andy d (rizla)
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 posted on 22/1/07 at 07:13 PM |
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important GET MONEY BACK FROM BANKS ETC
 I GOT A CHEQUE TODAY FOR 6,745 QUID
and it didnt cost me a penny,everyone should do this,the banks will soon catch on and cap this
get back all those bank charges and those 35 pound letters etc,late payment charges on credit cards etc
fill the form in and send it off its free and it works 2 others in my work place have been payed out too one got 700 pound and one got 3000 pounds
they go back 6 years for the charges so chances are youll get something back
link
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ricklawn
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| posted on 22/1/07 at 07:30 PM |
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sounds good but what is the catch
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MikeR
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| posted on 22/1/07 at 07:33 PM |
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unless you've never had a bank charge!
Basically Gov. recently said "oi, banks, you're ripping people off" and the banks are quietly refunding a % (i believe usually
pretty much everything) from the last 6 years. I think the hope is that less people will write the letter than they'd have to pay out if it was
made compulsive by the gov.
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Hellfire
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| posted on 22/1/07 at 07:51 PM |
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quote:
Originally posted by ricklawn
sounds good but what is the catch
You lose your entitlement to any interest on the money. Quote: You get all the charges..We'll negotiate the interest with your bank, and
take that as our fee. Unquote
Phil
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ricklawn
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| posted on 22/1/07 at 07:59 PM |
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sorry for sounding dim, but if you was in an overdraft situation, then you wouldn't have had any money to get intrest on. and they can't t
take away future intrest can they
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andy d (rizla)
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| posted on 22/1/07 at 08:00 PM |
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like he says they get the interest
i had no idea id been charged that much on late payments etc
it worked for me so id thought id pass it on
just think of what you could buy for your cars
or you can do nothing and get nothing
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trextr7monkey
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| posted on 22/1/07 at 08:02 PM |
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'Kinell Mr Rizla - have you paid that in charges already ??
We go ballistic if they ever try and charge us for the odd item that slips through !!
I took an overdraft to get married and that was the last !!!
Seem to remember the bank dude phoning me up after the month was up asking when Iwould pay and fortunately I had the money in my pay packet!!
http://www.flickr.com/photos/14016102@N00/ (cut and paste this dodgey link)
Our most recent pics are here:
http://s129.photobucket.com/albums/p211/trextr7monkey/
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Danozeman
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| posted on 22/1/07 at 08:04 PM |
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Is anyone else going to do it??
I would be a bit reluctant to send my bank details.....
Dan
Built the purple peril!! Let the modifications begin!!
http://www.eastangliankitcars.co.uk
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martyn_16v
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| posted on 22/1/07 at 08:20 PM |
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quote:
Originally posted by Danozeman
Is anyone else going to do it??
I would be a bit reluctant to send my bank details.....
There's no reason to go through an agency, if you scout about there is a site that has a load of sample letters to fill out and send to your
bank directly.
I'd be a bit wary of doing this if you have an overdraft, it is not unheard of for the bank to pay up and then immediately close your account
and demand the overdraft paid back pronto. I also wouldn't expect any kind of favourable service/deals from them in the next hundred years or so
if they did keep your account.
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ricklawn
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| posted on 22/1/07 at 08:26 PM |
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i have got an old account that i dont use anymore only a few quid in it. used to have an overdraft so will give it a go. nothing to lose with that
bank
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Moorron
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| posted on 22/1/07 at 08:30 PM |
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A few friends have done this and got there moneys back, only trouble is the bank closed all there acounts. i think its great if your poor with money
as u gain, but like any greedy company they will just get there money back another way. they have already talked about charging for standard accounts
unless u have a steady £2000 balance. how many people have that money lying about.
I hate banks
I think its great if u have had loads of charges to now be able to get your moneys back.
i think it bad for me as i will be penalised in the future for never going into the red 
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zxrlocost
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| posted on 22/1/07 at 08:53 PM |
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Moorron is right
claim more than a few late payment funds back
and youll upset the bank
1, theyll close your account and anything to do with the account
then that means theyll want anything paying off ie overdrafts etc
youve also got to open another account elsewhere
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andy d (rizla)
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| posted on 22/1/07 at 09:14 PM |
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well ive got no overdraft, so i have no worry about my bank account, but one good thing is i have a letter from my bank asking me if i have any
problems with them in the future to speak to them first
i hate banks and if i can get anything out of them then im happy
ps going to florida now this year
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zxrlocost
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| posted on 22/1/07 at 09:41 PM |
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your ok if you dont have a loan or overdraft with them but theyll still close your account most likely
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PLEASE NOTE: This user is a trader who has not signed up for the LocostBuilders registration scheme. If this post is advertising a commercial product or service, please report it by clicking here.
