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Reclaim Unfair Bank Charges article discussion Part II

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  • casanicole
    casanicole Posts: 7 Forumite
    can anyone give me some tips against nationwide, claiming £3740, have sent 2nd letter after response from first was negative, 14 days nearly up so ready to file for court action, has many people gone to this stage with nationwide?
  • casanicole
    casanicole Posts: 7 Forumite
    lisazaazaa wrote: »
    Amount claimed £3900
    Amount refunded £2700

    I first wrote in March 07, used money claim online, Nationwide acknowledge then put in a defence. I recieved a copy of the defence last week, then this morning a letter saying they had put £2700 in my account, I phoned them and told them this was not enough, they informed me I had miscalculated, I checked, they were right. Full refund plus interest and all charges. Thank you Martin.


    did yoy issue court proceddings
  • casanicole
    casanicole Posts: 7 Forumite
    hi lisazaazaa
    did you issue court summonds?
  • Edinburghlass_2
    Edinburghlass_2 Posts: 32,680 Forumite
    10,000 Posts Combo Breaker
    casanicole wrote: »
    can anyone give me some tips against nationwide, claiming £3740, have sent 2nd letter after response from first was negative, 14 days nearly up so ready to file for court action, has many people gone to this stage with nationwide?

    Please read the Nationwide thread which you'll find linked in the Reclaim Help Thread for other user's experiences and tips.
  • Edinburghlass_2
    Edinburghlass_2 Posts: 32,680 Forumite
    10,000 Posts Combo Breaker
    lottieru wrote: »
    i know i can claim back the £35 charges but can i also put on the £8 per day unauthorised overdraft fees?

    thanks in advance

    Lottie

    Sounds like Yorkshire Bank, if so then yes.
  • peter191260
    peter191260 Posts: 10 Forumite
    had a letter this morning off abbey offering to pay 65% of claim as they say more or less that they are entitled to charge something and if i accept this offer as soon as they hand over the money they want me to withdraw my court action is this something they do all the time and should i accept just to ensure i get at least some of my money back or should i keep going and try and get it all
  • lornao1
    lornao1 Posts: 38 Forumite
    Part of the Furniture Combo Breaker
    casanicole wrote: »
    can anyone give me some tips against nationwide, claiming £3740, have sent 2nd letter after response from first was negative, 14 days nearly up so ready to file for court action, has many people gone to this stage with nationwide?
    hi
    filed on mcol on 30/4
    nationwide acknowledged on 3/5
    heard nothing so pressed for judgement by default on 5/6 (2 bank hols etc)
    nationwide defended on 6/6
    money started appearing in my account 14/6
    recieved letter confirming all charges to be paid back.
    got the whole lot back !!!
  • eddiekerr
    eddiekerr Posts: 8 Forumite
    hi all,

    this is my first post but i have been on here viewing and searching for a good while now,

    im looking for some reasurance (although not legaly binding lol)

    07 08 2006 - asked for statements
    not sure - sent letter asking for charges
    28 11 2006 - got usual letter, sorry about charges but they are fair, bla bla
    01 12 2006 - sent letter back saying give it up or we go to court
    12 02 2007 - filed with mcol
    26 02 2007 - intending to file a defence filed
    23 03 2007 - got hearing date of 29 06 2007
    15 06 2007 - at the last minute i filed my witness statements of all documents that i have and intend to use (now im scared)

    lloyds have not filed a defence or presented me with any documents that they intend to use, is this going to court,

    what can actually happen here and if they do present any documentation can i object to the judge as they have not filed nor presented this to me,

    hope someone can help put me at ease here, i keep watching the mail to see if i get a settlement offer but nothing,

    thanks for looking

    Eddie.
  • techspec
    techspec Posts: 4,464 Forumite
    SUGARSPICE wrote: »
    Thank you every body for your replies.

    So is this right?

    Im using Martins POC.

    No4: Under the County Courts Act,the claimant is entitled to interest of 8% per annum from the date they were deprived of the money.This totals (Insert interest calculated from calculator),accuring at the dailt rate 0f (for me it would be 0.27) until judgement or payment.

    So would I put £0.27?

    im not sure if Martins made 2 mistakes on his POC.I might be totally wrong but on Martins it says accruing at the daily rate of 0.021% until judgment or payment.

    Has Martin made a mistake by not putting ( work out your Daily Rate) ? Hes not used any brackets with & (work out your Daily Rate inside).Hes put 0.021 when it should be the rate youve worked out.

    Also shouldnt it say on No:4 Under SECTION 69 of the County Courts Act 1984 instead of Under the County Courts Act?

    Like I said I might be wrong.

    Thank you.

    Martin has put the daily rate as a percentage. This means that there is nothing to work out, as everyones daily rate as a percentage is the same. You are putting the amount in pounds and pence. Both are acceptable, and mean the same thing.

    I would put 'under section 69 of the county courts act 1984'.

    That is why my POC was a mix of Martin's and the CAG, as i have picked the clearest bits from both.

    But your daily rate is £0.27. Forget about the percentage version.

    Anyway, have they made you redo it? I assume you have phoned by now. If so, put your POC in here for checking, taking out your account number.
  • princesskez26
    princesskez26 Posts: 624 Forumite
    eddiekerr wrote: »
    hi all,

    this is my first post but i have been on here viewing and searching for a good while now,

    im looking for some reasurance (although not legaly binding lol)

    07 08 2006 - asked for statements
    not sure - sent letter asking for charges
    28 11 2006 - got usual letter, sorry about charges but they are fair, bla bla
    01 12 2006 - sent letter back saying give it up or we go to court
    12 02 2007 - filed with mcol
    26 02 2007 - intending to file a defence filed
    23 03 2007 - got hearing date of 29 06 2007
    15 06 2007 - at the last minute i filed my witness statements of all documents that i have and intend to use (now im scared)

    lloyds have not filed a defence or presented me with any documents that they intend to use, is this going to court,

    what can actually happen here and if they do present any documentation can i object to the judge as they have not filed nor presented this to me,

    hope someone can help put me at ease here, i keep watching the mail to see if i get a settlement offer but nothing,

    thanks for looking

    Eddie.

    If they ve not filed a defence was you not able to request judgement by default at the time ? Usually you get a hearing date as they have filed a defence so it gets passed to your local court for one to be set :confused:
    Member & fundraiser for Meningitis Research Foundation
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