Zwrot kar pieniężnych za przekroczenie overdraft?
Witam Wszystkich!!!
Słyszałem, ze istnieją firmy zajmujące się odzyskiwaniem od banków kar pieniężnych pobranych przez bank za przekroczenie overdraft. Jeśli ktoś wie o czym mowie, z góry dziękuję za każdą pomocną podpowiedz!!!
Pozdrawiam!!!
Słyszałem, ze istnieją firmy zajmujące się odzyskiwaniem od banków kar pieniężnych pobranych przez bank za przekroczenie overdraft. Jeśli ktoś wie o czym mowie, z góry dziękuję za każdą pomocną podpowiedz!!!
Pozdrawiam!!!
Stary,
Kiedyś to był bardzo popularny temat, teraz może trochę mniej.
Możesz to zrobić sam - nie powinno być z tym wiele problemów. Wzory pism masz w Necie - jeden poniżej:
Dear Sir/Madam,
Ref: account number: (your account number)
I understand that the charges applied to my account in relation to the following (enter details of what charges were for) are unlawful.
When I opened my account I entered into a contract with you, at which time you agreed to act lawfully. The fees you have been applying to my account in relation to the above are unlawful under Common Law, Statute and consumer regulations.
You have taken (enter charges amount here) from me, plus the following in (enter overdraft interest amount here) overdraft interest and I would like to request repayment of this (enter total sum) total sum. I also ask you to ensure any default notices entered against my credit record are removed entirely.
Please repay this money in full and remove any default notices within 14 days. If this is not done, I will begin a claim against you for the full amount, plus interest and my costs.
Yours sincerely,
(Your signature)
albo wersja 2 jeśli lubisz pisać i być w ogóle cool:
[Your Address]
[Date]
[Your Bank Branch’s Address]
Dear Sir/Madam
Regarding: [Your Account Number.
Your Sort Code.]
Due to recent media coverage on bank charges I now believe that you, [your bank’s name] have been charging me charges that are contrary to the Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e) of the said regulations gives a non-complete list of terms, which may be regarded as unfair, such as a term that requires me as a consumer who fails in his obligation, to pay a disproportionately high sum in compensation. I believe that your charges are disproportionately high and therefore they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that your charges are a Penalty. Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd [1915] AC 79 along with Murray v. Leisure play [2005] EWCA Civ 963. It was held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss. Furthermore if you fail to comply with this letter, I request without further notice a breakdown and proof of all costs involved, in regards to your actual or liquidated losses involved in any breach of contract to which these charges relate with yourselves, and that these charges reflect your true costs in relation to the said charges, and are proportionate to the charges levied on my account as defined in Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e). Therefore I require you to refund me a total of £[XXX.XX], representing the total, unlawful amount charged during the last 6 years. I hereby give you 14 days to refund the charges back on to my account. For the avoidance of doubt, if this is not done within 14 days, I will commence my claim in the courts without further warning. This action will inevitably involve you in additional costs. I also hereby request a detailed report of which clause in your terms and conditions each charge has been applied against.
Yours sincerely,
[Sign here]
[Print your name here]
Mam nadzieję, że to pomoże trochę.
Kiedyś to był bardzo popularny temat, teraz może trochę mniej.
Możesz to zrobić sam - nie powinno być z tym wiele problemów. Wzory pism masz w Necie - jeden poniżej:
Dear Sir/Madam,
Ref: account number: (your account number)
I understand that the charges applied to my account in relation to the following (enter details of what charges were for) are unlawful.
When I opened my account I entered into a contract with you, at which time you agreed to act lawfully. The fees you have been applying to my account in relation to the above are unlawful under Common Law, Statute and consumer regulations.
You have taken (enter charges amount here) from me, plus the following in (enter overdraft interest amount here) overdraft interest and I would like to request repayment of this (enter total sum) total sum. I also ask you to ensure any default notices entered against my credit record are removed entirely.
Please repay this money in full and remove any default notices within 14 days. If this is not done, I will begin a claim against you for the full amount, plus interest and my costs.
Yours sincerely,
(Your signature)
albo wersja 2 jeśli lubisz pisać i być w ogóle cool:
[Your Address]
[Date]
[Your Bank Branch’s Address]
Dear Sir/Madam
Regarding: [Your Account Number.
Your Sort Code.]
Due to recent media coverage on bank charges I now believe that you, [your bank’s name] have been charging me charges that are contrary to the Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e) of the said regulations gives a non-complete list of terms, which may be regarded as unfair, such as a term that requires me as a consumer who fails in his obligation, to pay a disproportionately high sum in compensation. I believe that your charges are disproportionately high and therefore they are contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that your charges are a Penalty. Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd [1915] AC 79 along with Murray v. Leisure play [2005] EWCA Civ 963. It was held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss. Furthermore if you fail to comply with this letter, I request without further notice a breakdown and proof of all costs involved, in regards to your actual or liquidated losses involved in any breach of contract to which these charges relate with yourselves, and that these charges reflect your true costs in relation to the said charges, and are proportionate to the charges levied on my account as defined in Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e). Therefore I require you to refund me a total of £[XXX.XX], representing the total, unlawful amount charged during the last 6 years. I hereby give you 14 days to refund the charges back on to my account. For the avoidance of doubt, if this is not done within 14 days, I will commence my claim in the courts without further warning. This action will inevitably involve you in additional costs. I also hereby request a detailed report of which clause in your terms and conditions each charge has been applied against.
Yours sincerely,
[Sign here]
[Print your name here]
Mam nadzieję, że to pomoże trochę.
-
juzekbrona
- Emigrant
- Posty: 375
- Rejestracja: 11 lis 2009 02:37
https://claimtracking.co.uk/. Trzeba się zalogować i wybrać o jaki zwrot chcesz się ubiegać. Ja tak zrobiłem i jestem zadowolony. Czekam na propozycje banku. Nie wygrają nie płacisz. Biorą 25% z tego co odzyskają trochę sporo ale Ty nic nie robisz (prawie)
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