the long road of recovering all these charges. With one of my accounts with halifax the total came to £9000! I was shocked. With thanks to this site (by chance i found it) i was helped with the step by step process to reclaim those charges. And i was recredited. I just want to say DO NOT TAKE ANY NOTICE OF THE BANKS REPLYS, THEY TRY TO FOB YOU OFF LEFT RIGHT AND CENTRE. JUST HAVE THE WILL POWER AND THIS SUCCESS STORY TO KEEP GOING. IT IS SCARY, BUT HALIFAX ARE THE EASIEST TO RECLAIM CHARGES FROM. I NOW HAVE MORE TASTIER FISH TO FRY. GOOD LUCK TO ALL.

Added: 1 Jan 1970

jonno w
I followed the simple instructions and received a no-quibble refund within two weeks.
Good work pc.co.uk!
It is time to make it clear that these self apointed leviathans of 'financial proberty' are in fact extorting monies from the most vulnerable and the apathetic.
The money recovered will go to my partner's mortgage. The money is imporant, as it was mine after all, but to think that the bank was dreading my letter for a change, made me cock a hoop!
My advice - do this for yourself and go and explore your local credit union.

Added: 1 Jan 1970

Alan
Same as everyone else i heard of reclaiming bank charges from the bbc and itv tonight show. I then searched the net and found this site i used the 14 day template letter. Sent it of got a response back after a couple of days saying they would look into the complaint heard nothing for for the rest of the 14 days so i gave them a telephone call when they told me the FSA allows them to take 8 weeks to investigate the matter. I gave them 2 more weeks i got a letter 21/3/07 saying i had to wait for a response until April i gave them a call straight away explained the delay was un-acceptable. Today 23/3/07 i received a letter offering me 93% of the original ammount i asked for. Although all the suggestions say do everything by letter i found that the 2 phone calls got me the result.
So my advice go for it and be patient not all claims are dealt with as quickly as others and alot of people are claiming which means waiting lists.
Thanks to the site for all the advice and templates could not have done it with out you.
Alan

Added: 1 Jan 1970

Rob
Sent off the standard letters to First Direct last Friday and received a reply less than a week later offering full refund, in fact, they corrected my claims... UP!!! Same letter and conditions as with others re. First Direct, very pleased and just confirms how good their customer service is!

Added: 1 Jan 1970

Elliott
Hi, this is the timeline for my claim.
14/02/07:- Wrote first letter to my branch of LloydsTSB.
20/02/07 :- Received standard apology letter, but no offer of refund.
21/02/07 :- Filed my claim on www.moneyclaim.gov.uk
03/02/07 :- LloydsTSB acknowledged the claim.
21/03/07 :- As if by magic £510 appeared in my account!

It really was that EASY!

GO FOR IT!:-)

Added: 1 Jan 1970

martin
I found this site via Google after people at work were discussing how they'd seen on TV about a story about people claiming their bank charges back. After signing up to the forum and reading the stories I figured I had nothing to lose so using the templates wrote in January 2007 to ask for copies of my statments, thinking that maybe I had around £200 I might be able to claim back. After receiving the statements and totting up the charges they came to £1400! Using the template letter I wrote to RBS asking for this back and heard nothing, so sent a second letter warning of court action (also using a template from here). It was then I found that I could also claim interest so sent a third letter advising that if they didn't credit my account with £1404.29 in ten days I would be taking them to court for this amount plus interest, bringing the amount to over £2800! Two days after the deadline I got an offer of settlement for the £1404 which I happily accepted. There were no conditions attached other than accepting what their charges were for any future 'discretions', I even got to keep my overdraft. A huge thankyou to everyone that's posted in the forum, and provided inspiration. I hope this tale makes others do the same.

Added: 1 Jan 1970

Marc Moghbel
Over the 5 years I was at university, the RBS charged me a total of 866 pounds for various "infractions". After having read some of the stories on the BBC webpage and penaltycharges.co.uk I thought I would give it a go... Within 15 days I got every penny back! Awesome. Good luck

Added: 1 Jan 1970

SHELL
Hi i read about these charges in newspaper same day went on this site, i didnt send a letter instead i rang my bank the same day they logged this as a complaint, recieved a letter 2 days later stating that this will be resolved by 26 March,received another letter 24.March offering me £1786.95,could not believe it, i have accepted this offer & eagerly awaiting the funds to go into my account.
thanks to this site for all information regarding getting the charges back, Shell

Added: 1 Jan 1970

minxybelle
i recently used your site to reclaim unjust bank charges. I even went so far as filling out the court papers. shortly after my bank contacted me by letter and included a cheque for the full amount i claimed £1,029. Success!

Added: 1 Jan 1970

Alex Dare
Following the BBC program I helped my wife to get back 525 pounds of the 600 pounds charges on her account.

Well done Stephen, you are a real hero of the people. Thank you.

Added: 1 Jan 1970

Fiona
Saw your site on tv and decided to try and reclaim our charges too.
Victory is very sweet!!!
Claimed for £3868.50 and got a cheque today but they still dont regard this as an admission of liability, thats a joke!!
We now await contact to discuss the future operation of our account, the one that they supposidly shut down 2-3 weeks ago for being over the overdraft, and how did that happen??? Oh well now we can go and reclaim these charges as well.
Thank you for all your help and support it has been very much apprecited.

Added: 1 Jan 1970

jason
I only sent of my statements to Natwest 1 days ago ,recieved a letter offering me the full amount of the claim £3589.00 lovley jubbly.
still got another natwest one to come through for £4300.00 .
And 2 from ge money totalling 7500.00.
Wow ,,message to all ,follow the guide and you shall get it all back.
Thanks Penalty charges xxx

Added: 1 Jan 1970

Julie
I used your site to claim money back from Barclays. After going through my statements I had been charged over £3000.00. When I sent my first letter they replied saying they would look into my complaint within 28 days but I had only given them 14 before I started court proceedings. The 14 days passed but before going to court I thought I would right them another letter. Then to my joy they sent a letter offering me £2,670.00 as a goodwill gesture which I accepted. This has been paid into my account today. Although it is less than what I asked for its enough to clear off some of my other debts.
The whole process has taken about 6 weeks but its worth it if you want to get your money back. Some advice to other people doing this is to just keep on at these people by letter only as its a waste of time phoning them. You will get your money back if you keep fighting them. If this was legal for banks to charge so much why are they giving so many people there money back. The evidence is on this wonderful site at the top showing how much money has been claimed back.

Thanks to penaltycharges.co.uk for this help.

Good luck to everyone doing this!

Added: 1 Jan 1970

The_Neighbours
The claim was on behalf of my son, the first of 3 that I've started. I intially wrote to the Halifax on his behalf at the beginning of January and yesterday (28th March) he was awarded the full amount claimed, including interest and court fees. I found the Halifax didn't respond to the different stages of the process, but there was no negotiating required at the end.

I am, however, finding it very different with regards to the Abbey, who my other two claims are with. They use amazing delaying tactics, details of which I will post, if and when I'm successful (fingers crossed).

Added: 1 Jan 1970

RuthU
Well as many others I saw the money programme in Dec and immediately went on to this site. I knew that I had a loads of charges from my closed HBOS account. followed the guide, statements duly arrived followed by a 'We're sorry you arent happy' letter. I discovered that my charges totted up to £2459! then I heard NOTHING from them again...I claimed in court (online)...they acknowledged...the 28 deadline passed with still no word - i began to file judgement, got half way through and then hey...one day late a letter from the Halifax with a cheque for the full amount plus interest and court fee...£3109!!!!!
Still cant quite believe it and I am indebted to all the mods and others for their invaluable advice. This is a great site and I would urge anyone who is thinking of reclaiming their charges to go for it. Dont be scared, it is after all YOUR money!!

Added: 1 Jan 1970

Danny
I heard of everyone saying do it, so I gathered up 6 years of charges, scared myself to see I had acccrued £3125.00 in charges, I sent the 2nd letter and chart of which I hadn't heard anything from the bank and the interest. asking for the sum of £3750.00.
8 days later I received a 2 page letter and on the 2nd page it then said "we will as a goodwill gesture put £3125.00 back into your account"
7 days later it went into my account.
THANKYOU FOR YOUR ADVICE. I AM TELLING EVERYONE OF YOUR WEBSITE

Added: 1 Jan 1970

Lisa
Started my claim in March 07. Sent out two letters claiming £628.00 back. Had 1 reply so now taking them to court for the sum of £878.00

Added: 1 Jan 1970

nathan burton
Hi there,found about you guys from my sister who gained back the charges once given to her by the thumb-screw of a bank she was with.i followed your advice on your wonderfull website to start the ball rolling...i sent the letter to tell the bank that i wish to claim my charges back and sent the letter recorded as told and waited two weeks and NOTHING !!!. so i went to the bank and they said they never received the letter nor signed for it , i then showed them the print off from royal mails website showing then the proof of receiving the letter and signing it.and they said "nope well still never received it and that doesnt prove they received it at that address".wot a bloody cheek....they have now received the letter by hand and said it could take 8 weeks to do "admin"....my advice is DONT GIVE UP and take their crap ..carry on i am ..

Added: 1 Jan 1970

Sophie
A friend told me about your website, I logged on first to the BBC News and followed the link here. I had nothing to loose and I knew I had a lot of charges. I couldn't beleive how easy it was. I got my statements back in a week and and sent the letter back in the next day by recorded delivery. A few weeks later I received a letter to say they would re-imburse £510.00 the whole of my claim! I was ecstatic!

However it is not always this easy my husband is currently taking Barclays to the small claims court. They have defended their claim and we are waiting for a date, hopefully they will not show up. He is claiming £715.00 they offered £300.00 but he rejected it. I will keep you all posted on that.

We are now helping all our friends to claim their money back. The biggest success story is a friend who worked out her charges to be £19,000.00! with Abbey National, they said they had miscalculated and the charges were actually £10,000.00 and offered £8,0000. They accepted this and have been drinking champagne ever since. My advise is just try it only takes an hour!

Added: 1 Jan 1970

Paul
Many thanks to all at penaltycharges.co.uk. I saw your site and decided to challenge my bank. Wrote to them on February 14th 2007 and received full payment of £946.50 on 30th March 2007. No hassle or negotiating from the bank although they stated that if they went to court, they would win. Many, many thanks to all at your site and continued success to all who claim

Added: 1 Jan 1970

Stuart Nunn
After intial contact with the bank and them ' not recieving ' any of the letters, i contiued and finally recieved the previous 6 yrs of statements and too my shock i had paid just over £4000 in charges ! eventually and without any real hassle they paid £3245 into my account ! thank you penalty charges. I am now pursueing the rest of the monies.

Added: 1 Jan 1970

Kate Jordan
If it wasn't for my work colleague I would not have done this!! Its easy to do and i got a full settlement within 6 weeks of asking for my bank statements. My charges only happended over the last 3 years but amounted to £1506.00. I sent off letter 1 requesting bank statements, got them back in 2 weeks. Then sent off letter 2 requesting ALL my money back, within 3 and a half weeks i got a full refund. I heard Natwest were the worst ones to pay up but i'm actually finding Lloyds bank the worst. I'm doing this for my boyfriend and he just got a letter back saying they aren't going to refund the money. So, off goes letter 3 - requesting a refund or go to court. All I can say is that my colleague got his money back (£1900.00 - Natwest) within 7 weeks and my other colleague is taking his bank HSBC to court. So many people think this wont work but now i've got my money back i'm back on track with my finances and am currently proceeding with my number 2 account!! What have you got to lose???

This website was such a great help so I say thankyou to you all.

Added: 1 Jan 1970

Rebecca
I sent my letter asking for £1398 on 27/02/07 giving the bank 14 days to reply when i didn't hear from them i looked into going to court and came across these success stories which all seemed to get no reply within 14 days but a bit longer, so i gave them another 2 weeks and on 23/03/07 i received a letter agreeing to pay back the full amount if i agreed not to claim in the future. I sent it back the same day and i am now awaiting the money to credit my account. Thank you very much this website made my claim really easy and i have now urged others to log on and do the same.

Added: 1 Jan 1970

Allan
Followed The Advice Given.. Got the Lot Back --0-- Over The (Fin Moon) Thanks so much . Ten min.s work you. (Got to do it) . Allan

Added: 1 Jan 1970

Andy Deal
Hi

I think I started much the same as everyone else did. I heard the hype about bank charges and realised that my wife and I would definitely have fallen foul of a few charges. So having read an article on the BBC website I followed the link to this website.

I think it's been just under 4 weeks from start to finish. I wrote to request the 6 years worth of statements from the bank but found that I actually had most of them. I didn't wait for the bank to send me the statements as more and more press was covering the bank charge buzz. We were concerned that the banks would soon find a way of counteracting these claims. The total amount I'd calculated was £580. About 10 days later First Direct wrote back stating that the amount was actually £610 (very honest of them).

They offered £410 and I know the website recommends only accepting 90% or more but I have to admit I was pleased with what we got. So apologies to those that think I've failed the system but my greatest thanks to the website for helping me through the process.

If you even think you have bank charges request your 6 years of statements and spend and hour or two trawling through them. It's the best two hours you'll spend.

Act now, don't hesitate. Do it now!!!

Added: 1 Jan 1970

sharon west
Having being the subject to many charges while i was a student and seeing the sucess stories in the press i decided to give this a go. I filed the 14 day letter using the template letter on this site. While compliling court papers as i had recieved the usual stall letter i rhen recieved a letter saying that they were refunding me the full 1851.00 i had asked for no questioned asked. A week later the money was in my account.What a top site, i would never believe it would be so easy. THANXS

Added: 1 Jan 1970

kim strong
having successfully received all of my Bank charges back from First Direct (see earlier success story, I have now also successfully recovered 390.00 from First Direct which represents penalty charges on my credit card with them.
This is now success number three !!! I still have others in the pipeline but hope that this spurs any one on....IT REALLY DOES WORK !!!!!!!!!!!!! thanks enormously to this site my total repaid so far is now about 6500.00 pounds...........I am a very very ordinary person and this money is reducing all my credit card debts.thanks a million x x x


Added: 1 Jan 1970

Andrew Holmes
I began my claim back In January claiming back my estimated charges for six years from December 2006 based on my average charges over the previous 8 months, this worked out a whopping £9160.00. As expected the Alliance & Leicester responded quickley but refused to pay up. Claim sent in through courts for £9160.oo plus £250.00 costs. After 14 days the Alliance & Leicester Had not responded to the Courts or myself so I went back to the Court and requested Judgement by default through the court which I received within a week. This ordered the Alliance & Leicester to Pay the full total of my claim forthwith. After 2 weeks I had still not received my money so I again wrote to the Alliance & Leicester informing them that If they did not pay up within 10 days then I would obtain the Certificate of Judgement from the court which would enable me to proceed with my claim through the High Court as my claim was for more than £5000.00. Two days after my deadline I received a cheque in the post For £9460.90 as full & final settlement but not addmitting any liability, Also they said they would be contacting me shortly to discuss the operation of my account. The following day I received another letter from the Alliance & Leicester saying they were not going to pay up. It seems this bank hasn't got a clue what its doing.

Added: 1 Jan 1970

Patrick Markham
Thanks to PanaltyCharges.co.uk - I have just received six years charges totaling £1595 from First Direct.

1. I sent the standard letter and charges details as outlined on this site.
2. Immediately received a letter from FD to say they would look into it.
3. After 10 days received a letter offering around 75% of what I had asked for. (I would have settled only for 90% or higher)
4. Responded to FD to advise that I would not accept the offer and allowed them an additional 7 days to respond before I would take court action.
5. Received a letter from FD offering 100% refund which I immediately accepted.
6. They took 2 or 3 weeks to credit my account but it arrived just as I was deciding whether to chase them or start the court procedure.