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Pezza
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| posted on 22/1/07 at 09:53 PM |
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I'm in the process of doing this myself via the consumer action group forums advice.
Just sent off for my bank records from halifax, they pissed me off one to many times with the way they invoked charges in a sneaky way. eg 2 payments
are due on the same day... they would always ensure the largest would come out first putting me over my overdraft and charging me thirty odd quid,
then the next that might only be 2 or 3 quid they take out consecutevly and charge me another thirty odd quid followed by a fee for going a set limit
over my overdraft.
You couldn't pwn your way out of a wet paper bag, with "PWN ME!!" written on it, from the "pwned take-away" which originally contained one
portion of chicken tikka pwnsala and the obligatory free pwnpadom.
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JoelP
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| posted on 22/1/07 at 10:01 PM |
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more info here:
http://www.locostbuilders.co.uk/viewthread.php?tid=54076
i wouldnt dream of sending bank details via that link, it would be no suprise if scammers got in on the act and fooled people into giving their
details.
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owelly
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| posted on 22/1/07 at 10:04 PM |
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My other half is in the process of claiming back all her charges and she has just received a letter from the bank saying that she had signed the
agreement that stated that she had understood the terms and conditions and any further action will result in the bank making a counter claim against
her to recover all costs incurred to them as a result of the claim!! The letter was hand signed my a bloke with a name and an extension number from
the local branch!!
Should we call his bluff??
http://www.ppcmag.co.uk
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Stu16v
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| posted on 22/1/07 at 10:22 PM |
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This should help 
Dont just build it.....make it!
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andy d (rizla)
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| posted on 22/1/07 at 10:24 PM |
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yes
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JoelP
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| posted on 22/1/07 at 10:25 PM |
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quote:
Originally posted by owelly
My other half is in the process of claiming back all her charges and she has just received a letter from the bank saying that she had signed the
agreement that stated that she had understood the terms and conditions and any further action will result in the bank making a counter claim against
her to recover all costs incurred to them as a result of the claim!! The letter was hand signed my a bloke with a name and an extension number from
the local branch!!
Should we call his bluff??
You are likely protected by the 'unfair terms in consumer contracts' legislation. Unfair terms cant be enforced, these ahve been deemed
unfair, and hence cant be enforced. Myself, id go in with a hammer and smash his teeth out for getting funny with the missus.
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Moorron
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| posted on 22/1/07 at 10:29 PM |
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good link, ivew cut n pasted the interesting biy
Isn’t it in the terms and conditions though?
Of course when you got the bank account there were terms and conditions (though most don’t read them). Yet that’s irrelevant; a contract must be
written within the law, and they can’t enforce a contract with legally unfair terms. Ultimately if it isn't proportionate then it's
unlawful, and thus you've a right to your money back.
i would not only call there bluff, but send a snotty leter back suggesting they are perverting the course of justice and any more letter with the same
content will b passed onto your solicitor. lol
i hate banks
Sorry about my spelling, im an engineer and only work in numbers.
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James
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| posted on 23/1/07 at 08:59 AM |
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Look up the Radio4 money programme, the've talked about this quite a lot.
But as said, you don't need to go through an agency AFAIK.
Cheers for the heads up!
James
[Edited on 23/1/07 by James]
------------------------------------------------------------------------------------------------------------
"The fight is won or lost far away from witnesses, behind the lines, in the gym and out there on the road, long before I dance under those lights."
- Muhammad Ali
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rebelrider
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| posted on 23/1/07 at 10:52 PM |
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well i sent my forms off to the agent in that link this morning im rubbish with money "spend spend spend untill it runs out then spend some more
get charge wait till i get paid then start again" so......... i could be a millionaire soon lol
how long does this process take ? and has anyone done it with hsbc ? are they likely to tell me to fuf off and find another bank ? i also hate banks
they cost me a fortune 
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MikeR
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| posted on 23/1/07 at 11:07 PM |
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Folks,
bit of a contentious idea here.........
what ever money you get, use it to pay off your debts, then if their is any left over, put it aside for when you get hit by an un-expected bill.
Please correct me if i'm wrong, but the only reason the banks have levied these charges is because you have spent more money than you have. If
you don't go over into debt or go over your overdraft then the bank can't charge you.
If you hate banks so much, take your money out and put it under your bed / in a house safe. No one makes you leave your money in them. Sure the banks
could alter how they take your money out so you don't get charged this / that or the other ........ why should they? they are a business? The
sole reason they exist is to MAKE MONEY. How would you like your employer to start saying "Sorry lads, can't pay you this month, that
customer we've got, we realised if we don't charge him this month (and therefore don't pay you) then his cashflow will be a lot
better and ......"
Rant over.
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ASH3
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| posted on 3/2/07 at 09:45 PM |
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Sent mine off a week ago.. how long does the process take?
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