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who's done it?
Did you get much back?
I could do with a result quick though, in my favour. If the judge dealing with the case happens to be reading this, like.
but I'd read the day before that once you've accepted one refund you can't claim for all the other charges and I reckon they've taken over £2000 off me. He even said on the phone we won't be able to refund it all on the phone. Why do you think they offered £100 if they still waiting for the result.
It depends whether you are making a legal challenge or a one off business as usual (BAU) challenge. ie, if you are claiming the charge back because a direct debit came out and you forgot to top your account up to cover it, then this is a BAU challenge. You should be able to claim the whole of those charges back, but still claim on a usual (held) legal challenge when the case ends (if they lose).
On the other hand, if you were just claiming all your charges back, and they offer you a settlement then this is totally final and rules out claiming on any more charges previous to the claim.
Also, they don't take kindly to multiple BAU claims and will probably only refund the first couple at most.
You're not going to get anything until the test case is over.
Jesus, things seems better there. If only there was some way of enjoying all of the benefits without actually having to live there.
it's just the waiver doesn't apply there. I'm not sure if any of the Scottish cases are successful, but I know they are still going to court.
I wanted to voice my disdain for this but couldn't be bothered typing out the full rant. I'm bitter.
I do know someone who was refunded over £2k. However, I know they're trying to resolve this loophole at the moment, so if you write to your bank to reclaim any costs, likelihood is that you won't be awarded anything until it is resolved...if at all.
I approached my bank recently and was told that I should write to them, however it could take up to a year to hear anything back.
They have to reply within five working days of receipt of your complaint, even if it's only a holding letter.
Anything longer is a breach of FSA guidelines and you can take up a separate complaint with the ombudsman = at least an apology letter and bunch of flowers.
they will respond in some way to say that they received your letter, but what I was meaning is that you shouldn't expect any sort of money back straight away.
I used to work in the charges department for one of the major banks, and they were always fucking up.
It's worth pursuing.
I know a few people who have received a cheque along with a letter informing that their account is being closed, presumably as an act of petty revenge.
but they're desperately trying to hive off customers at the moment anyway as they MAY be affected by SOME of the issues that brought down Northern Rock*
*so i hear on the grapevine. Don't sue me.
I managed to reclaim over £1,000 worth of charges. dunno why i bothered, it's all been pissed up the wall now :)
and got 100% back. Yes. I used the poor, silly student line that I didn't fully understand the terms of my account and it was my first offence so they let me off with a slap on the wrist.