I shall be reclaiming the credit card charges next (although they are significantly lower)

Patrick

Added: 1 Jan 1970

Gavin
Read the article in the Sun and then came onto this website.
Got stung when money was tight, getting charged £28 for not having enough money in bank and then a further £35 on top because i was then overdrawn. Kick a man when hes down!!
Had all my statements over the years in a draw so went through them. I found £ 246.00 in charges and sent my 14 day letter off. I received the 8 weeks to answer letter and then a follow up letter a week later offering £ 340!?!
All thanks to this site!

Added: 1 Jan 1970

tracey breeze
I sent off my first letter to TSB on March 22nd 07 - got the standard reply 'blah,blah,blah'. Then sent two more letters that were completely ignored! Finally on the 24th May 07 I sent quite a well worded letter advising them not to ignore me for a 3rd time - today 1st June 07 I got a letter of full and final settlement for £596.00!!! Orginal claim was for £700.00 so I'm delighted and am accepting this. Can go and book my holiday flights now! HURRAH!!!! My advise - just keep pestering them.

Added: 1 Jan 1970

roger green
I started with a letter to my bank on the 16th March 2007 asking for charges and interest totaling £432.09 (I already had my statements on the internet).
The reply was a bog standard 'we wil not pay you' letter. so I sent another letter threatening court action.
They replied with an offer of less than 50% of what I asked for but also said they were going to close my account with in 30 days.
I replied with a court summons for the toal amountg + £50 costs totaling £482.92 plus I also reported them to the Banking Ombudsman for bullying behaviour. That investigation cost them £350+Vat.
Again I received a letter stating that although they did not accept my claim they would like to bring the matter to a close so could I contact them.
I rang them on Thursday 5/04/07and spoke to 'their refunds' man. Told him that I had every intention of going all the way with my claim and if they want to settle theyhad to meet the claim in full plus leave my account open.
Today I receive a letter offering to pay me in full and keep my account open if I withdrew my claim in the court and agree to abide by their 'rules'in the future.
Thanks everyone for your help.
I am now going after 2 more banks on behalf on my 2 daughters. I will update as things happen.

Added: 1 Jan 1970

Iain Kerr
I had over a period of a year accrued charges totalling £540.00. I sent my letter befire action giving Smile.co.uk 14 days to refund the money and they duely did, quids in.


Added: 1 Jan 1970

K. Ward
Actually the bank charge story can work in reverse too. I charged ASDA Stores £30 for failing to de-tag goods so that I triggered their alarm system when leaving the store two weeks out of three, as a result of staff negligence. I got a week's free shopping at their expense. I cited bank charges when suggesting compensation.

Added: 1 Jan 1970

Granville Pipe
Early Dec 2006 - Rear brakes failed on car & also needed 4 new tyres. Total cost £560. No car = no work = no money! Went to bank & asked for short term extended overdraft / loan to cover emergency. They said "No"

Mid Dec - saw tail end of an item on sorting out your finances and checking if bank charges were lawful on BBC Breakfast TV. Mused Mmm that would be nice - but surely the Banks are not stupid enough to charge everyone unlawfully!

Boxing Day - surfed net feeling bored & hard up. Remembered breakfast TV story & searched on BBC for details.

Found Penaltycharges.co.uk & read through all the web-site several times. Still didn't believe it was true or that it would apply to me or be that easy!

21st January 2007 got my latest statement with £170 charges for going overdrawn paying-out for the car!

Decide that was it I'd had enough - I'd go for it & see what happened! Was able to get 2 years statements online and estimated my charges over 6 years as £2500

29th January 2007 handed in letter to branch expressing my concerns and asked them to check and confirm if charges over 6 years were applied lawfully and provide proof charges were proportionate to their losses. Gave estimate of £2,500 for 6 years charges.

7th Feb 2007 - Got response to say Nationwide are transparent and fair about charges. They were confident that all charges were appropriate and if I didn't like their terms and conditions then "it may be appropriate for me to consider alternative banking arrangements." They did not challenge my estimate. They also suggested I apply for an overdraft and they may be able to help!

Replied (recorded letter) to thank them for not challenging my estimate and so confirmed estimate. Also complained further that query hadn't been addressed and they had attempted to bully me into caving in and forgoing my right to judicial review.

21st Feb 2007 - NW charged additional £130 for exceding overdraft in January by £120 (which wouldn't have happened if they hadn't charged me £170 in Jan or had given me an overdraft in the first place!)

1st March - having received no further response paid £120 to lodge claim for £2630 + 8% interest @£368.53 = £2998.53

3rd March 2007 received "Final Response" to say they stood by the decision NOT to refund ANY charges.

8th March 2007 Mr Bacon (Company Solicitor) acknowledged Summons and notified court of intention to defend in full.

4 April 2007 Received refund of £2630 charges, PLUS £368.53 interest, PLUS £120 court costs AND also PLUS £107.96 pending charges that I hadn't even asked them for! A complete and utter captitulation!

The buggahs are as guilty as sin and they know it!

Thanks SH & www.penaltycharges.co.uk You deserve to be included in the Queens next honours list!


Added: 1 Jan 1970

tessa
Phoned to request statements on 13th Dec 06. Recieved letter stating a 4 week wait. 4 weeks later i got a letter saying there would be a £10 charge.I replied and 2 weeks later I finally recieved my statements. Including the 8% interest per yr my claim comes to £5403.00, I wrote asking for this to be paid in full within 14 days. They wrote saying they had a backlog and would try and sort it within 4 weeks. I waited 4 weeks then sent a 7 day letter, stating that i would start court proceedings. They replied saying that their charges are fair and offered me a goodwill payment of £35!!!!I then wrote to the court and I am waiting til the 16th April which is Abbeys deadline to reply.

Added: 1 Jan 1970

Rallyman Dave James
I took a huge hit from my bank after my business was vandalised and i lost thousands and thousands,the bank manager sid i was rated as and i quote "zero tolerance" customer, despite this and paying almost ten k in charges i have restarted my business, on two different fronts, reduced my borrowings from 49k to the bank to 29k as well as keeping my business and house.
I am still here DESPITE the bank, not BECAUSE of them. So everyone get out there and fight for your money now !!!!

Added: 1 Jan 1970

Kay Parkyn
I'd been banking with HSBC since 2004. On New Years Eve afternoon 2005/2006 I suffered a fire in my shop which completely destroyed everything - needless to say I was devestated. I knew that as far as the business went I was covered by insurance so no real problem there - my problems started when my local branch (directly opposite my shop) sais they couldn't give me an authorised overdraft (for day to day expences etc). I started to get hit with charge after charge and eventually the stress got too much. I was signed off for the best part of last year by my doctor. My bank loan repayments were covered but seemed to get paid intermittingly, adding to the charges! Eventually, when the insurance for the fire paid up it put me into credit but I was still miffed when I realised how much I had been charged! Saw a couple of programmes on TV about bank charges and found myself to this site - well, what can I say! I started the ball rolling in February this year and just 2 months down the line have had the whole lot refunded! The bank obviously didn't like it but hey 0 I wasn't too happy about the way they treated me either!
My advice - it's your money - go get it back!! Follow the advice given on this site and you can't go wrong!
Kay

Added: 1 Jan 1970

Jo
Had £165 refunded back from First Direct, very straightforward & no delay tactics. Different story with Capital One, had offer (final) of £176, am claiming for £580.Said that "financial regulations require me to advise you that this is my final response"
Unsure where to go next, not happy with the response at all. Have just fired off another letter to them. Still waiting to hear from Lloyds TSB, had letter saying they would respond in 8 weeks!! Again not happy, did ring(sorry) and they said they don't know why people are stating the 14 day period!. Anyway shall keep plugging away, fab to read all the success stories & see how many banks are coughing up!!


Added: 1 Jan 1970

Maria Cheshire
Hi
I sent the template letter found on the BBC website to the Coop for a total of £600.00. I followed instructions to send by registered post. Heard nothing by the 14 days and gave them a ring on the 16th day. They sent me a holding letter, then within 2 days another letter stating that the full £600 had been credited to my account as a good will gesture. Thank you, as am getting married in June the extra cash is an amazing blessing.

Added: 1 Jan 1970

Maggie
I have banked with the Halifax for 12 years and over the past 6 years have been charged £1518.00 in bank charges! I went on your website last week and downloaded you template requesting statements. Two days later I got a letter saying that they were dealing with the matter and that they have 8 weeks in which to respond. Two days later I got all my statements free of charge and my postal order for £10.00 refunded. I have now sent off my spreadsheet and letter asking them to refund my £1518.00 charges!. Fingers crossed! A big THANK YOU to Penalty Charges for spurring me on! I'll be in touch with the outcome.

Added: 1 Jan 1970

Matt Day
i wrote to my bank in february asking them to refund the £4200 in charges from the last 5 years. there was no reply so i sent them another letter asking for that amount plus interest. It has taken them a month to reply to that and i have today recieved an offer of £3767

Added: 1 Jan 1970

Lyndsey
Claim amount £114
Back in Jan i recieved a penalty charge for a £38 because my account didnt have enough funds to clear my direct debit. However money to cover the costs were paid in to my account from a direct transfer 3 days prior arriving in my account the very same day! They decided to attempt transactons before recognising my balance. I was oblivious to this having recieved no letters until days later when checking my online banking by which time they had charged me again from another direct debit returned because it was 3 quid short and all because they had charged me earlier! And then came the next charge. Being just after christmas i was very low on cash and had budgeted just enough money to get me by. Thinking they may understand i phoned up pleading with them that i couldnt afford these charges... unfortuatly i was put onto a snooty young kid who basicly said well you have already paid the charges so you have just afforded them. Determined to get my money back i researched on the net and spent nights awake in anger. I got a couple of we will contact you letters after sending the first and second letters but still heard nothing. So after taking it to the ombudsman finally 3 months later i recieved a letter saying they were offering the charges back in full however they are not in the wrong blah blah. I won! and now throughout this whole procedure i have always said, if the charges were justified i could accept it its the way they went about it sneakily that made me claim.

Added: 1 Jan 1970

David
After reading alot of information from this site, it has helped me get my charges back.

When i was on the phone to the bank to request my statements, they asked what it was for, and explained i wanted to claim my charges back. The person on the phone said they can speak to someone to do that just now - They said you will hear something within 5 days -

Turns out i did, i got a letter from the bank stateting that nearly £200 in charges have been put back in to my account!!!

So thanks penaltycharges for the help!! Keep up the good work.


Added: 1 Jan 1970

SPENCE
HEARD ABOUT THIS WEBSITE THROUGH A FRIEND AND THOUGHT WHY NOT IVE BEEN USELESS WITH MY FINANCES AND LIKE THE OPPERTUNITY OF PUTTING TWO FINGERS UP TO MY BANK. WENT THROUGH MY STATEMENTS OVER 6 YEARS FOUND £2651 OUTSTANDING ON ONE ACCOUNT, £1229 ON ANOTHER AND £359 ON A THIRD (2 WERE CLOSED) STARTED THE BIG CLAIM ON FEB 21ST WITH THE REQUEST LETTER, FOLLOWED BY THE DEMAND THEY OF COURSE STALLED SO COURT ACTION WAS STARTED ON THE 19TH MARCH THEY THEN SAID THEY WOULD DEFEND, I RECIEVED A LETER ON THE FRIDAY THE 13TH APRIL (UNLUCKY FOR WHO? THE BANK I SUPPOSE) SAYING THEY WOULD PAY THE £2651 IN THE NEXT FIVE DAYS. THE SECOND AND THIRD CLAIM I ALLOWED THEM 8 WEEKS TO ANWSER AS THEY HAVE BEEN PAYING UP, SO THEY ARE DUE IN THE NEXT TWO WEEKS, JUST KEEP ON TO THEM AND DONT GIVE UP ANYWAY IM OFF FOR A WELL DESERVED HOLIDAY IN TURKEY NOW WITH MY BEAUTFUL WIFE ILL BE SURE TO SEND THE BANK A POSTCARD AT THERE HEAD OFFICE WHY DONT YOU ALL DO THE SAME


Added: 1 Jan 1970

Audrey
Hello, I am claiming back charges for a number of family members using your site's good advice. Alliance and Leicester just paid charges and interest of £2,500 to my daughter, I have 6 oher people I am helping and I will let you know their results as soon as they are in. Thanks for all the great help and support....

Added: 1 Jan 1970

Simon Drake
I followed the process set out by 'penaltycharges.co.uk' and accepted the second offer £1,572 which was about 90% of my claim. All letters from the bank said exactly the same as others listed on this site. Many thanks for your help, it has made life a little easier, and my donation is on its way.

Added: 1 Jan 1970

Steve L
Claimed £805 plus £16 interest and £80 court fee. Abbey settled in full today - a week before the hearing.

Several in the office have been encouraged to claim for themselves. Thanks for the help!

Added: 1 Jan 1970

Joanne Martin
We went through the processes just as instructed on your wonderful website and I have now received 100% of my bank charges straight into my account. Still waiting to hear from my husbands bank HSBC. It dosn't look good.

Added: 1 Jan 1970

Steve81
Have been chasing Abbey for full refund of charges since Dec 06. They even put £300 (gesture of goodwill)in our account before we had been notifed, wrote accepting it as down payment. Having twice given them 4 weeks in which to sort out my claim they say they are still trying to understand fully the problem before they make a decision. Have decided to take court action, will let you know how it goes. But to all you chasing the abbey don't be put off.

Added: 1 Jan 1970

darren loader
just got 360 pound back from abbey ussal rubbish did as good will now have for hfc hsbc and capital one will let you no how i get on thank you penalty charges for your help

Added: 1 Jan 1970

Steve Piper
Mine is with regard to mortgage redemption charges. I paid off my mortgage with A & L in summer 2006 and they imposed a redemption charge of £295. Last month I wrote to them claiming that this was too high and they replied with a standard letter saying that I was made aware of this legitimate charge. I wrote again saying that the charge was disproportionate to the work done and I received a "goodwill" cheque for £210 shortly after. Not a lot of money but not bad for a few minutes work, almost as much as the financial institutions try to charge!

Added: 1 Jan 1970

Wendy
This website inspired me to claim my charges back. I rang and asked for statements, which only took a few days to come, costing my £6/8. This was debitted straight from my account. Highlighted all charges and sent temple letter requesting £887. They received this letter 13/03/07 (sent by recorded delivery). Yesterday the sent me a letter offering £769 to settle but did "not accept my complaint". As others, had to sign to agree not to contend charges again blah blah... if you're thinking about doing it you really have NOTHING to lose! I'm going to do my old credit card next - only about £200 but not bad for printing and sending one letter! Good luck xx

Added: 1 Jan 1970

Alex
Hi all, have faith. I'm a single mother, self employed for the past three years. Every penny counts full stop. Thanks to this inspirational website I didn't even need to send the court letter out. I recived £2,524.00 as full settlement for my accounts. Thank you so much.

Added: 1 Jan 1970

veaks
Made a claim with HSBC on 20th Feb for £2,722.00. got the standard "Langdale" letter back within a week. I chose not to go through the courts so I sat and waited. 7 1/2 weeks later I had to chase them for a response but the day after the 8 weeks for them to respond were up I got a letter offering me £2,380.85. I accept!! I'm getting married next week so the money'll come in very handy! Thank you so much penaltycharges.co.uk the forum is ace and very helpful.

Added: 1 Jan 1970

jonny
DEFINATELY,DEFINATELY CLAIM!!!!!!
you simply cannot loose, i claimed for £2222 and 21p. i sent the letter and 5 weeks later i had my settlement of £2168.32. easy!!! cheers for that!!!!

