I recently wrote to my bank regarding bank charges and claiming them back. within a week i have recieved a letter saying they are sorry that i have a complaint and will be investigating in the next four weeks along with a complaints procedure leaflet. do i give them the four weeks as their letter or do i commence with legal action.
2007-03-13 03:56:47 · 10 answers · asked by lf2003 2 in Business & Finance ➔ Personal Finance
i am one of those saddos who keep there bank charges so i did not need to post them a £10 and ask for charge details as i already had them.
2007-03-13 04:12:38 · update #1
hahaha....i got that very same letter this morning along with the complaints procedure leaflet.
and like me i had all my bank statements dating back to 2000 so didnt need to request the the info.
in my letter to them i stated how much i was reclaiming and that i expected a reply in 14 days which i did get. wait the 4 weeks which i what i intend on doing because i simply asked for a reply to my request (although i would have preferred the money)
what they will probably do is send you another letter saying the charges are legal (like alliance and leicester did to me)
then you should send another letter to them stating why the charges are illegal and you expect your money in 7-14 days (depends on you, i said 7 working days) or you will start you claim through the courts.
chances are they will not reply till the very end as none of the banks want to end up in court and they are probably seeking every opportunity to earn a bit extra interest/dividends on our well deserved cash.
2007-03-13 10:34:38 · answer #1 · answered by babyonlyne 3 · 0⤊ 0⤋
The answer depends upon the type of charges. If you are speaking of service charges (fees), there is no reason for the answer to take so long. If the charges are fraudulent, there are laws governing the amount of response time the bank has. As for the advice to demand six years worth of info; that won't work as the request would be considered untimely and/or frivolous. Rules and regulations would not require the bank to gather that information. Of course, they may do the research if you agree to pay for it. Seeing the branch manager is good advice. If you provide more info, I could advise further.
2007-03-13 05:25:32 · answer #2 · answered by Shawn F 1 · 0⤊ 0⤋
The letter you wrote should have said that you require a full breakdown of charge against your account within the past 6 years.
They then have 4 weeks to provide you with that information.
2007-03-13 04:00:49 · answer #3 · answered by Anonymous · 0⤊ 0⤋
i am in the process of doin this 2. i left the bank 2 yrs ago and they wouldnt let me close my account so from that day i have still been gettin charges on a dormant account. i think the attitude of the banks stink. i would phone them straight away and tell them your not happy about getting mucked about and that your not willing to wait 4 weeks you want something done today. good luck.
2007-03-13 04:10:52 · answer #4 · answered by Kirsty 1 · 0⤊ 0⤋
give them the 4 weeks for 6 years of charges and then proceed if you don't hear from them
2007-03-13 04:07:39 · answer #5 · answered by flips 3 · 0⤊ 0⤋
I'm sure they have a certain time limit in which they HAVE to get things done. Give them the time they asked for, but if they take more time pressure them with whatever you need to.
2007-03-13 04:20:27 · answer #6 · answered by MariChelita 5 · 0⤊ 0⤋
Give them 4 weeks to investigate. if they do not get back to you then threaten them with legal action!!
2007-03-13 04:01:02 · answer #7 · answered by Spence 3 · 0⤊ 0⤋
see what they say, then start legal action. the banks just take take take.. yes i know i went overdrawn, so send me a letter to tell me what i already know and charge me for that too!!
2007-03-13 04:02:35 · answer #8 · answered by Spurs17 4 · 0⤊ 0⤋
bank charges suck. if you can get anything at all, get it and i hope they choke when they give you the check
2007-03-13 04:08:19 · answer #9 · answered by price 3 · 0⤊ 0⤋
go to
penaltycharges.co.uk
they have everything you need
well recommended
2007-03-13 08:36:14 · answer #10 · answered by caroljohnson13 3 · 0⤊ 0⤋