I am writing a letter to my bank to reclaim past bank charges - where do I send it? Head office or local bank?

Answer 1

I don't think it matters...
If you need help, this article has great advice:
http://www.moneytowers.com/2006/banking-credit/claim-back-unfair-bank-charges/

There's also a template letter you can send - it worked for me :))
http://www.moneytowers.com/2006/banking-credit/template-for-claiming-back-unfair-bank-charges/

Answer 2

when you do, use this legal Doc below , just cut and paste it .
and if I was you I would send a copy to each !
....................................................................................................



[Your Banks Address]



[Date]


[Your Address]



[Your Account Number/Details]

Without Prejudice

Dear Sirs

Due to recent media coverage on bank charges I am now aware that you, {your banks name} have been charging me bank charges that are contrary to the Unfair Terms in Consumer Contracts Regulations 1999. Subsection 1(e) of the said regulations gives a non complete list of terms which may be regarded as unfair, such as a term which require me as a consumer who fails in his obligation, to pay a disproportionately high sum in compensation.

I believe that your charges are disproportionately high. Therefore they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that your charges are a Penalty. Penalty charges are irrecoverable at common law. The precedent for this was a Scottish case, Castaneda and Others V. Clydebank Engineering and Shipbuilding Co (1904) 12 SLT 498. Along with the English case of Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd [1915] AC 79. It was held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual or real loss.

Your charges appear to be nothing more than a lucrative profit-making scheme. Therefore I require you to refund my entire bank charges for the past 6 years, a total of [£ ]. I hear by give you 14 days to refund the charges back into my account. If this is not done within 14 days, I will be forced to take legal action.



Yours Sincerely




[Your Name]

Answer 3

I work for a major high street bank, if you write a letter to your account holding branch (either send it or hand it in personally) By law they have to act on that letter or send it internally to head office for authorisation.

Answer 4

if i was sending a letter i would send it to the head office, most of the times i go into my bank to sort something out they tell me to ring the head office or send them a letter

Answer 5

Well i just sent my letter 1 week ago to my local branch(Lloyds tsb) as it them who put the actual charges on my account.

Answer 6

I sent mine to my local branch of NatWest (Whitby, North Yorks)..... but the reply came from Bradford or somewhere....... while the ones my Dad sent to the local branch of Barclays got the replies from somewhere in Leicestershire.

Answer 7

Local bank worked for me and I won all my money back-Barclays