Added: 1 Jan 1970

James McLeod
Sent claim for £1,063 to abbey on 18 January 2007 to reclaim last 5 years of charges (scottish claim). On 18 Feb, got a letter saying they had credited £260 to my account as a gesture of goodwill. Immediately rejected this and advised that I would required the remainder or would take court action. Waited until 10th April 2007 and got a letter saying no further payments would be made to me in respect of my charges. I had in fact already lodges a small claim on 22 March, which had a hearing date in June 2007. Received a letter from Abbeys legal team on 18 April 2007 offering full settlement of the remaining £803, plus interest at 8% plus the £39 I spent lodging the claim. I'm well happy and this has all been worthwhile. My advice to anyone pursuing Abbey though would be to lodge small claims summons immediately upon the 14 days expiry of the LBA letter. :-)

Added: 1 Jan 1970

Jane
Hello,

This is the best sight I have ever found! I claimed £425.00 from FD and received full compensation within weeks! Now claiming a further £200.00 from them. I am also pursuing compensation from HSBC, Lloyds and also C & G for all my mortgage charges!

It really is worth totalling the charges, popping the post and waiting. Easy work for such good payouts. Don't let these banks win...fight fight ... then treat yourself to a holiday!

Jane

Added: 1 Jan 1970

Lucy
I decided to start this procedure afer I was charged £75 for three seperate itunes transactions that totalled £2.27. With the help of this site i sent the letter requesting my statements. The bank got straight back to me telling me they were dealing with my query. Within 3 weeks my current account was credited with £1800! I hadn't received my statements so i emailed smile to still foward them onto me. I received the statements this morning in the post and have just worked out the total which is £1858, so I am incredible pleased with the result. I thought it was going to be a nightmare with alot of toing and froing but I was pleasantly surprised and am so pleased with the outcome.

Added: 1 Jan 1970

chris
i had what is knwn as a CAM account (current account mortgage)sounded great at first except that it took much longer than normal for deposits to reach the account so much so that over a 2 year period i recieved 75 penalty charges,we eventually came to our senses and got out of this situation and changed bank and mortgage,however i was so angry at the pain and worry caused that i decided to do something,i found this site worked up the courage sent off the letter and £10 to find out my charges ,i recieved in about 3 weeks copy statements all neatly highlighted with the charges,next the LBA with list and detail of charges.to my surprise they settled quickley,within 7 days.so dont delay get on with it.all the help you need is right here.

Added: 1 Jan 1970

tracy
i followed the website and ended up going to court i recieved a letter from the court saying it has been thrown out

Added: 1 Jan 1970

karen
wasnt going to bother even trying to reclaim my bank charges- my mother talked me into it. Nothing usually ever goes my way- Im so glad that I did though.
I received my statments for 6 years, about 2 weeks after sending for them, I was amazed to find that they owed me £1514- I sent off the relevent letters, during the waiting period I ended up with two more charges, so, when they offered me £1360, I said no thank you, I told them I would be happy with £1600, they said they would be willing to go to £1580.. I accepted.. success!
a note to anyone who is thinking of 'not bothering', please go for it!, its worth it, it was so easy!.. good luck
karen

Added: 1 Jan 1970

fishbaby
1839.33 in unfair charges.

started claim 14 jan 2007

Dartford county court

cheque for 2210.39 on 21 april 2007

Added: 1 Jan 1970

Laura
I asked for £710 back in bank charges, following the advice of this site I gave them 14 days to respond. First they sent me a letter saying that they may not be able to repond in this timeframe. After 21 days they sent me an offer of £510. I rang them and suggested that they should offer me more, they suggested that I should take the money because I wouldn't be offered any more. Not wanting to rock the boat as I have a big overdraft with them I took the money which was paid in as soon as I had sent the form back. I think I could have got the full amount had I pursued it and been prepared to take them to court but I wanted the money quickly. Sadly the banks have sussed out what kind of people we are that get charged (ie spend thrifts, young people, students) and know that by offering us a tempting amount we will take the money and run rather than wait for the full amount we are entiled to. If you can afford to, see it through and get the full amount back.

Added: 1 Jan 1970

Alan
I had a four year Car Hire Purchase agreement taken out in April, 2003.

Because of a change in my financial circumstances, I was late with some payments after September 2005 and various charges were added to my account.

The final payment was due on 5th March 2007.

The balance claimed by Capital Bank was £947-25p which included charges of £550.


Following advice received from Penalty Charges.co.uk, I wrote to Capital Bank Plc on 18th March 2007, heading the letter 'WITHOUT PREDUDICE' and stated that I disputed the charges (that I listed) of £550 because I did not believe that any of those charges reflected the true cost to the bank of my making late payments.

I enclosed my cheque to value £397-25p and stated that it was in full and final settlement.

I have since received a letter from Capital Bank Plc advising me that they no longer held any financial interest in my vehicle and that the account was now closed.

Many thanks for your help.

Added: 1 Jan 1970

Lynn Fairservice
After being told by a colleague re site I contacted www.penaltycharges.co.uk and went through the procedure step by step. I initially received a letter asdvising me that the bank were looking into the matter giving me a further date when they would get back to us. Although this was outwith the suggested time by the site I beared with it and low and behold the full amount was repaid upon receipt of a letter giving the usual non acceptance of liability. A total of £2530 was claimed and subsequently received. I had most of my bank statements but did not request the ones I could not find nor did I request interest payment on the amount. Perhaps I should have !!!
Many thanks once again.

Added: 1 Jan 1970

Kirsty O'Callaghan
They owed me £2,081 in charges including interest over the 4 years that i have banked with them. They initally responded with an offer of £1444 which i declined. They have now sent another offer of £1754 of which i am prepared to accept, and am now awaiting funds.

This site is very helpful, thanks to all who set up.

Regards

Kirsty

Added: 1 Jan 1970

Debbywebby1970
I decided to do this as one day, because I was £4 over my limit, the Abbey charged me the total of £50 in one day and when I called them to say that I couldnt pay the charge and that they had left me with no money for the week (Im a single mother) they were rude and nasty. That enraged me enough to do something about it, so this process begun.
I was very nervous about the whole thing, as most people are when dealing with banks and their money, but with the HUGE help I got from this site, I became more confident as the process went on. The Abbey settled today for £1474. My advice to anyone reading this who isnt sure whether too or not, DO IT. Just do it. You have NOTHING to lose and all your money to gain back. Thank you SO much to everyone.


Added: 1 Jan 1970

Lynneranghel
I claimed back on February 24th the sum of £1292-00 on behalf of my son.They sent the standard letter 'looking into it' but we didn't hear anything from them for ages. My son didn't want me to chase it up as he is trying to negotiate a loan with them at the moment and didn't want to do anything to upset them. I did tell him that what they are doing is illegal and shouldn't make any difference. We had virtually written off the money when to our surprise a letter arrived this morning offering him a refund of £1185-30 which he is very happy with. I can only think that the banks are so snowed under with these claims that it is taking a long time to process each one.It sounded for a moment that I feel sorry for them, nothing could be further from the truth they are and have been robbing people blind for years and I should know as I worked for HSBC for years.They deserve everything that is being thrown at them. Thank you once again for all of your help and guidance.

Added: 1 Jan 1970

Will
.....wel i was so so so shocked first of all to work out how much i had been charged in the past 3 years £3338!!! daylight robbery. and i was more shocked to receive the full mount back. happy days. am so greatful to the web site and i would avised anyone and everyone to claim any owed bank charges back. i really dnt think it would work for me, but it did. so give it ago, it costs you nothing....

Added: 1 Jan 1970

Michelle Barber
I first wrote to the Halifax on 12th March to ask for my bank charges totalling £1035 to be reimbursed to my account. I then received a letter from them shortly after advising that they were looking into my complaint and would write again no later than the 2nd May with their findings. I was delighted therefore to receive a letter on Saturday 21st April advising that the full amount of £1035 will be recredited to my account within 14 days as a gesture of good will. It's with thanks to this web site that I managed to get my money back, and it was so easy too. Thanks again!!

Added: 1 Jan 1970

Claire
Thanks to the excellent advice and total support from this site, I have successfully claimed back all charges from Nationwide without having to fill in an AQ or go to court. The LBA was sent as advised, the standard "no" reply received and so I filed at court. One week after the Notice of Issue was served the money was refunded in full to my account without any letters at all from Nationwide. One down, lots more to go. Thank you so much to Stephen Hone and all the MODS, a donation is on it's way.

Added: 1 Jan 1970

James Pennells
Over past 6 years, due to an extended period off work due to illness, I racked up nearly £2000 worth of charges.

With the help of this site, I wrote to NatWest middle of December last year (2006). 3 Months later I received settlement in full and also around £500 in interest!

Happy Days! :)

Added: 1 Jan 1970

Katie Drew
I started the process in February 2007, by sending the first letter. Within 2 weeks my statments arrived (free of charge!) and after checking thoroughly, I worked out I had been charged £1130.00 in charges in the last 6 years. I then sent the second letter asking for the full amount back. Two weeks later I received a letter informing me they were investigating the matter. Today (a month later) I have received a letter from HSBC offering £1006.00 in full and final settlement. I have of course accepted this offer as I was not looking forward to starting court proceedings. Two letters, a bit of patience, and I have won! Thank you to this site for all its help!

Added: 1 Jan 1970

Nicky Crocker
I read about the unfair charges in the Sun newspaper and was redirected to this site. I read through the stories and thought we had nothing to lose!! - both my husband and myself are self employed, so I had all of the bank statements for over 6 years - I decided to go back for 3 (as this is when most of the charging began) I worked out we had been charged £3083.63 for paid referral fees, unpaid items and overdraft interest. I wrote to Barclays on the 28.02.07 with a standard letter asking them to fefund this amount or we would be seeking court action.
I received a reply on the 6th March asking for four more weeks to look into our claim fully. This meant they had until Friday 27th April to respond. Last week I rang and politely reminded them that I would be awaiting the letter otherwise I would be starting legal action.
Today (26th April) a letter has arrived offering £2175.00!!! - I know people say not to accept the first offer, but I am worried over talks of OFT stopping the claims and I was never expecting any money at all so have accepted. However at no time have the bank accepted liability. I have asked what measures they are looking to put in place with regards to lowering the charges applied but they say they are awaiting the OFT's findings. Good luck all - Our car blew up last week and so another is on the cards - YIPPPPEEEE

Added: 1 Jan 1970

Chris Pearce
This is my success story and I hope it inspires others to not only take these banks on but to also keep a steady nerve. 1st March requested bank statements, 8th March received an acknowledgement letter telling me they would not charge me for my statements. 28th March received over 200 pages of statements. 29th March worked out that I had paid £2770 in charges!!!! Doing 14 day letter asking for it back and a courier knocked with another copy of all my statements! Received a response on 17th April stating that I had listed 1 of the charges as £30 but they had only charged me £20 and because they have previously given £189 of charges back they had changed my claim to £2571. But that they were prepared to give me £2185. Looked into the changes they had made and in the process of going through the statements for what felt like the thousandth time I found 2 charges of £25 each that I had missed. So on the 18th April I wrote rejecting their offer and adding the two charges I had found. This made my claim £2810 minus the £189 previously given which left a balance of £2621. Gave them seven days to respond, sent recorded delivery on the 19th. On the 24th I received a letter giving me the full amount back, no quibble no arguement.
Thank you very much for you useful web site, have been spreading your word. Once the money hits my account I shall be making a donation.

Added: 1 Jan 1970

Andrewcam
Went through all the palarva(Is that how you spell it?)anyway got to the bit where they filed defence then had a letter out of the blue with all the blah blah blah from Barclays, glad I read it to the end because the last bit said that they had paid the full amount asked for into our account, HAPPY DAYS! Got one at the same stage with HSBC but no joy yet with that one, so I'll bide my time! Couldn't have done this without this FAB site so thank you! I have made donation to you so that others can benefit from Stephen's initial seed! Keep the faith People!! x

Added: 1 Jan 1970

Maria
Dear penalty charge team,
i sent my first letter to request mw statements on the 9th of feb, i sent my letter claiming £915 in charges on the 10th of march. On the 17th of april barclays bank offered me £685 which i said yes to! Yesterday- 25th of april they had credited my account with £685!!!
I am very grateful to your website with its simple and easy to understand advice, i could'nt have done it without you!
I'm so pleased to get back money i never thought i'd see again,i am now recomending you to friends in similar situations!
Thankyou so much!!!



Added: 1 Jan 1970

MART
WE HAVE SENT THE LETTERS REQUESTING STATEMENTS FOR THE PAST SIX YEARS (25 FEB 07)HADN'T RECEIVED ANYTHING BUT THEY HAD CASHED THE CHEQUE FOR £10 FOR THESE STATEMENTS, SO SENT A LETTER REMINDING THEM AND TODATE STILL NOTHING. WILL GIVE THEM ANOTHER WEEK THEN WE WILL TRY WHAT EVER THE NEXT STEP IS. SO, SO FAR THEY HAVE NOT BEEN HELPFUL AT ALL!!! BUT QUICK ENOUGH TO CASH THE CHEQUE. WILL SEE WHAT HAPPENS

Added: 1 Jan 1970

Sue
Sent my LBA and got £856 of £883 claim before 14 days was up!!! Halifax seemed to be a bit of push over in comparison to the other banks I'm gunning for.

Good luck to all that are claiming

Added: 1 Jan 1970

Sara Sandven
I sent off my LBA just after Christmas, got an offer for the full amount from Stuart Higley(before interest and court costs) around two weeks after I'd filed in court, declined the offer as I'd incurred court fees. Everything seemed to slow right down after their solicitors, Cobbetts, took over, and I was starting to lose heart, when a cheque for the full amount (£3513.77!) arrived in the post today. Hooray! :-)

Added: 1 Jan 1970

TWLincs
I bumped into a friend in a local post office who told me about this website and to have a look. I had a read through then decided to give it a try.

I followed the step by step guide and used the letter templates kindly provided on the site. I sent my DPA 40 day letter requesting 6 years statements, these arrived on day 40. I then sent my LBA 14 day letter requesting my charges back, I heard nothing other than a standard fob off letter from the bank. I then filed a court claim against the bank on day 15 and 9 days later I received full settlement of refund of charges in full, interest and court fees, a grand total of £1755.

Until I heard about this site I didnt even give it a second thought to claim my charges back. I can't thank the people here enough for their help and support, there is someone there for you at every step of the way.

Thank you to everyone and to anyone not sure about whether to claim or not - do it, you have absolutely nothing to lose. I have made a donation to the site.

Thank you penaltycharges, you are fantastic.

TW, Lincolnshire

Added: 1 Jan 1970

Matthew Edwards
I first heard about the opportunity to re-claim of couple of years back. My reason for not following it through was the fact that there was no website of forum to support and guide me. Any attempt to reclaim charges without this support would have been fruitless.

During my claim I did nothing new, I just followed the instructions stage by stage.

One thing is do not rush anything. I work in the industry and have good excell skills, but I still had my spreadsheet checked my a VP at my work.

Also, the individual support is world class. FlossyFlo became my guardian angel and she followed my claim to the end, always replying when I was unsure. The support on this site is simply incredible!

When you do win please make a donation, and make it worthwhile, not just a fiver!
Without the help of the wonderful moderators I would not have £6800 clearing in my account, with more to come!
I have made a token donation and will now increase it into something useful.

I wish I could thank all these wonderful people in person.

Go for it!



