Reclaiming Bank Charges... from a closed account?

Question

Hi,

Been reading a lot of the "reclaiming bank charge" answers. But jus wondering if its possible for myself to reclaim changes over the last 6 years even though Barclays bank have closed down my account due to it being in Overdraft of nearly £1500 Unauthorised.??? And I also owe them about £2000 on a Barclays credit card, which has also gone to finance company for a monthly installment plan!!

Would it still be worth trying to claim back the charges from my unauthorised overdraft, which in the first place wsa caused by failed direct debits and bounced cheques considering the account is now closed?

Even if it reduces the debt I owe them, I still dont mind claiming back the charges... ??? Getting a few negative responses, sum1 give me some good news.. lol

Answer 1

Yes, you can get bank charges back from a closed account. This situation is actually preferable as the bank can't do anything to retaliate such as closing the account!

Use the steps below, and the template letters on my site and you should have a good chance of getting a full refund of your charges.

The full process and timescales for claiming back your charges is:

1) Write to the bank and ask them for a copy of your charges for the last 6 years, or alternatively a set of statements for the same period. You do this by making a "Subject Access Request" under the Data Protection Act, enclosing a cheque for £10 made out to the bank. This by passes the banks normal charges for statements which is normal a large amount for 6 years worth. The bank have 40 days to send you the data.

2) Write to the bank asking them to refund your charges, giving them 14 days to reply, attaching a "Schedule of Charges" (a list of the charges you are claiming for).

3) Send the bank a "Letter before Action" giving the bank one last chance to refund your charges before you take court action. They have 14 days to reply.

4) File a claim online using the Money Claim Online web site run by the UK Court Service. The claim is served on the bank 5 days after its submitted. The bank has 14 days to acknowledge the claim. If they don't you can request a "Judgement by Default" and you win the case, and get your charges, statutory interest at 8%, and your court fees.

If they do acknowledge the claim, they then have 14 days to submit a defence (making 28 days in total from the date the claim was served). If they don't then you can again request a "Judgement by Default", and get back your charges, interest and court fees as above.

If they file a defence, then you and the bank get an "Allocation Questionnaire" to fill in. Some judges dismiss the case at this stage, as the bank can't win, so again you win. If this doesn't happen, a hearing date is allocated. The bank will most likely either back out before the hearing, or won't turn up in court. Again you win the case and get your charges, interest and fees.

Follow the correct procedures and you stand a good chance of getting your charges back! Its important to send all letters to the bank and courts by recorded delivery, so you can prove they were received, and more importantly when they were received (which you can find from the tracking section of the Royal Mail web site).

Also make sure that you send all letters to the banks head office, and not your local branch. Don't phone the bank either, as this can delay things and you have no proof of whats been said.

Have a look at my site below which has detailed step by step guides to the whole process of claiming your charges back. It also has template letters you can put your details into and send to the bank, and forums for one to one advice. We also have a guide to filing your claim in court online, which is unique to the site.

Answer 2

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Answer 3

Yes, bank take the some charges for the closing the account of bank. After that you can get the amount of your account and close your account. More detail follow this link- http://www.home-login.com/2011/09/yes-bank-login-online-banking-net.html

Answer 4

i totally agree with you, i bank with the abbey, and a friend of mine or should i say so called friend gave me a cheque to put into my account for him, and also asked me to send him the money as soon as the cheque was cleared, and i did ask the bank when this cheque would be cleared and they told me within 4 working days and yes i went to the bank to collect this money witch they gave to me in the sum of £4500 and of course i sent this money on to a friend until one day i went to the cash point only to find that i was overdrawn by £4500, so i went to my bank to find out what was going on and they said to me that the cheque had bounced, i was so shocked and yet they cleared the cheque so really they was at fault but oh they do not wont to take any blame at all for this and yet just the same as yourself they wont me to pay all of this money back and also the way that they treated me !!!!!! it was very bad, i have not paid them one penny and you should not also, its happening to thousands of people and yet they no that these things go on and on and do nothing so why should you or i ???????????????????? and yet the police will not do nothing.

Answer 5

No harm in trying. If the overdraft was caused by charges then the bank may be more inclined to review it

BUT, if you deliberatly avoided paying off the overdraft, or refused to communicate in reply to their letters, then i think you will get nowhere.

If you can come to some agreement, it WILL improve your credit rating though.

Answer 6

It is worth claimimg for them however some one lost there court case.They ruled in favour of the bank it's a pity you had not claimed last year as banks were paying out, now they probably will not.Good Luck

Answer 7

Yeah, if you win then the court will say they owe you the charges, but that they can set it off against the money you owe them. It isn't the fact that the account's closed which makes the difference.

You can't have your cake and eat it!

Answer 8

If you start claimimg charges from them, they will offset them against what you still owe, and they will have a copy of your new addressand start action against you. Best leave it

Answer 9

LOL I think you owe them more than they owe you