Reclaim Unfair Bank Charges Discussion Area

esmerellda · 28 March 2007 at 7:31PM

Couple of examples from the success thread for claimants against abbey

2387 claimed
2100 received

3111.00 claimed
2250.00 received

9025 claimed
8350 received

580 claimed
465 received

150 claimed
100 received

This is because the thought of going to court has worried people into accepting less than they are ENTITLED to.

Abbey are difficult - not particularly more so than others (except natwest and RBSS who at them moment are quite simple)

Abbey are likely to take you up to the court steps. They are likely to defend, enter AQ's, and let you comply with directions before settling a couple days before a hearing.

Abbey do turn up to prelim, allocation, case managment and directions hearings.

You will win 100% of your charges back plus 8% interest plus court costs, stick to YOUR timetables, follow the process, and comply with orders from the court....and be patient and do not let the thought of court scare you - the judges are as hacked off with them as we are, and Abbey won't show at a full hearing for a standard bank charges plus statutory interest claim...but be prepared to take it to the steps of the court.

fumingforcash · 28 March 2007 at 7:39PM

Hi Esmerellda
Thanks for this. It sounds a bit daunting but we will proceed. I assume we follow the guide to the letter on this site for the court process or we will encounter probs. We have asked for the 8% already in the total claimed but do we subtract this in the court claim?

saver_mum · 28 March 2007 at 7:44PM

pennyearly wrote: »

Called Alliance and Leicester today, spoke to an advisor to ask if they had received my 2nd letter as I'd not heard anything.
She told me that they has sent out a 2nd letter on the 15th March basically saying that the bank is not going to pay and she would send a copy.
So I will now have to start legal proceedings.
Can't believe so many people have got their charges back that I know, but I'm having to take them to court for mine. Has anyone else been dealing with Alliance and Leicester and had the same outcome?

Many thanks

Yes i thought the same as you... why were we one of the ones that had to go to court!!!?
but we did and won to the tune of £1045!
so dont be put off submit your mcol...
we filed the case they acknowledged and 5 days later cheque arrived..along with letter saying we would be contacted shortly to discuss the use of this bank account..
we have already opened a halifax account with a £100 cash back and a 120 day interest free overdraft ...! so we dont care!!

redruby · 28 March 2007 at 8:17PM

Twinkly wrote: »

From the tone of your post I think you want a way out of the court process ?

If not - I would write to the solicitors advising you withdraw your acceptance of settlement on the grounds of unreasonable delays in processing correspondence and non-payment of settlement to date. You can then continue to court for the full amount & interest & costs. This would be my choice personally. You cannot delay payment of the AQ fee though.

If so - ring the court and inform them you have settled with the bank and they will advise you what to do with regard to stopping proceedings. It is then up to you how long you are prepared to wait for payment.

You could write advising the bank that settlement is accepted and in the hands of their solicitors should they wish to check and that you require the monies paid into the account immediately upon their confirmation. Do this in writing recorded delivery. Also get in writing from the solicitors the date they expect to or have informed the bank of your acceptance.

Advise the bank that ,from information given by the solicitors over the telephone, that you expect settlement to be paid no later than friday. You have waited long enough already in my opinion. You owe them no favours, start insisting

Thanks Twinkly,

Its not that I want to stop the court process, they have already offered me all of my claim back minus 80.00 which was out of date, so would not gain anything from going to court. I guess what I really wanted to know was: is the offer letter from the solicitors legally binding ? And can they withdraw the offer should I stop proceedings ?
Thanks again

cloth_ears_2 · 28 March 2007 at 8:18PM

ADVICE REQUIRED!!!!!received response from citicards to my letter before action today. They state to allow them to review my request they need to retrieve copies of my statements from archives and this could take 3/4 weeks but maybe sooner if I had previously requested these through SAR(Ididn't coz I had copies of all my statements). I provided them with a list of charges dates etc.
What now do I wait or proceed with court action if no further response within the 14 days from date of LBA which will be another week. If I proceed to court do I need to inform them again??

abbybar1234 · 28 March 2007 at 8:18PM

LI had got to the stage where I filled in a Court QA and the court have now sent me a General Form of Judgement or Order, saying it be having a hearing and I have till 24th April to settle by mediation or negotiation...

Has anyone else been here that can pass on some advice - Im not giving up now it's come this far?

Please help?

nikki.paul · 28 March 2007 at 8:36PM

Hi

I am trying to reclaim over £7000 from both my natwests account over the last 6 years. They have informed me I must send in six years worth of statments with all the charges highlighted ( would need to do a manual handling course to carry these).I have copys and have completed the charge calculater with interest( how great is that ) and printed this off along with the letter. I have requested a second copy of charges as I do not want to get rid of originals but twice they have sent me just 1 years worth. I sent off the letter with the calulation and after 14 days heard nothing. I rang them and they just say it will take 8weeks and they need the statments. Are they being difficult or am I unreasonable not waiting 8 weeks and not sending in bank statments. Should I do the follow up letter

COPPERHEADJACK_2 · 28 March 2007 at 8:43PM

my dad wants to claim back charges from barclaycard but does not have his account number as it is now in the hands of a DCA can barcalaycard send copies of his charges if i just supply his name and address and the template letter frm the main page.

becksjg · 28 March 2007 at 8:47PM

Hi, Am new to this site today after discovering that in the last month we have been charged almost £300 in charges!! In big money trouble now and need to sort this out.
I think I am either overtired or just being plain stupid, but.... do I write my first letter asking for details of charges to my local bank or to the Data protection address that is listed on the site?

Any help greatly appreciated.

nadine12 · 28 March 2007 at 9:01PM

I am starting my initial claim letter tonight but am unsure whether to claim just the charges or the statutory interest aswell. Have been on the CAG website and they say don't mention the statutory interest until the court stage as you are more likely to get refused. They also say to claim overdraft interest on the portion of the overdraft which is charges but its all getting a bit complicated for me!! Just wondering what other people have done in their initial letter and also whether they have stuck to the template or personalised it to themselves? Thanks!

Reclaim Unfair Bank Charges Discussion Area

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