Added: 1 Jan 1970

Rachel
Here is the story of my successful cliam. In January this year I decided after hearing much about these charges that I would try to claim mine back, well I thought you have to be in it to win it!
Luckily I have kept all my statements for over the past 7 years (something my boyfriend can't understand but I think he is now grateful I did!!).
I spent a few hours going through them and working out the charges. I put them onto a spreadsheet on the computer for ease. I then used the standard first letter to write to the bank. A couple of weeks later I received a 'standard' letter from Natwest sating sorry and bear with them. I left it a couple of weeks and then wrote again saying as I hadn't heard from them I gave them a further 2 weeks or I would take further action. (each letter I have sent has been by recorded delivery to enable me to prove it has been received). They wrote back saying that they would send duplicate statements to me to enable me to check the charges!! I wrote back saying I didn't nedd them (I received them anyway!) and also included a copy of the spreadsheet I had done with the charges on. Again a few weeks passed and no response, so I looked at the financial ombudsmans site and filled in their complaints form (I had been advised to go down this route first as it is a free service and they are more lenient on you if you have made a mistake on your calculations, also if you don't get anywhere through the courts you have nowhere else to go but this way you still could take it to court). I hadn't heard anything from them so a couple of weeks later I called them to find out what was the next steps, etc. They said that they were looking at my case at the moment a d would be in touch, however, yesterday (saturday) I received a letter from the Nat West saying that they didn't agree with my claim but as a gesture of goodwill they would offer me a settlement of £3976. The full amount that I had asked for. I was over the moon and it just goes to prove that it is all worth it in the end. So to all of you reading this and feeling a bit glum cause it is taking ages and your not sure if it is worth all the hassle - KEEP GOING. It certainly is worth it. Good Luck to you all
Rach x

Added: 1 Jan 1970

Becs
I was extremely nervous when I first started the process of claiming back my bank charges. I mean -- they're the banks right and I'm just little old me!

WRONG!!!!!

With the help of the penalty charges forum I was able to use the easy step by step guide to claim back my fees. The site also helped me to realise that I was not in the wrong and that the banks had no legal standing whatsoever.

For those of you just starting your journey, yes, it seems daunting -- but you know you have the upper hand and the law is on your side, so keep going! Don't be put off by the BS the banks will throw at you!

I received my claim in FULL to the amount of £1903.84!!!!!

Needless to say, I'm very happy!

Added: 1 Jan 1970

Peter
MBNA took over the running of my Redwings Horse Sanctuary Affinity card from Bank of Scotland and, although I had incurred no charges with MBNA, I had with Bank of Scotland and so decided to claim them back. The process started last winter when (following the guidelines supplied on the website), I applied for my 6 years worth of statements. Having had several useless replies from MBNA, I phoned them a few times and found the service not particularly good. Eventually, after several months, I received my statements and put in a claim for £290 in Late Payment fees (£25 per late payment). Having had no reply, I phoned them and warned them of impending court action should they fail to comply with my request, shortly afterwards, I received notification of a 'goodwill' payment of £120 and an explanation that they did not agree with the OFT guidelines. I refused to accept this payment and wrote again asking for the balance of £170. Lo and behold, I received another letter also saying that they didn't agree with the OFT guidelines but that they were prepared to make another goodwill payment of £170. I have since written back announcing my intentions of closing the account. Thanks for all your help!

Added: 1 Jan 1970

Simon Castle
Wow! Just recieved a cheque from MBNA for 2071.22. I went through the process step by step and ended up filing a claim online through moneyclaim.gov.uk. MBNA then put in a defence at the end of last week which got me very worried... Then I got two letters today, one from the court saying MBNA's defence was that they had already paid, the other was from MBNA enclosing the cheque. They've paid all charges, interest and court cost. Thankyou!!! Just Lloyds and Barclaycard to tackle now!

Added: 1 Jan 1970

Liz
I sent off my penalty charges letter as per the money programmes advice, for £790 and £189 respectivly for 2 of my bank accounts. HSBC advised me that their lawyers had decided that they had 8 weeks to respond, rather than the 14 days as per the letter. So I waited and last week received offers of £847 and £225 which I have accepted - so pleased !

Added: 1 Jan 1970

Roger
Many huge thanks to Penalty Charges, After following your instructions I claimed £2280 from Halifax, they offered £1100. I phoned them and refused and said I would see them in Court, but would be prepared to accept £2000 which they agreed straight away on the phone. A huge thank you.

Added: 1 Jan 1970

Yvonne
After many times of being ignored by the Halifax, despite sending them letters, I have finally been paid back the money! £2,500 and I have shut my account with them and will nto be suing them again! Keep persisting, its worth it, even if they ignore your first few attempts, they finally give in and give you abck the money they stole from you. Despite them giving me this money back I am still paying off the bebts they got me in! They were seizing the whole of my pension each month in banking charges. This money will now go some way to helping with the remaining debt I have. I am going to try for my credit card charges now.

Added: 1 Jan 1970

Phil
I started the process of recovery on 8th Feb for both my business and private accounts. After two letters on each side to the Bank, filing a court petition, and receiving a bank solicitor's letter telling me how my claim had no basis at law etc etc I have just had £1,804 refunded to my personal account today (the full amount claimed)and a written agreement to refund £2,543 to my business account following receipt of my signed agreement to their offer. The case was referred to my local county court and a date set for the hearing but the Bank "caved in" at this news. My advice is to forge ahead and have no "conscience" about it. The Banks certainly had none when they levied the charges in the first place.

Added: 1 Jan 1970

Ken Passey
Well after getting this web sites address from the BBC. i took on the challenge of getting £2626 back from the bank in unfair charges going back 4 years. Using the forms and advice from ALL the members and Mods on this great site...two months later i was paid in FULL plus court fees and 8% interest a sum of £3500.
Thanks to everyone for their help I would not have done this without your Help.
Cheers and good luck to everyone.

Added: 1 Jan 1970

DAP
Requested over £300.00 in charges from Cap One, without a word they refunded £89.00 as a good will gesture as their final offer. Claim issued in the county court which they acknowledged and filed a defence, today received a letter stating that they were paying the £536.00 (claim plus costs and interest) in full.
You really have to stand firm and they buckle in the end.
Barclays to go for £3300.00.

Added: 1 Jan 1970

Deborah Dyer
they took A little a long to respond to my letters but i got my money back over £800. I am in the process of help 6 other people to get there money back.
Many thanks to all the info on your website.

Added: 1 Jan 1970

Emma Christy
This bank charged us even for transactions made on Sunday!!! Really put business under pressure and were pretty sure that their charges were fair and reflected their costs. At the beginning they were very condescending, but after a few strong letters pointing out that we did not need legal advice from them, they made an offer for 10%!!! We obviously rejected this and they later settled for our full claim, costs and interest (simple only) totalling £7268.40 plus their other cheque for £735. Ironically, after spending three months telling me that my calculations were inaccurate, they wrote telling me that they would settle with £17268 - apparently after I chased the additional 10K this was a typographical error... Is this offer legally binding - you tell me, if it is I'll claim it! Don't let their rudeness put you off - carry on it will be worthwhile.

Added: 1 Jan 1970

Mark Haggerty
on 12th feb 07 i started process to recover £3800 in charges. i was offered £1544 in settlement, and i sent my non-acceptance letter the next day, however they had already credited my account with this amount.on receipt of my letter they agreed to pay another £1900, total of £3500 which i was happy to accept. i was promised this in writing within 14 days, however 15 days later no money was in my account, so on 3rd may i went to court, paid the fee and am now pursuing halifax for this debt with interest, totalling £4300. i await their reply.....

Added: 1 Jan 1970

Edrina Murray
I was told about your site by my friend, Patsy. I sent Barclays a letter which I downloaded from your site and fill in my details. I posted it to my local branch. This was about 5 weeks ago. Last week I received a reply from Barclays. They have offered me 2,760.00. This should be in my account within 10 working days, or so they say. I have downloaded and printed off letters and just giving them to anyone I meet now, friend or strangers. Thank You.

Added: 1 Jan 1970

Manya Mvula
I started my claim in December 06. LTSB have dragged everything out, but eventually, in July I was awarded just under £4000 by a judge at Gloucester county court. LTSB were ordered to pay by the end of July, but so far nothing. I have filled out the forms for a distress warrant to be issued so that bailiffs visit LTSB, but again i am still waiting. i understand that as I have already had judgement in my favour, LTSB cannot use the impending case with the OFT to not pay me.
I already successfully claimed £600 from Halifax, and hopefully I will receive my £4000 soon!
I will keep you posted!
I was worried that LTSB would win the court case as I owe them money and have defaulted on loans etc, but this has never even been mentioned, so I would urge anyone in a similar position to go ahead and claim - you have nothing to lose.
Having said that, in the past four weeks I have been charged £39 each week by Halifax for going unpaid DD. The first charge caused me to go overdrawn so they charged me again, which meant there weren't enough funds for my DD, so they charged me again, etc etc. It's a nightmare. It just keeps going round in circles, I don't understand how they can say these charges are fair, when they are so extortionate. I'm looking forward to the outcome of the OFT case, it can only be good news.

Added: 1 Jan 1970

Hannah Miller
Its taken me a year and I was supposed to be going to court in a couple of weeks, but barclays have just written to me 'settling' with an offer of the full amount they owe me of £457. Am very happy and would like to send a huge thanks to the fantastic people running this website and all those who offered me brilliant advice when my nerves were getting the better of me!

Added: 1 Jan 1970

trevor
after changing my bank from first direct to a company called thinkbanking,i was informed by one of their operators that the charges i was complaining about were illegal.I searched the internet for information and found this site.After sending the template letters i recieved the standard replies which ultimately resulted in my letter to the financial ombudsman,after 4 weeks of waiting i recieved a letter stating that first direct had deposited 3774 pound into my loan account.I wasnt happy with this outcome and wrote back to f.d. and told them the only reason i accepted their offer was if i recieved the money in a cheque,again i waited 3-4 weeks and out of the blue i recieved an apologetic letter from f.d. with a cheque for 2774 pounds,1000 pounds had been taken off the total as i had put my loan account in dispute while this action was ongoing.Obviously i could have claimed more in interest if i had taken it to court but i am absolutely delighted with the result,and now have the courage to do my credit cards and wifes account.thanks

Added: 1 Jan 1970

Rob
My charges for going overdrawn with Lloyds Bank over a period of 6 years amounted to £860. I sent them the standard letter and had a response from them saying that the charges were fair and they would not be refunding them. I then sent a second letter saying that I was not happy with their previous response and that I would be starting court proceedings in 14 days time. I had a letter back from them saying they stood by their charges but they would pay £750 in to my account within 10 days. In my case, all it took was 2 letters and I am now £750 better off. My advice is - go for it!

Added: 1 Jan 1970

deemj14
I started my claim earlier this year, and was rejected on both letter 1 and 2. I was considering my next course of action; including getting someone to act on my behalf. However, on returning home from work one evening I found a letter from the bank claiming a further £27.50 charge as my account was 1p short to pay a direct debit of £135.23. I was so angry, I phoned them immediately saying how angry I had been at this ridiculous charge and that I was taking them to court and would be filing my next the next morning. Two days later I received a letter from them offering a full settlement. There is a clause attached that they are withdrawing the facility to pay Direct Debits and Standing Orders. Nevertheless, I am getting over £1776 back! Good luck everyone, and don't give up!! This money means so much to us.

Added: 1 Jan 1970

Liam Gooding
After years of bank charges that sometimes can take certain individuals into the red, i thought it was time to look back into my account for any charges i had incurred. I simply contacted my bank and they kindly sent all my statements for the past six years. When hey arrived i thought it would have been a nightmare to trawl through them all . However i found that on a certain day of the month all these charges would come off!! So i got a total of around £2500 HSBC made me an offer within the 8 week limit they have. That offer was over £2300 Undoubetdly i snapped their hand off and will be changing banks immediately just in case!!

Added: 1 Jan 1970

dave
Wrote off with standard letter 9 March 07 claiming £1186, got the usual reply saying they would investigate and they had 8 weeks, I decided to give them the 8 weeks as I realise the banks must be absolutely swamped with these claims. Heard nothing so on the Monday of the 8th week phoned them and reminded them that the eight weeks was up on the Friday of that week and not only would I take them to court I would contact the Ombudsman as well. Low and behold offer arrived Saturday 5th May £1070 which I will accept. One letter, one phone call, 8 weeks of doing nothing. Priceless. Thanks and keep up the good work.

Added: 1 Jan 1970

Keith
Talking to fellow workers who had already claimed I sent Abbey one of your tenplates. I received a letter stating they would look into my complaint on the 22 March 07. On the 1st May they said the charges were correct and as a gesture of goodwill paid £350 into my account in £30's eight days later. I have asked for the last 7 years statements. I intend to take them to court. I am hartened by what I have read on your pages and will let you know the result if you are interested. Kindest regards. Keith.

Added: 1 Jan 1970

Aaron Carrier
After hearing on the news and in the papers about how people was claiming back the charges from the banl i thought it was about time that i kicked myself into gear as well, I had gone into my overdraft after been on holiday and carried on as usual untill i had exceeded it month after month, but each time by such a small amount, the bank not helping by slapping £30 on top of it every few months. So i downloaded the template letter that the BBC website had and sent it off after collating my statements together and coming out with a total of £420, After a week and a half i recieved a letter from the bank saying they had recieved my letter and was looking into it, a month after this letter i still had no repley and again wrote to them stateing that this would be my last letter before making a claim against them, this was sent on Thursday 3rd May, again i waited and today Thursday 10th May i recieved a repley stateing that they did not agree in my claim and that i should more or less read the banks terms and conditions including bank charges, but happly enough at the bottom of the page they agreed to give me a payment of £335 as a gesture of good will. Even though this is lower than the amount they had taken from me i have decided to take this amount rather than mess around going to court. My advice to any one who is reading this and is worried about going through with it, please go ahead and do it, you have nothing to lose and the banks are the ones in the wrong.

Many Thanks

Added: 1 Jan 1970

Ben Stoneham
Just got £4464.90 back from Lloyds (no threat to close my account either!) as a result of their failure to make the deadlines for filing a defence in the small claims court.

Interestingly, I spoke to a guy at the Solicitors who are representing Lloyds (Sechiari, Clark adn Mitchel in Brighton) and he confided in me that they are getting so many claims per day right now (in the hundreds) that it is taking them over 60 days just to process each new letter..

With the courts turning things around in 2-3 weeks, they are having the majority judgements made against them by defaulting in this way.

Added: 1 Jan 1970

Martin
I hope this will encourage others to stand up for their rights. I have been a Halifax customer for just over five years and for one reason or another I have had to rely on an overdraft for the last couple of years. I started to notice that, despite my efforts, I could not seem to reduce the amount of money that was leaving my account in charges, costs, interest payments and such things that I appeared to have no control over. At the end of every month I would be just over my credit limit and incur charges that would put me behind again. I spoke to the Halifax several times and asked if my overdraft could be extended by a small amount to prevent these costs. I explained that the costs were causing me financial problems which were beginning to get worse. The Halifax refused to help. Despite my efforts to seek a solution with the bank it was like talking to a machine. I then heard about people claiming their charges back through the courts. I looked at the various web sites and newspaper articles about the charges and found that this web site was the clearest and most friendly. I studied all the advice and eventually plucked up courage to do something about my situation. I was shocked when I added up all my charges. In total and including interest I submitted a claim for £10,249.27. I sat back and thought that there was no way the Halifax would pay that amount. I even had to pay another £250 in court costs because the amount was over £5000. I got the usual letter stating that the claim would be defended but heard nothing more. I started this process at the beginning of March '07. On the 9th May '07 I happened to check my bank account and was shocked to see that the bank had refunded the whole amount including the court costs, a total of £10,499.27! There had been no phone calls or letters offering interim, or part payments. The next day I recieved a letter from the Halifax stating that on a commercial basis it would cost the Halifax money to defend the claim and because it would go through the small claims track they would not be able to claim costs even if they won. If they had agreed to increase my overdraft in the first place they could have avoided paying this money. My advice is to have patience, hold your nerve in the face of official sounding letters, and believe that what you are doing is your right. Good luck.

Added: 1 Jan 1970

emmas
This is a summary of the timescales we went through to claim charges back from Abbey on two seperate accounts:

15.12.06 DPA sent to Abbey (2 accounts)
21.1.07 LBA sent
Partial offers of £385 & £80 declined
28.2.07 N1 filed at court (both Abbey accounts)
23.3.07 Abbey defended (both claims)
11.5.07 Letter from Abbey, they are paying up in full on both accounts.

