Reclaimed Bank Charges SUCCESS stories

PaulW922 · 19 February 2007 at 8:05PM

janei wrote:

Can anyone help please? I have just started the moneyclaim against the Nat West, I first wrote to them in early December, again in Jan/Feb, but they just ignore my letters. So I have got the ball rolling with mcol, I filled out the form on line paid my money, but am now unsure if I have to do anything else, or do mcol take over from here? I am a bit stuck at this point, can anyone give me a bit of advice. I am now claiming for £1900.00, I have included interest now.

Thanks
Jane Irving

Jane

Firstly your 'amount claimed' should not usually include any interest. That is up to the court to add on afterwards if you get that far. it is does include interest then don't worry about it - just be prepared to answer any questions about it.

Secondly, as to what happens next - the ball is in the bank's court. the claim is deemed to be served six days after the court posts it out. From then the bank has 14 days to either file a defence or acknowledge your claim. They will almost certainly do the latter, saying they intend to defend it. That will have the effect of extending the time to respond from 14 days to 28 days (from the original service date).

It is at this point that you should expect some contact from the bank - NatWest are good at getting their solicitors to send out complicated legal letters and there is advice elsewhere on how to deal with it.

If the bank makes you a decent offer you should seriously consider accepting it in my own opinion, but it's up to you.

In the unlikely event that the bank does not respond after either 14 or 28 days depending, you can apply for judgment in default, via the web site.

Edinburghlass_2 · 19 February 2007 at 8:26PM

tiptoptony wrote:

Hi,

I have completed the allocation questionaire, and I was wondering what is likely to happen next. I am claiming £1450 from HSBC. Any one have any experience with HSBC?

HSBC thread.

Edinburghlass_2 · 19 February 2007 at 8:29PM

minty18 wrote:

Delighted with the help so far from this website and even more delighted with my offer from hsbc on my bank charges.

This has now given me a kick up the backside to sort out my credit card charges with barclaycard, capital one and citi card so a couple of questions......

1. Do i send the same template letter as with bank charges?

Yes, just change the wording to saying you are claiming late payment fees and/or over limit fees.

2. Can i still try and include the £12 charges?

Yes you can try.

3. Citi card let me pay half my balance and agreed to close my account. would i still be able to claim the ones from them?

If what you are saying is that Citi wrote off some of your balance by closing your account I would expect they would want that money back.

Help would once again be much appreciated.

......................

chomps13 · 19 February 2007 at 8:31PM

Hi

Any advice will be greatly appreciated.

I sent the initial letter requesting alist of bank charges on 23/01. As I have not yet received them I contacted Lloyds who stated that I'd sent it to the wrong place (address located on Martin's list of bank adresses) but that the letter would make its way to the right location soon. They advised me to phone nearer the time; the last working day before the 40 days being next Friday.

My query is..if I phone them next Friday, they will not have time in which to send me the list before the 40 days are up. Do I view this as Lloyds not complying in time and report them to the Information Commissioner? Also, do I go straight to making a claim online as all the other template letters are geared towards having already received the list of charges?

Please help me if you have time because I am so unsure as to what I am supposed to be doing despite reading through each thread!

Chantal

Hoover · 19 February 2007 at 8:36PM

Hi, I have just had a date through for an allocation hearing and wondered if anyone might be able to give me some advice. I don't really understand the court process! The letter says:- "at the hearing the court will consider either: staying the claim pending the decision in a test case involving the defendant or
giving directions for this claim to be heard as a test case and if necessary allocating the claim to the multi track for that purpose."
Does anyone have any idea what any of this means?!

Thanks in advance.

Edinburghlass_2 · 19 February 2007 at 9:02PM

Hoover wrote:

Hi, I have just had a date through for an allocation hearing and wondered if anyone might be able to give me some advice. I don't really understand the court process! The letter says:- "at the hearing the court will consider either: staying the claim pending the decision in a test case involving the defendant or
giving directions for this claim to be heard as a test case and if necessary allocating the claim to the multi track for that purpose."
Does anyone have any idea what any of this means?!
Thanks in advance.

Have a read of this thead.

http://forums.moneysavingexpert.com/showthread.html?t=368365

dontgetmadgeteven_2 · 19 February 2007 at 9:03PM

Rolling Total Correction £460,449.49 - keep it going!

hilarycopson · 19 February 2007 at 9:06PM

This is my first time of posting anything on the site so I hope I have done this correctly - if not then my apologies.

I have a question relating to my son's accounts with Nationwide Building Society. He has two Flexaccounts, one of which he no longer uses. I sent out the initial letter to Nationwide on 30th January, requesting details of charges against him on both accounts, but as yet we have heard nothing.
The account that my son is not using is currently £224.55 overdrawn, but all of that is due to charges. Foolishly, instead of paying up when he went 55p overdrawn, he left it and Nationwide have added charges each month. They wrote several times requesting reimbursement of the overdraft amount, and last week sent him a letter informing him that as from 5th March they were cancelling his overdraft facility on his other account. Today he has received a letter from them threatening legal action if the overdraft is not paid by 2nd March. Basically, I would like to know if anyone knows where he stands in this matter. Should he pay the overdraft now or should we inform Nationwide that he intends to claim back all his charges?

Thanks

Edinburghlass_2 · 19 February 2007 at 9:10PM

chomps13 wrote:

My query is..if I phone them next Friday, they will not have time in which to send me the list before the 40 days are up. Do I view this as Lloyds not complying in time and report them to the Information Commissioner?

http://forums.moneysavingexpert.com/showpost.html?p=3585449&postcount=7

Also, do I go straight to making a claim online as all the other template letters are geared towards having already received the list of charges?

You can't just go straight to claiming online without a list of charges you are claiming for. In fact neither can you send off the claim letters without a list of your charges.

Chantal

........................

Edinburghlass_2 · 19 February 2007 at 9:15PM

hilarycopson wrote:

last week sent him a letter informing him that as from 5th March they were cancelling his overdraft facility on his other account. Today he has received a letter from them threatening legal action if the overdraft is not paid by 2nd March. Basically, I would like to know if anyone knows where he stands in this matter. Should he pay the overdraft now or should we inform Nationwide that he intends to claim back all his charges?

Thanks

If he, or you I guess, can pay off the overdraft I would do that now and then carry on with the claim.

Nationwide will more than likely close both accounts so make sure he has another account now and close the accounts once the overdraft is paid then ask for a cheque when you send off the first letter asking for the charges.

and if you pay off the overdraft, make sure you get the money from his successful claim!

Reclaimed Bank Charges SUCCESS stories

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