-
N1 or MCOL
I have read many threads both on here and on the Consumer Action Group site and am slightly confused as to whether to make my claim using MCOL or to fill in the N1 form .. from peoples past experiences can anyone suggest which is the best route to take or does it not really make any difference. Thanks to everyone for all…
-
A small amount in bank charges! is it worth reclaiming?
Hi I recently contacted my bank to ask for the repayment of bank charges. It is a relatively small amount just under £300, but it's money I could do with at the moment. I received a reply today whcih stated that the OFT statement regarding unfair fees related to only credit card charges and NOT fees on current accounts.…
-
help!!!!
hey there sent my letters away about three weeks ago requesting statements from at least seven diffrent companies and have only recieved one letter back to say they have recieved my letter and cheque and will have he information sent out within the 40 day deadline how long does it usually take for them to get back to you
-
Mcol Claim Particulars.
I've posted in the MCOL thread but no one is answering, pleeease help as I want to submit this evening!!! There are so many different templates for the claims particulars I'm getting confused. The one Martin has on the main webpage differs to the several that have appeared in the MCOL thread... I have this:- 1. The…
-
Can I claim back charges when in default?
I had a current account with HSBC, it's in default which I'm dealing with and have a payment plan to clear it. I am also a FT mum looking for a PT job to clear my debts. My ques is, in the o/s balance that I owe HSBC, £600 of this is charges, can I apply to them to refund them and get the o/s balance reduced? Grateful for…
-
Claim error help
I have got to the stage of making a court claim against my bank for the charges they have levied for the past six years. In August 2006 they charged £100 which I claimed and £30 for a returned standing order. I complained about the latter, as I had already cancelled this and they agreed to repay this charge - I didn't…
-
filing tomorrow - help needed! joint names on a claim?
Hi! both my husband and I have been charged and we would like to make a claim. However does anyone know if I can enter 1 claim in joint names, as this would cover our individual accounts and the joint one? Thanks in advance Elliebellie
-
Recalculating stat interest
I have calculated the interest owed to me at £139.50 + charges However, this was 2 months ago when I first started the procedure. Now I am going to file to court, can I recalculate it as from today? (I'll only be a few pounds higher all told but its the principal!) or do I have to stick with what I have been asking from…
-
Abbey
Hi, Please Can Someone Help Me, Ive Written To Abbey Asking For My Last 6 Years Statments, And Enclosed The £10 Cheque,i Have Recieved A Letter 7 Days Later Saying" "i Am Sorry That You Have Been Unhappy With Us,and We Will Be Doing A Thorough Investagation, We Will Write Within Four Weeks And Let You Know What Is…
-
Can You File A Claim For Free??
Is it possible to file a court case for free? I'm on min wage and have been trying to take my creditors to court since October last year, so far I have only managed to take the cheapest creditor to court. I am finding it impossible to take anyone to court as I'm in so much debt I've no money left every week. The Ironic…
-
14 days....
Afternoon all! I sent off my second letter to HSBC on the 15th March detailing how much I thought that they owed me and gave them 14 days to reply. Now does that mean that I have given them 14 working days or should I expect a response by this thursday? Thanks :j
-
Claims and loans
Hi, Does anyone know whether I will have problems with my loan if I make a claim and the bank closes my account? The bank can't just demand the money back can they? Any help/advice would be much appreciated. Thanks, Alex
-
Reclaim Bank Charges
Hi I had a reply from my bank specifying that they have received my complaint and that they are making enquiries to my complaint and will respond to me within the next two weeks, Do i have to wait for there reply before i take court action? Is this acceptable or is it the bank fobbing me of,
-
Charges for returned cheques
Got somewhere with Alliance and Leicester, so now time to tackle Natwest!! On the letter to request details of all charges, it states "default charges for direct debit, unauthorised overdrafts and standing orders". Should I just amend this sentence to also include returned cheques? Also charges apply to 3 accounts. Do I…
-
Banks ignored my letters
Hi all - this is my first thread! I started the process of reclaiming my bank charges last summer - I wrote letters to HSBC and Barclays asking for my last 6 years statements - I included the £10 cheque and both wrote back to say the information would be sent shortly (both returned the cheques). HSBC sent the statements…
-
Reclaiming handling charges for Non-DD use
Sorry if this has been posted elsewhere but I can't seem to find it. I've been told that charging for the non-use of a Direct Debit (i.e. when you don't set up a Direct debit to pay monthly and get charged as a result *see T Mobile*) is also illegal (quite right too). Can anyone confirm this and point me to the appropriate…
-
attachments for 2nd letter
I am in the process of sending my secon letter. I just wanted to know if you should send copies of the statements or just a list with dates on and the cost of the charge. Also is it best to send the second letter to your local branch. Thanks for the help I am determined to get my money bak which equates to about £1000 but…
-
Help please??
I put a claim into HSBC for £2700 including interest and today I have received an offer of £1794.00. Whilst I don't want to appear greedy, I'm not sure whether to accept or go for the full amount. Initially I was pleased with just to have a reply as their letter of last week stated they would reply by 14 April so I wasn't…
-
is it too late is starting claiming back my
Bank Charges. many thanks
-
ready for court
I have charges of £3913 with Halifax and havesent the first two tempate letters with no decent response yet!! Im from Northern Ireland so have to claim too much to go through small claims court, does anyone know if it is possible to split my claim so I can claim for the full amount in 2 separate claims and not have to be…