Persevere and you'll get there!

Added: 1 Jan 1970

Maria
Hi, I have started all my charges claim more than 8 weeks ago and so far I only have as an answer that it's taking them longer because of the complexity of tha charges. I am claiming 1.690 pounds charges only from 2.004/05 and part of 2006. I would like to ask anyone that had to claim to hsbc if the response was the same or if I am being put behind just in my case I don't have british passport althogh a work and my taxes as everybody else. Thank you and hope that my experience doesn't put down anyone. It is our money!

Added: 1 Jan 1970

Mark
I live on Jersey and phoned the bank for 6 years statements! they said sure £5 a sheet, I said I know what you're playing at and said no thanks. I then wrote to the bank asking for a list for 6 years fees and charges enclosing a post order for £10, a week later I received all the info plus the £10 put into my account.
A week or two later I sent a letter of complaint about a few things adding in a couple paragraph's off this site about unfair charges quoting a local case that was in the paper here on Jersey where a man claimed over £2400! I said obviously you know the charges are unfair as you paid him etc etc, My charges were £2550, I added 8% interest and requested the total in 2 weeks. 2 weeks later I got a letter saying they will need 2 more weeks.... fair enough, 2 weeks passed and I got an offer of £1550!!! I sent out letter number 2 the next day! I figured I had 100 charges and if the charges were £4.50 each then that is £450!. so what they really owed me was £2150! if you take the £450 off. So in my second letter I said Thank you for the offer of £1550 but unfortunately I am not able to accept this, If you are willing to meet me half way (between 2550 and 1550!!!!) the I think an offer of £2100 would be acceptable and I understand this would be the full amount owing to me by the bank!!. 4 weeks later I got a letter saying, The offer of £1550 is fair and still stands but, Alternatively!!!!! we are willing to offer you £2250!! (I asked for £2100!) on 1 condition that if you go overdrawn again the bank will have to look at at our clint banking relationship! so delete the amount appropriate, Of course I deleted £1550 and sent the letter back off signed, a few days later £2250 was in my account. Thanks penalty charges I couldn't have done it without you! DO NOT accept the first offer, they WILL PAY.

Added: 1 Jan 1970

Martin Green
Hi, Claimed for £1,427 at the end of march 07. Heard nothing for a month so I rang them up and was told that it takes 8 weeks to be processed from the time they received it, which they said was 14th March. I sent them a couple of nasty letters saying I was going to take them to the small claims court, and rang them pretty much every thursday for the last month. Got a letter in the post from them yesterday saying they agreed to settle in full, the whole £1,427 and all I had to do was tick and sign and send the letter off. Money should be in my bank within the week!!!!

RESULT & JUSTICE!!!

Martin

Added: 1 Jan 1970

Phil
Like many other people my story started with the Money Programme. Its been 7 months in length and many times I have wondered if it would happen but today it did, I won!!!

Added: 1 Jan 1970

micheal stillyards
thank you penalty charges for the help I have got from your web site I would never been able to manage to tackle such a big bank without your help.I have just had a letter today telling me that the bank has debited my account with £2,179.the amount that I claimed through the small claim court being a pensioner this has meant so much to us we can afford another car and a holiday and I will be contributing to your web site fund thank you once again

Added: 1 Jan 1970

Carron
Hello to everyone, here is my success story!
I started my claim with Natwest on 1st Feb 2007 having only been with this bank for 3 years, my claim for a total of £1592.49.After sending in my template letters the bank offered to pay 50% of my claim providing I didn't take court action.But I decided to stick it out and requested the full amount, so after no reply to this letter i started legal proceedings against them.They first put in a defence and then completed the allocation questionaire and I really crapped myself expecting that they would go all the way.The court date was set for this Friday 3rd Aug and to my amazement this morning I received a cheque for the full amount ( 3 days before the court hearing). I am so relieved, it just goes to show that it's the banks who are crapping themselves. So don't worry sit back and wait and the money which is rightfully yours will eventually come to you. Most of all it didn't even cost me a penny to file with the courts as I am on working families tax credit.
Thank you so much to you all at penalty charges.
I also made a claim with Lloyds Tsb for £6300 but settled without court action for £5400.
Just got another account with Lloyds which I have won by default because they didn't reply to the court with their allocation questionaire and another with Capital One.I will keep you posted when these 2 pay up.
Once again many thanks, I couldn't have done it without your help.
Donation to your website to follow when this cheque has cleared.

Added: 1 Jan 1970

E Coombes
Took them all the way and after they had not responded or put in a defence applied for and got a summary judgement via moneyclaim on line, just about to issue a warrant when a cheque for £6150 dropped through the door. As a side to this earlier had recieved a letter from the Abbey disputing the claim but trumpeting the fact that they disagreed with my claim but had reduced their charges to £10 per item. A bit of an addmition of guilt I would say. Many thanks penalty charges, donation will be on the way when cheque clears.

Added: 1 Jan 1970

Anne-marie
I had to start the court action, however the bank paid me just under £4000 back, which was more than I had ask for. I am now at the final stages of claiming back the charges from a second account with the same bank. This time it is for just over £4000, so fingers crossed.

Added: 1 Jan 1970

Joanne
I sent the template for my bank statements for the last 5 years, i am appalled. The Bank Chaged me £38 for 'bouncing' a cheque for £4.17 when there was £4.10 in the account??? At the time i was in hospital having surgery, they not only returned it once but twice with a combined charge of £76... for a £4.17 cheque? I may not have many bank charges but i am disgusted with the whole process of random charges.

Added: 1 Jan 1970

LYNNE
havng successfully claimed nearly £2,000 within 3 weeks in my bank, i helped a friend claim his charges from his bank, and as they were under £100, i thought i would push my luck and politely ask by phone!! They agreed to refund these charges immediately. Thanks to this site.

Added: 1 Jan 1970

Paul
Id heard about claiming back charges from the papers, so was quite encouraged when I decided to claim back 1 years worth of charges.

After sending the LBA requesting refund of £827.50, I didnt think Id get a reply, but I did 2 days before the deadline.
The letter I received said that they have noted my request for statements and details on charges and have 40 days to respond.
My original letter never requested any statements, but it did require them to refund me the total amount.

I then sent the bank another letter, pointing out there error, and as a goodwill gesture, I gave them a further 7 days.
I didnt have any response within 7 days so I filed my claim in my County Court.

It cost me £80 and I added the interest on top, so my total claim stood at £968.50.

The claim was deemed served on the 19 April 2007, and the bank acknowledged the claim on the 24 April 2007.

The 17 May 2007 was the 28 day deadline, and I hadnt received anything from the bank. I rang the court and told me the bank sent a fax on the 14 May saying they were going to defend.

On Friday 18 May 2007, I received the banks defence, and along with this defence was a letter offering me £907.50 to settle out of court.

I have replied to the bank accepting this offer, as im happy to settle for £61 less than my total claim.

Thus, beating Yorkshire Bank.

Iv now convinced 2 friends of mine and my parents to start the process of claiming back unlawful penalty charges.

The penalty charges.co.uk forum was a massive help to me whilst tackling the banks. People were extremely helpful with hints, tips and advice and Im extremely greatful for the help and support I received.

So thankyou all at Penalty Charges.co.uk for making this victory happen.

Added: 1 Jan 1970

tracey breeze
I sent off my first letter to TSB on March 22nd 07 - got the standard reply 'blah,blah,blah'. Then sent two more letters that were completely ignored! Finally on the 24th May 07 I sent quite a well worded letter advising them not to ignore me for a 3rd time - today 1st June 07 I got a letter of full and final settlement for £596.00!!! Orginal claim was for £700.00 so I'm delighted and am accepting this. Can go and book my holiday flights now! HURRAH!!!! My advise - just keep pestering them.

Added: 1 Jan 1970

Leanne Coleman
I first heard about penalty charges through a friend who had won a claim of £600. I thought i'd give it a go despite being very sceptical I thought it was worth a try. SO, I wrote to my bank requesting my last 6 years statements, i recieved these a couple of weeks later and spent the evening addding them up. I was shocked when they totalled up to £1347. This infuriated me and I felt robbed. I sent of the 14 day letter and promptly recieved a response saying they would carry out some investigations, i then sent another letter stating that I would give them a further 7 days as goodwill. 10 days later, still nothing. So I decided to call them - I was informed that the FSA allow the banks 8 weeks to give a full response, so I gave them the benefit of the doubt. Needless to say on the very last day of the 8 weeks I recieved a letter which said whilst we think we would win the case in court, we don't not have the time or resources and therefore would offer me £1145. I have accepted the offer and I am very pleased that I stuck it out. Thank You to Penalty Charges for all of the advice and letter templates.

Added: 1 Jan 1970

Craig
Today the 23/05/07 I have just received FULL refund of charges to the value of £3775 strange thing is i was only sueing for £2425

Added: 1 Jan 1970

Sarah Mosley
I started in Feb 2007 and sent the Letter before action as I already had all my statements. I took them to court and finally today 22/05/07 I got a letter saying they are going to give me all my money back including interest! £3582.57 What a result!!
My advice to anyone who is thinking about it, DO IT its so easy and there is alot of support on this site to keep you going even when you feel like things arent going to work out.


Added: 1 Jan 1970

Jessica Peacey
Took out a graduate loan and wasn't told payments were from a parallel current account. Transferred loan installment every month directly to the loan. But charges accrued on current account!! Never signed to allow S/O to be set up on current account. Wrote to bank on 2 occasions, only received one letter back. Went to Financial Ombudsman, and received full settlement within 6 weeks!

Added: 1 Jan 1970

Sarah
Hello! I have banked with Smile (the Co-op's internet bank) for around 5 years. They have charged me outrageously for the slightest thing continually. Fed up, I asked them for all of my charges and requested a refund. Within a week or so I had a letter confirming that they were refunding the ENTIRE AMOUNT requested, plus charges they had applied since my request! £903! Result! Hope everyone else is as lucky.

Added: 1 Jan 1970

mick
due to have a baby in septemeber, cousin who is a moderator on the site, mithered me to claim my charges back. didnt believe that it would work. well it does. im now £380.00 better off. started the process by sending the dpa/sar on the 14th may 07, got paid in full with interest and costs on 26th july 07.

Added: 1 Jan 1970

Daniel Owen
Started in December 2006

Settled for £1106 (no interest) in may 2007

Would have probably got interest, but had a slight cashflow issue :)

Added: 1 Jan 1970

Matt & Trudi Gibbons
We started the whole process in March 2007 and were claiming £1130 plus interest. We went as far as claiming via Moneyclaim, which they acknowledged but then on May 18th we receive a letter to say that they would reimburse us the full amount plus interest and court costs. Our account was credited the same day!

Added: 1 Jan 1970

Babyann
I can't believe how amazingly supportive and brilliant this website is! After 1, 40 day letter and a phone call to the bank asking them whether they had received it, which I suggest everyone does as they have a tendency (recorded delivery or not) to say they haven't received it and that it must be in the system somewhere, followed on by a standard 14 day letter, I received a letter from the Natwest with the standard response that everyone talks about on this site, claiming that the bank felt they were well within their right to charge...I turned to the second page with a 'However...as a gesture of goodwill...£228' Result!!

I'm really delighted. I appreciate that this is a very small amount compared to a lot of other people out there, but if anything it has given me the confidence to challenge the banks, knowing that I have support and the law on my side.

I am also currently awaiting a claim with HSBC for £1500, Barclaycard for £300 and Capital One for £52.

Reagrdless of some of these small amounts, I still feel that it is my duty to claim them all back, for all those years as a student when I was at their mercy.

Remember, if you don't ask, you don't get!!





Added: 1 Jan 1970

Ian Morgan
Like many people I have been concerned by the recent news stories describing how Banks seem to have be getting the upper hand in some of the charges argument. As I was mid-process in challenging my charges I had begun to think I should have acted earlier but, no need !! My wife just rang to say that our Bank have offered the full £617 requested-- without even getting near the Court!

Added: 1 Jan 1970

caroline
i had never even heard about this until my boss at work told me about it. i remembered a few years back that i went a bit mad with the check book when i split with my partner. i didnt even think i would have been charged that much!!

i sent away my £10 postal order and within 10 days i had all my statements. i went through them all and the charges totaled up to £370!! so i went ahead and sent out the letter saying i wanted this money back, after a few weeks i called them as i had heard nothing, they informed me that they had up to 8 weeks to issue my an offer letter by law. anyhow today was 3 days after 8 weeks was up so i called and they said an offer had been sent out, low and behold there it was in my post box they had agreed to give me the full amount back which is great but god only knows how long it will take them to put it into my account!!!!

Added: 1 Jan 1970

Matthew Benham
Dead on 56 days from the bank receiving my claim, I have finally received a full offer in the post for £1413.

I suspected Natwest would wait until their 56 day limit due to the fact that the customer relations department told me after 30 days that may claim was to be settled in full, although they wouldn't tell me if or when the offer had been sent.

My advice: If you make a claim with Natwest, call the customer relations department for a decision but be prepared to give them the full 56 days before taking court action. Don't expect any correspondence until then - my offer letter was the only letter I received from Natwest.

Added: 1 Jan 1970

Anne McDermott
Wrote the first letter to Barclaycard claiming charges. Didnt have statements so thought I would have a go anyway and hazarded a guess at 280 (I had an idea of how much in charges due to when the acct got into a mess!)They replied after 10 days with a goodwill gesture offer of £250!! Needless to say I am very happy with this - they didnt even argue!!

The state of this Old breitling replica is also impressive. At the bottom of the fake breitling watch case, including the strap angle, is essentially a housing of the transmitter electronics and two antennae (the top of the smaller is to enhance the signal). High quality Breitling Replica for men.

Added: 1 Jan 1970

G Clifton
I read these stories and was quite scepital but thought what the hell. I called my bank and requested 6 years of statements, 4 weeks last i received the statements. After trawling through them i found i was charged £1675 during this period. I followed the templates and sent the 14 day letter to the Bank. I received a letter about 2 days before the end of the 14 days, stating they have received my complaint and wont be able to respond in the time period and will take about 4-6 weeks to respond. This letter was dated 10th May 2007, i was too lazy to take it to the small claims court, and on the 1st June i received another letter with an offer for £1200 as a settlement figure. As its about 75% of the claim i have decided to take it. I am now starting claims with other accounts. Free money its great, dont be put off by the delay tac tics

Added: 1 Jan 1970

Christine Mitchell
Having educated myself from your website, I wrote my own letter claiming all charges over the last 6 years, not expecting much. I have, after the '8 weeks' so called requirement for their investigations, received a long letter apologetically explaining why the charges were correct and legal. They say they are sorry that they cannot revert the charges in my favour but as a good will gesture they will refund £140 within the next 10 days into one of my accounts. This is all I was claiming although I never mentioned a figure. It was this particular account causing offence! How sad to protest too much and finish with a complete climb down.
Keep going guys! You will get your money back. I am a pensioner doing very nicely without my bank account being rifled. When my money arrives, I will donate a tenner to this site and once again thanks.
Yours very grateful
Chris

Added: 1 Jan 1970

Amanda (Brother's claim)
Well just want to say big thanx to everyone for help/advice from this site as after starting my claim on abbey which is still ongoin I also started helping friends/family to make claims:
2 against Barclays - ongoing
2 against Lloyds - ongoing
1 against Northern Rock - ongoing
1 against Halifax - WON

Helped brother put claim into halifax on 04/03/07 for £6245.00
Claimed submitted online on 22/03/07
Halifax wrote/offered settlement on 16/04/07 of £6941.83
Money received in account on 18/04/07
Letter informing courts/halifax accepting offer sent on 23/04/07


Added: 1 Jan 1970

Lisa Duffield
14 day letter sent 06.01.07 (Estimated Charges)

Letter Recieved from Abbey saying they would look into my complaint and could take upto 4 weeks!

