Make Your Bank Charges Refund Claim - Step 6

Use the Moneyclaim website to start the claim process, simply fill in the form, it’s that simple. The fee’s are between £30 and £120, depending on the size of your claim. Charges can be paid on card and are refunded if you win your case.

Once your form is submitted and the case is accepted your bank have 14 days to acknowledge. If they don’t you can ask for a judgement without a hearing requesting they settle the full amount.

After you’ve submitted the claim, everything else depends upon the bank’s reaction. Your claim takes 5 days to be serviced and the clock starts ticking from there.

Possible routes from here:

  1. The bank settles in full
    The most common outcome is that the bank denies any wrong doing, bit settles as ‘a goodwill gesture’, including all fee’s and interest.
  2. They do nothing
    This also common. If they do not respond at all, you win the case by default. At which point you must request what’s called a ‘judgement by defualt’. This is all done online and needs to be done ASAP.
  3. They acknowledge the claim but enter no defence
    This just delays things with the same outcome as point 2. 28 days after acknowledgement and no defence, then you simply request judgement by default again.

If the bank decides to defend, do not panic.

Very few cases get this far, but don’t worry if they do, its a negotiation remember. They’re trying for a smaller settlement typically so don’t be bullied.

At this point, the court process takes over and you need to fill in a questionnaire regarding the scenario. The next stage is a hearing date but typically the banks will settle before this. If your case actually gets heard, then speak to an advisor or solicitor. It’s best to get some qualified advice at this point but you are still a favourite to win.

4 Responses to “Make Your Bank Charges Refund Claim - Step 6”

  1. a c hill Says:
    July 3rd, 2007 at 6:16 am

    what would happen if i were to go to the police and ask them to investigate multiple theft from my account,what would they do as im sure it would have to be investigated

  2. neil larner Says:
    January 25th, 2008 at 5:00 pm

    Hello,

    I am interested in claiming back lost monies from Barclays bank. My account had switched over from Woolwhich to Barclays without me signing anything, and since I have been charged about $500 since last Autumn for reasons I am totally oblivious to.

    I definately feel cheated and have sent them my threats of legal action.

    I am now interested in claiming this money back, especially as they have overrided my atempts to stop outgoing direct debits.

    Please contact me with information and prices for claming this money back, thank you.

    N LARNER.

  3. tamara Morey Says:
    May 7th, 2008 at 5:46 am

    Have been charged over 1000 with HSBC

  4. tamara Morey Says:
    May 7th, 2008 at 5:48 am

    please contact with information of what I can do about these bank charges.

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Author: Bank Charges Guru Last updated: November 21, 2007