Can I still claim back bank charges even with the pending test case?

I was wondering if it would be worth my time claiming back bank charges with the pending test case?





I never made an attempt to claim last year but upon reviewing my statements over the past 2 years I have totalled approximately £2,200 in charges. I have been encouraged by friends and family to send off for statements and charges dating back over the past 5 years,





With the test case putting other claims on hold, should I make a claim? or am I wasting my time?Can I still claim back bank charges even with the pending test case?
If you want to claim, then you should do so now.





As you know all claims are currently on hold pending the outcome of the test case being brought to the high court by the OFT to decide once and for all if bank charges are unlawful.





The case is due to start around the end of Jan 08, and is expected to run for a year or more as the issues are complex, and the legal process is extremely slow!





If the OFT win, it will make it much quicker and easier for everyone to claim their bank charges back, and if you put your claim in now it will be dealt with quicker as its already in the system.





However, if the banks win it will be the end to bank charge claims.





All you need to do at this stage is to write to the bank (you can use the template letter on my site below) asking for your charges back. Send it by recorded delivery to the banks head office. It will then be logged and acknowledged by the bank, and will then be placed on hold.





If you put your claim in now you have the advantage that it locks the date of your claim, so no matter how long it takes for the hold on claims to be lifted, you can still claim back to August 2001 (6 years from the current date, rather than 6 years from the date the hold is lifted).





If the banks win, all you have lost is your postage, so its well worth doing!





Have a look at my site below for more details on the current situation, as well as step by step guides to claiming.





The site is free to use!Can I still claim back bank charges even with the pending test case?
ALL CLAIMS ARE ON HOLD UNTIL THE TEST CASE YOU CAN APPLY BUT NOTHING WILL HAPPEN UNTIL THE CASE AS BEEN RESOLVED
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You can apply currently to have your charges repaid, however the banks are now waiting for the outcome of the case of Nadine Fry in the High Court. As such banks are writing standard response letters which Counsel has instructed them to do, informing you that “their hands are tied”. You may then have to re-apply pending the outcome. You could at least register your interest with the bank, but beware; Banks can terminate your account if you successfully reclaim charges, giving only 28 days notice. You really ought to have another account operating before you commit to demanding your money back or you may find yourself without a bank account.





The answers above are for guidance only and should not be acted upon without you receiving independent financial advice relevant to your circumstances. To find an IFA please call 0800 085 3250 or go to http://www.unbiased.co.uk.
make a claim and i didnt know until recently that if bank charges were taken out of benefits money i.e job seekers or income support they are breaking the law i.e social security administration act of 1992. and they should carry on with your claim if not go to the ombudsman, found this on martin lewis website tell you what to do.