Filed on MCOL

Abbey filed defence but offered no settlement

Received £290 as "gesture of good will"

End of March received all statements and sent letter to court informing them of new figure.

Received court date for 14 June

Rang Abbey and asked them for settlement, they offered £4200 but got them up to £4500

Money cleared my bank about 2 weeks later on 15.05.07

4 months in total and not had any paperwork for me to sign yet re settlement and no request to shut account?!

Added: 1 Jan 1970

Jemma Ellison
After hearing the stories on the TV about the success stories I decided to have a look at the website for myself and put a claim in. Although at times the bank gave me several varying stories as to why I had not recieved any correspondance I finally got my offer letter on Friday for the full amount of my claim. It's not a quick process and at times can become infurraiting, but persistance pays off. My advice would be to keep a log of every call and letter you make, including dates, people etc etc. On one occasion I was told my offer was in the post, to then be told a week later they had sent me copies of my statements again as they had lost my original letter! The key is to stay calm but be firm, remember who's money it really is!

Added: 1 Jan 1970

Hargreaves
My story..........

It was all about timing! I was cursing my bank after a wage error from my employers had resulted in my wages going in 1 day later than usual and i was hit for ELEVEN charges for insufficient funds for DD's set up to go out (Totalling £330). I met with my 'Bank Manager' and aghreed that this was not the banks fault and that could they look at reducing this total(i offrred to happily pay £150). I explained that this would snowball the next month as i would not be able to pay all my DD's again and would be hit with further charges (of which i was!). The bank manager never bothered to return any of my calls and just when i was at the end of my tether a friend sent me a link to this website. I was offered £300 goodwill gesture for a total of £1200 i was claiming back over 3 years. I said no. They sent 2 stalling letters to every one of mine each saying they needed four further weeks to investigate my complaint. I phoned them to say if they wanted to investigate they could have simply called me which they declined to do the entire process. I ended up calling them and found that after eight weeks from the original letter you send them you can demand they issue a final offer to settle or threaten to take them to court. No response again afetr i gave them 2 weeks so i went onto moneyglaim.gov.uk and started small claims court proceedings. Within 7 days they had settled in full! In total i calimed back £1280.

Added: 1 Jan 1970

M Harvey
After reading this web site I contacted Barclays with the standard letter. I provided them with my statements for the previous 6 years showing all charges incurred and I initially wanted just under £4000 including interest. After 4 weeks I received an offer of £2475 which I have accepted.

Added: 1 Jan 1970

Pete C
I used the template letters and calculator from your site and found it all incredibly straight-forward. Send initial letter requesting statements and got them no problem. Then sent request for refund. Received a letter back within a week saying they would look into it. Waited 14 days and heard nothing so then sent legal letter from site saying I would take them to court. I said I would wait 14 days for a response. About one month later, today, I received an offer for £882.90, 95% of the amount requested. I am completely indebted to penaltycharges.co.uk and would recommend anyone giving it a go, especially with HSBC. They said that they would win if it went to court but didn't want the hassle basically.

Added: 1 Jan 1970

Emma
Hi I wrote my first letter in Jan after I had seen the money programme on bank charges, I got the standard apology, and to be honest I was put off. I left it for a bit and the charges taken from my account started to get silly so I decided to try again, and got the financial ombudsman involved. From this I received an offer of £750 as 'goodwill gesture' but refused as they owe £5000 (even though I really needed the money). However, the bank paid in the £750 into my account, and now I have started court proceedings, it’s a bit scary but I have informed the bank that I will appear in court if needs be and will not back down, as I have no incentive not to. The bank has taken these charges and left people like me in an impossible financial position, applying charges for charges. Don't loose faith, its worth the fight, but you have to be patient.

Added: 1 Jan 1970

A
After suffering the extortionate fees imposed by First Direct - last year they even slapped a £50 overdraft fine on me on Boxing Day when there was no way I could go into an HSBC branch to make a deposit - I finally decided to do something about it and have just had an offer to settle for £2150 which is a 95% refund of my fees-thanks for all the help and sticking up for 'the little guy'!!

Added: 1 Jan 1970

david
claim money back off the banks!!!!!!!!!!! i just got £1192.38 refunded and another £800 in another account, and £300 in my wifes bank,paying for good holiday this summer!!!! yay

Added: 1 Jan 1970

Tracy
Hi.
After all the media coverage I thought why not give it a go(not holding out much hope). I started the ball rolling on the 22nd of Feb 07 and sent for my back statments. 3 weeks later over 2 days I had 30 envelopes drop through my letter box. Sent 14 day letter on the 22nd March. Recieved letter back saying they would look into the matter then nothing for weeks, as a single parent i dithered as what to do next as i did not have the cash up front to file a court claim. So on May 1st sent 7 day good will letter. On may 3rd I got letter from bank saying they had not received any reply from me for a letter dated on April 18th. ????????? I thought whats going on here so phoned them on may 10th.Talked with a girl who was very polite and helpfull. She explained they had sent an offer but would look into it for me and resend. So waited again ZZZzzzzz
ZZZZzzzz. Still nothing for another 2 weeks so phoned again on 25th, talked to another lady who was not so helpfull( she did say that it was resent that morning and put me on hold so she could have a word with her supervisor) ended up getting cut of because credit ran out on mobile). Phoned again on 29th and talked to a chap who was realy polite and confirmed offer had been resent and i should hear by the weekend. Did not hear any thing all week and thought they are just fobbing me of. Went and done my normal things on Sat, you know shopping, paying bills ect. However when I got home on my doormat was letter from bank with offer for £2,500.00 I signed excepting offer and sent back today. (all my letters and phone calls were through Service management team, in leeds)

Added: 1 Jan 1970

Denise
I started my claim in February.

Ordered my statements over the phone, they came within the week and my £5 charge was taken from my account.

I followed the procedure on moneysavingexpert at first, then two letters from here.

Put in a smalls claims hearing via moneyclaim (£120 as my claim was over £500) they acknowledged the claim, which then gave them a further 4 weeks to defend, before this 4 weeks was over, they settled without admitting liability.

RESULT - Full settlement £2907 (which included interest and court costs)

Feel free to contact me if i can offer any help xx

Added: 1 Jan 1970

Andy W
I used HSBC's online banking system to find all of my charges for the last 6 years and sent the standard letter claiming for £1590 on 27/03/07. I got a letter back a week or two later advising that they had received my claim and would respond within 40 days.
Today (05/06/07) I have received a letter stating that they believe their charges are fair and lawful (yeah, whatever), but are willing to credit my account with £1498.50, which includes £75 that I got slapped with shortly after sending in the original claim.
I'd like to thank HSBC, but I won't as it was my money to start with !!

Added: 1 Jan 1970

Mike
My claim for charges during the last six years was for just over £1000. I asked the Bank for six years statements, they arrived within the week, it then took me 2 hours to go through and identify all the charges. I used the BBC letter and sent in my claim, two weeks later I got my money back. They did ask me to sign a document saying this would be my one and only claim, I wrote back and said I reserved the right to claim further. I have had no problems with the bank since claiming back these penalty charges.

Added: 1 Jan 1970

John
I had a potential claim of £1100+interest with the MBNA. I used your templates, got the statements back, then went straight for it, initial offer of £480! Wrote back to them, stating that I thought their offer inadequate using the 14 day letter, gave them 3 weeks (no reply), then sent a 1 week extension prior to court action.Yesterday had a £1000 offer, which I will be accepting. Now I'm going to do the same with The GM card, my other MBNA account, and then the TSB...... I will keep you informed!

Added: 1 Jan 1970

Georgia Poole
Like most I was worried about sending off the letter template, how could I can take on my own bank!! I didn't send off for bank statements I just sent off the letter with a estimate that my bank owed me around £4000, I was quite alarmed but thought that oh well what have I got to lose, I sent my letter recorded delivery as advised on the 02.04.07 and sat back and waited, 2 weeks letter I recieved a letter from the bank advising me that they where looking into the claim and would contact me within eight weeks, I carried on banking as normal with no problems or any anomosity with the bank.

On 01.06.07 I recieved a 3 page letter from my bank refusing to accept any liability and that the bank offered me a free service and basically that they have a right to take funds if I go overdrawn!however, as a gesture of goodwill they would like to offer me £3238 as long as I do not take the matter further, Result!!!

If you are considering reclaiming your charges go for it but be quick I have a feeling there will be a change in banking laws.

Thanks to everyone who has shared thier stories with the site as without them I wouldn't have had the courage to take my bank on!



Added: 1 Jan 1970

Jeannette
Just a quickie. No problem getting back £896.00 from RBS. Obviously they felt obliged to send me a snotty letter but who cares!

Added: 1 Jan 1970

gordon cunningham
it has taken me roughly two months and two letters to recieve a formal offer of £1279.77 from the rbs. there was a lot of blah blah blah on the offer, however i was offered this as a goodwill gesture which i readily accepted ( thanks penaltycharges)

Added: 1 Jan 1970

GowerGal
If you read my thread "Go Get 'Em Gal" you will see that I have been having problems with my account since losing my business and being off work from stress for nearly a year.

Anyway, started my claim against MBNA using standard letters from this site. At first I was offered just £437. I rejected this as my charges actually came to £1007.50.

I then had a second offer for the remaining £570.50.

Now as I had been pushing for CI on this account too (out of principle because I had been paying them interest on my balnce all these years and it was their charges that had put me in debt anyway, so it seemed only fair!), I wrote and told them that I fully intended continuing with my claim, but as a gesture of my goodwill, I would halt legal proceedings if they paid me the CI that was owed too.

Surprise, surprise, this morning I got a letter offering me the whole lot!!

I couldn't have done it without the help of the members of the site, and one in particular who knows who he is!!

A HUGE thanks! That's 2 big wins now - onwards and upwards I say!!

Added: 1 Jan 1970

Alex
All I can say is, God Bless www.Penaltycharges.co.uk
I used the guide on this site and requested the last 6 years of statements. After about 3hours of trawling through them all I totaled up my claim value to £1200. I sent the letter off to the bank to claim this back and the very next day i recieved a letter from my bank offering me 85% of the charges back. I know its not the 90% you recommend but I have accepted the cliam and am now just awaiting the funds to be transfered to my account.
anyone who's thinking about doing this, dont hesistate and get your claims in before the law changes!
thanks again and good luck to everyone else!

Added: 1 Jan 1970

Russell Blake
In Dec 2006 I saw the story on tv about claiming your bank charges back i searched on the internet for some help and came up with this site .
I asked my bank to send me the last 6 years bank statements which they did 2nd class ,
I added together all the charges which came to £1035 iused the letter guide to ask for the money back , after approx 2 weeks they sent me a letter saying that although they didn't agree tht the charges were a penalty they would like to offer me £450 , we aggonised over this as we could do with the money but we stayed firm and said no.
We applied online to the small claims court at Northampton adding the interest for the last 6 years. Checking the progress each day, as the 14 days grew closer we thought they might pay up , but at the last min they put up a defence this was a blow as we thought we were going to be the only ones to go all the way, I went to Norwich county court a month later to pay my £100 to defend the claim and again waited after chasing the court i finally got a letter from the court with a court date again we thought we would be the only people to go all the way But on Sat 2nd June 2007 6 months after starting we got a letter from Barclays offering us full settlement this we did £2135 was recovered .
Never let anyone tell you to stop it will come just keep going .

Added: 1 Jan 1970

Jason
I had been charged £5,734 over the last 6 years by Natwest for a range of different things, from going over my overdraft limit, having Direct debits paid and then being charged for it etc etc. I didn't have all of my Bank Statements going back for that time, so I asked the bank to provide my bank statements using the Data Protections Data disclosure letter, then once I had them, I noted down all of the charges in an Excel Spreadsheet with the amount, dates and reasons and I then sent the bank the 14 day letter by registered post asking for £5,734 back in charges. I received a letter from the bank saying that they were reviewing my case about 5 days after that and then after about a month (I was just getting ready to file a claim with a court) I received a letter saying that they would refund all charges (£5,734) as a gesture of goodwill.

So a Great result - Thanks for the advice Penaltycharges!!!

Added: 1 Jan 1970

James
I claimed £1,204.37 against HSBC and they have come back with an offer of £1,066.00 which I have accepted thanks to your help and advice on this site. Please add this to the recovered money total.
Thanks again.

Added: 1 Jan 1970

Siobhan
Received my letter yesterday, they are refunding me £371. Good news!

HSBC have been hugely unhelpful in this process and have lied repeatedly but perseverance is the key. A girl on their complaints team told me they have hired individuals at the bank to solely deal with the bank charges complaints.

This website has been fantastic, thank you

Added: 1 Jan 1970

Dave
I first came acroos this website out of curiosity, and decided to enquire how much in charges I had accrued.
It came to about £2500 over the six years, one which stood out was a £39 charge for bouncing a payment of just £3.90! I decided to download the letter templates from the site, and sent them off. I received a letter from Halifax stating they were looking into it, and eventually they said they couldn't see there was a problem and declined my claim.
I then re-visited penaltycharges, and followed the guide to court action, this was completed on-line, and the bak responded saying they would defend. This morning i checked the bank on-line, and they have refunded every penny. My original claim plus 8% plus the court claim fee all told it amounted to £2692.58.
Thanks very much for the advice, and good luck to anyone wishing to reclaim there charges.

Added: 1 Jan 1970

aza
Well i have to say a huge thankyou to this site. I sent my letter for a refund to Halifax for 720.00. They wrote back to me to say they would investigate and contact me. Within 2 weeks I had an offer of 530.00 to which I declined. I told them that the charges added upto 759.00 as I received another 39.00 charge in between all this and if i was not paid I would take them to court with the 8% charge onto. Within the post i received a offer of 759.00 in full and final settlement and of course i accepted! I am now taking TSB and Nationwide bank to court for non payment, wish me luck.

Added: 1 Jan 1970

Emma
Requested six years statements in late Feb, didn't have any response within 2/3 weeks so telephoned them. They advised me that they had not rec'd my letter,Typical !
Sent letter second time recorded and then rec'd a letter from them saying they had 8 weeks to reply to my complaint. Finally rec'd one set of statements out of three accounts that I was claiming for. So telephoned them again and finally after a lot of messing around they sent through just a list of my charges.
The First letter I rec'd from them was to say that I signed up to the terms and conditions blah blah blah. So I sent another letter back giving them 14 days to refund or I will take them to court. On day 15 I still hadn't heard anything so filed in court online. Two days later got a letter to say that a gesture of good will they agree to pay 50% of my six year charges. I telephoned them and said that I would not accept half, I want full amount plus interest.
He agreed to pay all my charges but he couldn't authorise the interst on top. I accepted as I am about to move house and the 4K I got back would come in useful for new things.
Also I would like to point out that years ago I was struggling financially, bringing up two children by myself and working full time. Having huge bank charges escalated from debt into a much worse debt. I was an emotional wreck and I am gald to say that it feels really good fighting and winning! Good luck to everyone !

Added: 1 Jan 1970

mark
rang abbey after 5 months and they settled for 3900 which im totally happy about, onto my next claim with them

Added: 1 Jan 1970

Bigcammy
I had a joint account with the Ulster Bank which was closed after my marriage broke down. I simply had to follow the advice on this site, get my e-wife to sign each letter I sent (that was fun!) and after the Ulster Bank initially rejected my claim I took them to court via the small claims online system and they settled in full 9 days later.

It really couldn't be easier!

Added: 1 Jan 1970

Gareth Duke
I have recently claimed back my bank charges on my Natwest account for the past six years which amounted to £4,500. All it took was 2 letters and a phone call. I can't believe it was that easy.

