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Sample Letter to claim for expenses claim term debt balance to claim

reproduce below a letter from a reader of the blog very well written, seeking reimbursement of expenses claim debit balance or overdraft CommIssIon . Also claim the card default fees, which do not correspond to services actually rendered. I encourage all claims against these abuses, committed mainly because most do not protest! Dear Sirs

ours

I am writing to you as account holder xxxxxxxxxxxxxx, xxxx branch opened in Barcelona, \u200b\u200bin order to claim back unfair charges levied the following and detail below;

Based Order order ECO/734/2004 11 March, on the department and customer services of financial institutions (published in the Official Gazette of March 24, 2004, in exposing the facts (fees, dates, ..) and asked to be Customer SHOW:

1 - expenses claims outstanding balance, charged on a regular basis since the opening of the account, for various amounts, being the last of 10 euros. I understand that charges do not correspond to services actually rendered ( third rule of the circular 8 / 1990 Bank of Spain) since discovered that were settled a claim without the benefit of your organization beyond the debit of the controversial "expenses claim ".- Representation Commission

Discovered 15/09/2010 ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... € 10
In the collection of this committee also produces a duplication of charges for the same reasons that is, two expenses are charged and interest claim discovered by the same concept.

Price 08/09/2010 card defaults ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .22 €

11/12/2009 Card Nonpayment Price ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... € 15

REQUEST TO SHOW ME: 1_

Section of the contract authorizing the collection of these fees as well as the interest that it is charging a monthly basis. 2_

proving the actual existence of efforts made to customer complaints to the commission by discovered claim. Sea 3_

accredited in the prospectus that the commission can not claim repeated in the same balance or fee, additional efforts made by the entity with the same purpose.

Therefore, the client, the person with this body to seek clarification in this operation, as well as give the instructions for an appropriate amount to be returned from 47 euros.

please let me answer them within 2 months stipulated by the regulations of the Bank of Spain, because otherwise I will have to file my complaint with this organization, with the inconvenience this entails.

Is Treatment For Mrsa In Cats Permanent?

receive many inquiries about the deadline for claim back bank charges . However, civil actions expire after 15 years, and the Bank of Spain will accept claims for commissions to the same period. Must be taken into consideration, though, that banks are required to maintain documentation for a Within six years, so if we want to reclaim previous commissions that we can find the bank alleges lack of documentation. So if we want to reclaim commissions more than six years old have to have everything well documented.