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[Moshulu Rob]

Here is how to claim back every single penalty charge you have recieved from your bank in the last 6 years. My mate who sent me this has got back £2.5k so far:

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The Office of Fair Trading made a direction on the 5
April 2006 stating that (bank or credit card/
agreement) charges for any matter that are over £12
(ie overdraft fees, dd admin charges, missed mortgage
payments, etc pretty much any charges as it happens)
are unlawful and you can get these back. So far
millions of pounds have been refunded - (personally
£2,570 from just one bank so far) by using the data
protection act and some standard letters (link below).
You can get charges back from the last 6 years so
handy for any ex-students who still haven't paid off
any overdraft charges!

Link to Templates:

http://www.consumeractiongroup.co.uk...lates-library/

Below link for the Data Protection Access Letter:

http://www.consumeractiongroup.co.uk...t-subject.html

After you get Data Protection Response outlying
charges:

http://www.consumeractiongroup.co.uk...repayment.html

You'll get a standard letter back saying no, and so
you then send this one:

http://www.consumeractiongroup.co.uk...-consumer.html

When they try to settle without giving you the full
amount then use thi sletter:

http://www.consumeractiongroup.co.uk...ent-offer.html

Remember though that if you are offered the full
amount requested and it is without further conditions,
you must accept it.

If conditions are attached to an offer of settlement
in full (for instance, you are required to attend a
meeting, or you are asked to agree not to make further
claims etc) then you are under no obligation to
accept.
Make the bank aware of the need to withdraw those
conditions first.

....but eventually they'll give in. At the beginning
they were trying to get people to sign gag orders
shutting them up but slowly a lot of people are doing
this now.
If you don't believe me check the Office of Fair
Trading Website:

http://www.oft.gov.uk/News/Press+rel...2006/68-06.htm

[Rachie]

www.bankcharges.info is also useful for this. I used their letter to get back quite a bit from the Halifax.

[Edgar Graham]

I just underwent the final part of the process the other day and made a claim through moneyclaim, i'll let "ya'll" know how i get on.

[incredibledisc]

This is fantastic! I've just emailed all my friends to let them know too. Stick it to the Man!

[Diesel]

Originally Posted by incredibledisc

This is fantastic! I've just emailed all my friends to let them know too. Stick it to the Man!

Yep,

I'm deffo going to "stick it to the man". The corrupt hoors are into me for £££££££££££'s

In the words of Francis Begbie, "thae bank cunts is gittin' fucked the noo, likesay"

[Alvin Starclusk]

I tried the earlier version with a laRge Scottish-based bank, But they tried the gagging order Stuff on me. I may try again with these letters...

[Edgar Graham]

Got a letter in the post this morning offering full compensation of £466. Decent.

[huntedbyafreak]

Has this actually worked for anyone? Is it just for any bank charges at all???

[Tubthumper]

The post above telling you about £466 went right over your head then?

[JaseyBoi]

The original post goes right over my head im afraid

Any chance someone could help us all out with basic instructions as i say i cant make head not tale of original post lol ... .. . . ..