Unfortunately now Natwest have asked for my cards and cheque books back and basically disregarded me as a customer after nearly 18 years of banking with them. Now they're even putting pressure on my partner and her account saying they will take money from her account to pay off a loan in my name. I feel a letter to the banking ombudsman coming I think.

Don't get me wrong, I’m ecstatic about receiving such a sum of money but it does seem that banks throw their toys out of their prams if you get one up on them. Oh well such is life. I'm off to spend some serious cash. All thanks to this website.


Added: 1 Jan 1970

Richard
I started a claim against Barclays bank back in January. I sent off for my 6 years statements and eventually got them. My charges amounted to £1330. I sent off the 14 day letter and received a compensatory offer of £995. I decided i wanted the whole amount so began court proceddings. Barclays chose to issue a defence so we were going to court. We waited a long time for a court date but eventually got one for the 28th June. However I came home from work today (15/06) to find a letter offering me the full amount including court fees and interest totaling £1683.51.
Its been a long slog and Barclays have really dragged it out. I did get worried at one point about the court procedings and I did find that bit of the process a little confusing. I just rang the court house and they talked me through the forms. My advice is if you want an easy time with it take their first offer but if you have the time hold out for the full amount.

Added: 1 Jan 1970

D ward
Lloyds charged me £140 in bank charges for one Direct Debit that they did'nt pay anyway. Wrote to them 3 times informimg then that I was taking court action and they paid up

Added: 1 Jan 1970

Advent
Claimed just over 3200
Sent chq and asked for list of default charges in March. Followed up with Martin Lewis template letter asking for charges backfollowed by 2nd letter asking again and threatening court action. Filed with MCOL.Served+acknowledged 18/5/07 Received chq for total amount incl 8% interest and court fees on 28th day. NEVER GIVE UP. Fight for what is yours.Thanks for support.

Added: 1 Jan 1970

Yvette Goodman
I thought I would tell you my story as there does not seem to be many for A&L.

I was claiming £1200, and got back £572. I wrote to them back in mid April 2007, and followed with several letters, and kept getting fob off letters. I then phoned the Service Centre and said that they have got one week and I will be taking it to court, within 2 weeks got an offer, saying that they would only refund the 'Bouncing' fee and not overdrawn fee, and that they would not close the account.

I was quite happy with this, as got several accounts with them and did not want the bother of changing.

I am still in the process of chasing Barlcays, and will take this all the way as it is a bigger claim and no longer bank with them, so nothing to lose!!

Good Luck

Added: 1 Jan 1970

Simon Wilson
Although I had to eventually go through the FSO my bank settled in full approximately £600.

Took a while and a few letters for them to acknowledge me though.

Added: 1 Jan 1970

Kathy
Filed against the Halifax 23rd May who defended the claim but paid in full £1300 19 June. Thanks to this site the advice and support given was superb!

Added: 1 Jan 1970

Clare Bradford
Just thought I would give all Lloyds TSB customers trying to claim back charges a bit of a boost. I followed all the advice on the web site (but must admit I lost my nerve a bit and instructed a firm of solicitors to do the last part for me.) It has been a long haul but dixon, raven & marsdens solicitors of Leyland near Preston have been successful in recovering a sum in excess of £6,000 for me following proceedings issued against LLoyds TSB.
They were able to secure a judgement for me and were successful in enforceing the same following the instruction of certified bailiffs who attended Gresham Street registered office today to enforce a warrant of execution and secured an immediate payment by cheque for me.
Just looking forward to receiving it soon and hope it encourages more Lloyds TSB customers to keep going. You do feel it will never end but it does and it is worth it.


Added: 1 Jan 1970

Steve
After being made redundant 2 weeks before Christmas 2005 I took a job at half the salary which caused me to struggle financially.Was refused an extension to the current overdraft which caused me to incurr £90 in bank charges. Being a loyal customer for over 20 years incensed me greatly. Then saw the money program and followed the advice and filed at court.Got twitchy after the Kevin Berwick case but read the success stories on this site for reassurance.Had letter from Lloyds solicitors with offer if I stop action.The money has just gone in. Did have doubts and questioned myself after several recent news stories but stuck at it.Paulski is dead right, be brave and you get YOUR money back.

Added: 1 Jan 1970

Richard Gunter
I made a claim for £595.00 in excess bank charges in Feb 2007. After having to go right through the process up to and including having a court date booked in August the Bank has capitulated and just paid £772.72 in charges and interest. I initially used your pro-forma letters to register the calim. Thank you for your campaign.

Added: 1 Jan 1970

Michelle
I got in a right old mess with my current account, every month I would be over my overdraft limit due to bank charges - this resulted in more charges. I couldnt see a way out of this -that is, of course until I found this wonderful website. With help and support here I managed to get back nearly 4k from the Halifax. Its easy once you get going and there is always someone to help with questions. Thanks to all at Penaltycharges!! If your considering doing it - your in the right place! Michelle x

Added: 1 Jan 1970

Craig McGinnies
Would just like to say a huge thank you to this site and those working on it because without your help I wouldn't have had the success I've had. When I first found about reclaiming bank charges I thought it was a waste of time, but after reading through the guides I thought what the hell, for the cost of a letter recorded delivery it is worth a shot.
I printed out all my statement from the internet banking for the last 6 years and couldn't believe it when it totalled £3960. I printed off the 14 day letter and posted it to my branch on 23rd April 2007. Three days later i got a standard letter saying that the charges were all correct and above board but they would look into it and they had 8 weeks to respond. I recieved a letter this tuesday, 19th July 2007, which was the last day of the 8 weeks funny enough, saying that while they believe the charges fair and if it went to court they would win, to save costs they offered me £3245 settlement. I have accepted this and should have the money in the next 2 weeks.
I would tell anyone thinking of doing this to go for it, because even though you may have to wait a few months, you will always be paid out and now I have over £3000 which I've not really missed over the 6 years. Thank you Penaltycharges.co.uk.

Added: 1 Jan 1970

Vicki
I downloaded your letter, the bank took 40+ days to reply so i sent another letter, finally got my statements, worked out what was owed (let them off the interest!) and sent a letter asking for it!!

they sent me a horrible letter saying i had got it worng and the oft stuff was to do with default charges and i was asking for overdraft charges to be refunded!! silly silly me, my boyf wanted me to stop the claim and i said they are just feeding us rubbish and using scare tactics, so I rang on the friday and gave them hell for sounding such a bull sh~t letter, I received a letter on the FOLLOWING Monday saying they were paying £382.00 into my account (i had only asked for £390) AND a second letter offering £65 for my joint account where i wasnt even aware i had been charged so i didnt claim for this account, so i got about £60 more than i claimed- yippee!!!

Added: 1 Jan 1970

Norma
Dear Penalty Charges.
After visiting your site in Jan 07, i decided to challenge capital One over charges against my credit card,Using your advice and your templates i issued a notice through the small claims court (31 05 07).After having been harassed by capital One and their legal service " debitas" ( 5 calls a day ).I have recived a letter to say that all charges that i have claimed for now have been cleared and a cheque for £654. will be sent in the next 14 days.
Please accept my thanks for all yor help. Lets hope the MFT agrees with us.

GOOD LUCK EVERYONE
(DLBBY)
nORMA.

Added: 1 Jan 1970

Daniel
Just thought I would update you with how I got on with claiming my bank charges from Natwest. Well, I got the full £1,778 that I requested - all in all its taken around 2 and a half months from start to finish. Got the standard letter from Natwest, stating that they agree with the charges blah, blah, but as a goodwill gesture they would credit me the full amount. So pleased I made a claim - to anyone out there thinking about doing it - Go for it, its well worth it!

Added: 1 Jan 1970

Lisa
Having watched the BBC programme earlier in the year informing us of how rich the banks are becoming, I thought I would try and get some money back! Having asked for my statements from the Halifax in February, Ive only just been weighed out with the reddies, as they took so long to cough up. It was worth it in the end, I netted over £1200, but the Halifax are slow to give you money, but when they want you to give them money, you have to do it in super quick time. I would tell everyone, just keep going, they will always back down, so book that summer holiday youve always wanted to go on, I did !

Added: 1 Jan 1970

Phil
After years of penalty charges being applied to my account, and being rejected for a Barclayloan to help my situation a few years ago I've just been refunded a total of £2,310 from Barclays.

So i've now broken free from the circle of debt thanks to this site!

Barclays only really started to play ball once I'd sent them a few of my own strongly worded letters, and upon mentioning that I was starting legal proceedings they agreed to pay up, after sending me a few letters trying to stall the process. Get tough with the banks!

Added: 1 Jan 1970

Greg
After claiming an orginal (incorrect) amount of £600 I reworked figures and claimed £385 which was settled in full after 8 weeks!

Added: 1 Jan 1970

Simon
Hello everyone,

I just wanted to update you on my success...

Today I had transferred back £1,738.00 - the exact amount I claimed for.

Now, this happened once I forwarded my Letter Before Action.

I hadn't received a reply of anykind back from the bank having waiting a month (I decided to give them plenty of time to respond over and above the 14 days - and I didn't really want to go to court, but ofcourse I was prepared to do so)

Anyway, I suddenly in the space of two days received three letters of offer from the bank to my correct home address but for "differing" amounts AND addressed to 3 different people!!

Now these 3 amounts were actually substantial i.e over £5,000 so I thought that it was a) very strange they came to my address but b) good news as it looked like there'd be no problem with my smaller claim!

I left it a few days, waited for my letter to arrive - it didn't - so I picked up the phone and called Natwest....

VERY INTERESTING conversation with the very nice lady who answered...

Firstly, she apologised for what had happened with the mix up of letters...(I sort of had them by the short and curlies there!) - I mean, their mail merge software must have crashed!

Secondly, she confirmed that the bank were dealing with enormous amounts of claims and infact my letter had already been sent out, but because of the backlog would be slightly delayed in arriving...

Also, confirmed was that the bank aren't even querying amounts due to high numbers of claims and all are just being settled as quickly as possible...this is infact true as I believe in my claim I had included the Advantage Gold service fee of £9 over the period...

Sure enough a couple of days later my letter, dated as she had said duely arrived...

So, get your claims sent in, no excuses - send that Leter Before Action then sit tight a while before making a telephone call - the ladies there can bring up your details in an instant and tell you your status...

All the best!!

Added: 1 Jan 1970

Diane Leach
I have been a single mother since 1987, receiving no financial help from my ex husband. I have always worked - sometimes 2 jobs at once and struggled to own my own home and give my son everything he needs. The Halifax would never help me in anyway - I have been in tears on the phone to them before begging to have my overdraft limit increased and they just wouldn't offer any sort of help or advice - they just kept adding the £30.00 charges onto my ever increasing debt. I was very shocked when I (finally!!) received my statements that they had taken £4337.00 from my account in last 6 years. I found this website, took a deep breath and decided to go for it! My first letter went to the Halifax on 12 March and I received a full refund on 26 June. When I received notification from the courts last week that the Halifax had advised of their notice to defend I did have a couple of wobbly moments, but kept reading all the comments on this site and hung on - and boy was it worth it!! So my advice is - go for it, don't give up and don't worry - you will win. Good luck to everyone who is still going through the process and thank you so much to everyone for your support.


Added: 1 Jan 1970

helen
i sent off a copy of your letter requesting £1235 in charges be refunded, barclays wrote back saying they would investigate my complaint & it would take 8 weeks i wrote again & said they could have the additional time but if at the end of it i hadnt had my money back i would then start court procedings, just before the 8 weeks was up they wrote to me & have offered my £925 as a 'gesture of goodwill & is in no way an admission that their charges are unfair'im going to take the offer of £925.

Added: 1 Jan 1970

John
I have had many an argument with my bank manager over excessive bank charges and was continually fobbed off with the line, "Its not down to me it's head office, I can do nothing." I felt helpless as I watched the money drain from my account putting me even more overdrawn and incurring more charges. I write a cheque when funds are available but it isn't cashed until the day before my salary goes in and I get hit with a £38 charge for exceeding my overdraft limit. Then I get charged another £38 for a letter sent to me about this cheque, even though my salary is in to cover it the next day? The hole gets deeper and deeper until my daughter showed me this website. I thought, 'It's my hard earned money they have taken and now it is payback time.' I followed the advice on this website and won back all my charges plus interest totalling an astounding sum in excess of £8000. I retired 3 yrs ago and have not been incurring charges since so this £8000 is charges for 3 yrs only. That works out at over £2660 per year which is a scandal when I was never overdrawn by more than £100, yet I was paying excessive charges for every single transaction made once I went 1p over my limit. I must admit I got a great deal of satisfaction from being a winner against the bank and getting my money plus interest back.

Added: 1 Jan 1970

Craig Patrick
I used the templates of this site and sent them to HSBC as instructed.I received the standard letter saying they would look into it etc and would get back to me ith an answer.

I decided to leave it and see what they came back with rather than going through the court way and roughly about 6 weeks after the intial contact I recieved n offer of £1070 which I acceptted.

Many thanks to this site and its members.



Added: 1 Jan 1970

Gordon
I ussued them with a DPA letter, they responded within the 40 days, i sent them a 14 day refund letter and they asked for more time, i was asking for £2,540.00 inclusive of the 8% interest, they offered £1,875.00 and we have accepted and they have settled in full.
many thanks to this site and the team, keep up the good work guys.
Gordon.

Added: 1 Jan 1970

Max Naughton
Charges of approx £1919, plus interest.

Got a $£750 gesture of goodwill from the blackhorse.

Currently going through the FOS for the remaining bit, failing whcih will just litigate.

Now have 5 credit card claims ongoing.

Max

Added: 1 Jan 1970

James
I just wanted to say thank you to Stephen for doing everything that he has done and this website. I requested statements for the last 6 years from Cahoot which I had back in March and today I have had a cheque for over £1000. Interestingly Cahoot did not deal with the claim and it was the parent Company Abby that sent correspondence stating nothing about bank charges, just that they were sorry to hear I was dissatisfied, they continued to send letters over some 8 weeks by which time I had taken them to court. They did nothing and so I claimed by default. Thanks.


Added: 1 Jan 1970

Steve
After reading your site I applied to HSBC for an approx refund of £890. The bank wrote back fairly quickly asking for further details and after checking I actually realised that the charges amounted to £2100 so I submitted a claim. I have just received a refund 0f £1903.15 (Without prejudice) The bank did say that they thought the charges were legal but were mindful of the management time etc and so paid up.

Added: 1 Jan 1970

andrea best
Asked for 6 years bank statments of the Halifax which they sent, each one in a seperate envelope, think they were being funny, anyway I was appauled to find out that over six years I had two thousand pounds worth of charges, down loaded the template letters of Martins Money Tips got the usual flog off letters back saying they would get back to me extra then one saying they were justfied went to the money claim on line paid the £120 costs, Halifax decided to defend which did slightly worry me they had 28 dsys from 1st June to get their defence in,nothing arrived from the courts for their defence, two days before judgement day I had a letter from the Halifax stating their charges are correct but would cost to much to defend etc and hey presto checked my bank account £2,789.57 credited. Im stunned, so all of you out there keep going even if they say they will defend you will win!!! Good Luck!!!

Added: 1 Jan 1970

David
Weve never had much luck with money and heard about this site on the radio. I thought i would put in a claim. I used the std letters and received my statements for the past 6 years, i then spent and hour highlighting the charges and producing a spreadsheet and sent it off asking for £2188.00. Five days later we received a letter offering us £1848.00, of course we accepted and 7 days later the money was in our account. Thank you very much, i will receommend this site to others in need.

Added: 1 Jan 1970

Sam Austin
Since Feb, I have been trying to claim back a small amount owed in penalty charges. Halifax have stalled at every possibly moment until I just checked my balance and the money was there. This was a week before the court session was due.

Tip

If you need your statements, don't write to the bank for them, go in to your branch in person and demand them. If I did that in the first place, I would have had my money two months ago.



Added: 1 Jan 1970

hays3103
I started my claim in November 2006. Abbey did all the usual things e.g. sstating that they wouldn't refund my charges etc. In December 06 they paid me £800. After serving court papers and havinga date set for 31st July 07 they settled paying me a further £9000. This was approx £1300 less than my total claim. However I had included all the monthly interest charges on the basis that if the charges hadn't been applied then the interest wouldn't have been as high each month.Therefore they should refund some of those costs. My tip is to negotiate but be firm and don't shift too far from your original request.
I am really chuffed as it has allowed me to settle some of the larger debts that I have had for quite sometime. This site has ben a godsend. I've encouraged so many people to start the process using this site for support. Hays

Added: 1 Jan 1970

Rufus
WOW! Thanks to this site I'm £4,700 better off! It took 3 months and was at times nerve wracking but I got there and I'm SO pleased I stuck with it. Bank ran it to the wire - was 24 hours off court hearing when their solicitors confirmed money had been deposited. Bank and their solicitors used the usual fobbing-off, delaying tactics and attempts to break my nerve, yet in the end the bank paid about £300 more than I claimed! They were sneaky though: solicitors wrote to me on Tue 24 July asking for more info (which they already had so I wrote back saying so). Before they could have got my letter (due to postal strike), they wrote making an offer(I got the offer letter on Mon 2 july, hearing date 5 July). I accepted the offer but said I wouldn't cancel court hearing until I knew the funds were in my account. To cut long story short, bank had put funds in the wrong account (an old, unused one of mine) ON THE 29th!! So they had put the money in BEFORE I accepted the offer ... AND it turned out the solicitors had written to the Court on 29th saying that the claim had been settled so to cancel the date - which the Court did - WITHOUT consulting me, the Claimant who had brought the action! ... just as well I accepted the settlement. Anyone out there who's wavering - please don't hesitate, go for it. I did consider giving up but I am SOOOO glad I didn't! THANK YOU Penalty Charges website, you're brilliant!

Added: 1 Jan 1970

Peter Greenwood
After reading about the bank charges scandal in various types of media, I found this site on the web. Looking through the site I found all the information I needed and sent off the 14-day letter supported by copies of the statements showing the charges.
I got two letters back from Lloyds TSB Customer Services (an oxymoron if ever there was one) stating that the charges were reasonable and I had agreed to them when I opened the account.
With no offer of settlement, I started the County Court claim and, very quickly, received confirmation that the bank would be opposing the claim.
Having seen reports of the recent case that Lloyds TSB were heralding as justification of their charges, I must confess hopes were not high as the hearing date approached (10 July).
Returning form holiday I was very suprised to find a letter (dated 26 June) from Lloyds TSB solicitors saying the ban would settle in full but this was "not to be treated in any way as an admission of liability" but was "merely an attempt to resolve the matter amicably". I don't really care as I have got my money back, plus interest.
Thank you for giving me the tools and the hope to get a refund on these unjust penalty charges.

Added: 1 Jan 1970

Pauline
Requested £2746.00 to be refunded, Hlaifax refused then agred to pay within 6 days which they didn't so took a judgement and the final amount of £2900.00 approx was eventually paid. But on closer inspection of my account several errors have now come to light. Written several letters but Halifax not answering. Next stop Ombudsman, which is deja vou as 15 years ago I took the Halifax Building society to the Ombudsman and won, here we go again.

Added: 1 Jan 1970

faye
after numerous letters and phone calls i finally got back most of my bank charges (they offered a allmost all of it so i took it) i got back £692. sucess!!!!!!!!

Added: 1 Jan 1970

Victoria
Claimed for £820. Sent an original letter which they did reply to after about two weeks. They refused to pay up and said I had agreed to the terms and conditions. So..sent another letter thanking them for replying but now saying that I would be filing a claim in the next 14 days..heard nothing for 18 days then suddenly got a letter offering £620! Accepted and was in my bank within two days!

Definately worth it!

Added: 1 Jan 1970

Sam Akram
Halifax initially refused to entertain my request for refund of £760 - I lodged the claim online as shown on this site and within a few weeks they paid a total of £855 into my account as full and final settlement - now I've got to get Barclays to play ball - just a matter of time!

Added: 1 Jan 1970

Amanda (friend's claim)
Thanx to Derek & everone else on this site as after starting my claim against Abbey, I helped friend put claim into northern rock
03/04/07 - 14 Day LBA £240.00 (£180 actual charges + £60 estimate)
19/06/07 - Court Claim Issued
30/06/07 - Received Cheque £405.73
04/07/07 - Cheque Cleared
Not bad as only £180 actual charges from s/ments & rest was estimate


Added: 1 Jan 1970

Jenny
Well.... I started a claim back in May for £2180, over the years I have struggled with finances due to my partners sick time and being unemployed.

I decided I would try it on with the Halifax trying to get a quick settlement I thought I'd write to them stating that I would accept the difference between the £39 per charge and the £12 the OFT were wanting to try and apply - after reading further realised what a plonker I'd been and that the £12 charge was for Credit Cards only - DOH!!!

The bank declined my initial claim so I wrote again, this time threatening court action. Followed up with a phone call when the 2 weeks were up on 25th June, then on 6th July received an offer of £1083 - thought whoo, hoo if they can pay this out without a fight - then I will press for more! I then called today, we have agreed to settle on £2166 - only £14 from my original amount - boy oh boy am I impressed! Cheers Halifax!!! Now time to attack HSBC!!!! Wish me luck.......

Added: 1 Jan 1970

Sylvester
I sent my letter at the end of Janaury 2007 to request a refund of £9600. I received a "GOODWILL GESTURE" of £1015 after a few weeks. Obviously not happy with this I put my court claim in at the beginning of March.

My court date was set for 20 July and on 2 July I received a telephone call from Ronan and we agreed to settle for £8780, together with the £1015 already paid this gives a grand total of £9795. £195 extra.

I know I have lost out on interest and court fees, but I am so relieved that I do not have to go to court.

I had got to the stage were I had nearly got all my court bundle ready for 6 July but as it turned out I did not need to send it.

The cheque was paid into my account on 11 July, therefore I am about to write to the courts to let them know I have settled.



Added: 1 Jan 1970

stephen
abbey

wrote letter before action for £1000, had 2 letters from them saying we need 4 weeks and cannot understand the problem, ignored these and issued small claims for £1300 inc charges and interest. Abbey filed defence and case listed for September, recd phone call from Abbeys solicitors offering £1050 as 75% of claim, decided this was acceptable.

Capital One

Wrote letter before action for £160, received reply offering £90 as settlement and leaving acc open, dedided to accept due to court costs and time.

Virgin MBNA

Wrote letter before action requesting £65, received immediate reply from chief exec office offering a full refund with interest and keeping account open. accepted.

Claim Claim Claim!


Added: 1 Jan 1970

rosie
Last week I was refunded £5004.00 in penalty charges after seven months of almost weekly letters and phone calls to my bank. The same bank had also refunded me £400 back in December 2006 so it would seem that some banks will refund twice in certain cases. This brings my total refund amount to £5440.00. I'm over the moon!

Added: 1 Jan 1970

jenny
Decided to have a go at reclaiming bank charges as per your web site. followed the right way to do this exactly and within 2 months had the final letter from the bank and was refunded the full amount of £24oo. shock and delight and would tell anyone to do this. Its easy, bit time consuming going through 6 years of charges but the outcome was obviously fantastic.

Added: 1 Jan 1970

Vicky
Started using your templates back in April. HSBC did everything they could to scare me (and it nearly worked) but I held tight and this week received back £1399.00 - a bit more than I was asking for!

Added: 1 Jan 1970

James Smith
I heard of this website through a work colleague and logged on and downloaded the intial statement request letter at the end of May '07. Now only 8 weeks later I have just recieved £460 from HSBC. They stated that they beleived they would win any court case but due to management costs and irrecoveralbe legal costs they settled on the full amount claimed. For less than a hour of my time I am almost £500 better off. I didnt expect to receive anything. THANKYOU to penaltycahrges.co.uk

Added: 1 Jan 1970

Jason Hyatt
Hello all, i started trying to claim my money back in Feb 07 by ordering my statements, abbey failed to send them to me for 2 months, so i filled out the court papers and they denied owing the money. I wanted to go to court ASAP, but abbey wanted 4 wks to try and settle. Anyway 1 week before the hearing is due, Abbey have paid me back in full £2242.80 inc 8% interest. I was in the bank this morning getting the money out and the person behind the counter was really rude, he wanted to charge me for writing a cheque out. I told him i had enough charges from abbey over 6yrs and will not pay. He said i should learn not go overdrawn, i told him the charges are illegal and thats why they have given them back to me, and he didnt say anything back...wonder why. Good Luck to those still waiting. If they give you the run around just issue court papers and guess the amount. let them do the work, thats why i did.

Added: 1 Jan 1970

Sharon Shaw
I heard about this website in a magazine and decided to see how much my bank owed me. Nine hundred pounds as it turned out! I contacted them and to cut a long story short they initially offered four hundred and fifty - which due to the success stories on this site I turned down. When I went ahead with court proceedings they immediatly offered nine hundred pounds. I sent a letter asking for the total of nine hundred and eighty pounds (this included the court fee). They paid the money into my bank account within days! I am so pleased. My advice is go for it they will give in.

Added: 1 Jan 1970

Sarah
I started action back in February and followed all the templates and guidance on this site. Due to the fact that i was ill i did not start court action when i originally intended. When i finally wrote to them and said they had 14 days to respond before i tollk action, i got a letter on day 13! It was an offer of 95% of my charges, but still it was £2886 and i did not have to go to court. I accepted and had the money in my bank within 14 days. Do not give up if you are planning to try and get your bank charges, perserverance pays off, it is worth it, dont be put off by recent rulings against people. The banks would still rather settle than get that far. Thanks Penalty charges!!

Added: 1 Jan 1970

gordon
Lloyds thought they could get away with offering £750.00 but i filed against them and today they settled the difference of £647.91 bringing the total to £1397.91

Added: 1 Jan 1970

Dave
I got in to a lot of money troubles when I started my training for my job. I begged the Halifax to help me out each month to no avail, some months I had charges of £130!!! I started trying to get my charges back in May of this year in total I had charges of £2142 after alot of toing and frowing I got an offer of £1149 on the 3rd july, which I refused and they uped the offer to £2000 right away! I was happy with this and exepted the £2000. Although 14 days after the offer was uped I'm still waiting for the extra £851! lol I've just rang the Halifax and told them if they do not put the £851 in my account by midnight I would charge them £39 late payment charge! lol My advice is "Don't be fobbed off stick with it and you will get what you want!"

Added: 1 Jan 1970

riewrozexc
Hello! Good Site! Thanks you! towekrpzhnex

Added: 1 Jan 1970

Rocky
I was defaulted by natwest in 2004 for £300+ but after finding this forum sent a template letter asking for my statments. found that they charged me £500+ in charges so send my Prelim & LBA with no reply, so I complaind to financial ombudsman 3 weeks later got offer for Full refund and Default Removed.

Added: 1 Jan 1970

Yvette Goodman
I have recently received a settlement from Barclays for my business account in Feb 2008 for £1156 which was more or less a full settlement. It was on the advice from the Financial Ombudsman Service that the FSA should continue to deal with complaints about charges on business accounts. It worked for me, and currently now trying to reclaim charges from another business account, and today just receive a partial offer that I shall not be accepting.

Added: 1 Jan 1970

Rosie
I got £5,444 back from Natwest in total last year after months of wrangling. I eventually took advice from this website and the Financial Ombudsman was about to step in when the bank wrote to me saying they would settle in full.

Total: £5,444

I was staggered and very pleased, they had creamed £5,444 from me over a period of five years and I was so pleased to have it refunded.

Thanks to everybody who stands up to the banks - people power!

Added: 1 Jan 1970

Mary Garner
I claimed almost £6,000 back in 2006 and thanks to this web site got it all back. I had my accounts closed but managed to open a basic account elsewhere. I really could not have done any of this without Penalty Charges. Being a pensioner on Pension Credit you can imagine how delighted I was. Many thanks to all of you. I am now going after the mortgage company.

Added: 1 Jan 1970

anon
27.5k refunded in penalty charges

Added: 1 Jan 1970

dan
hi - i just thought i would write to thank you all for your advice @ penaltycharges - i had lowell portfolio 1 chasing me for a debt (16,099.96) of which had not been acknowledged for over six years !! on the advice of one of your admin (libby and cobra ) i sent a recorded statute barred letter and they responded by return squashing the debt - brilliant advice - brilliant site - THANKYOU SO MUCH x

Added: 1 Jan 1970

Trebor
On the last day of the month, a 9 direct debit was taken from my wife's Halifax current account leaving her 4 overdrawn. For some reason, which no-one has been able to explain, her salary didn't reach her account that day as it normally would have done. It wasn't really a problem though because about 8 0.clock the same morning, I went online, spotted the problem and transferred money from my account to bring hers back into credit. I couldn't believe it when Halifax sent a unauthorized overdraft charge for 37.
I rang, played the "press for such and such" game and having finally got someone to talk to, I challenged the charge on the grounds that it was overly harsh. My request for it to be refunded was refused on the grounds that I had had an earlier charge refunded as a "goodwill gesture" and was only allowed one.
I conceded defeat, but on reflection I could not understand what the difference - apart from a couple of hours - was between my wife's salary being paid in and me transferring money to the account. I returned to the fray and ignoring all of the press the numbers guff, I was quickly connected to an advisor. Once again, I calmly made my case, mentioned that I was considering referring the matter to the banking ombudsman and opined that I should probably submit an internal complaint first. Hey Presto, the lass spoke to her supervisor and five minutes later the charge was rescinded. If at first you don't succeed..............

Added: 1 Jan 1970

neil raper
I within the last week have received a payment of 6260.00 in settlement of a claim against unfair bank charges.I had to issue a county court summons against natwest, and it took a lot of perseverance, however I could have only done this with the help and support which is available through your web site.I must truly commend you on the wealth of knowledge which is available to help people reclaim these very unfair charges.Until visiting your site, I would have found it difficult to proceed with a structured and professional approach to preparing my case.I must thank you, and hope my success will give encouragement to other people to persevere with their claims.Without your help I could not have acheived the result, and I most certainly intend to make a donation which will enable you to keep helping people such as myself.Again THANK YOU SO MUCH!!

Added: 1 Jan 1970

dan
Having previously had success claiming back penalty o/draft charges from HSBC and also credit card charges before the moratorium and court case, I recently resumed the battle for PPI charges from a couple of old Egg loans. After an initial rejection, they decided to pay up - principle plus interest - to the tune of around 1700 - before I got any where near taking it to the OFT.

Hurrah

Thanks again for providing the encouragement to undertake all these battles.


Added: 1 Jan 1970

Kevin Millar
In the middle of last year(2008)I heard about people reclaiming their Bank charges.I never though about it for a while,then what do you know I get hit with a bank charge.With my blood boiling I looked around on the net and found this excellent site.After alot of reading I finally plucked up enough courage to go for it.With alot of help from Mods & Members on here I managed to claim back around 1200.What a day that was there was tears there was laughter and if Im totally honest there was even some pant wetting.Thanks for the help.

Added: 1 Jan 1970

FRANK SLEVIN
WOW, finally had some news. after many months of letter writing and phone calls i have recieved a reply to my SAR request.

Imagine my surprise when MBNA advised me that " due to archive retrieval issues" they were unable to find a copy of any ALLEGED finance agreement

All the abuse, harassment and worry has been worth it.

I STRONGLY URGE ANY ONE GOING THROUGH THIS PROCESS TO HANG ON IN THERE.

THERE IS LIGHT AT THE END OF THE TUNNEL

Thank you to all who have advised me, given support when i felt like i was banging my head against the wall

THIS IS "YOUR" VICTORY

Frank Slevin

Added: 1 Jan 1970