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Commercial Accounts
Has anyone claimed refunds on commercial accounts? Do the same rules apply? Thanks in anticipation
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HSBC offer to pay £3,370.95 against £3,520.50
Hi - came on yesterday to ask advice about Notice of Acknowledgement from court - and have just come home to letter from HSBC offering the above. I am happy to accept their offer (£1,000 less than court claim as no interest) -although sad I've got to use it to pay off my credit card, but hey, it's paid off ten years sooner…
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new information- about going to court
i've found on a website, information on requesting that the banks defence is thrown out of court as it is an abuse of process. it is based on the fact that a previous case was thrown out in the persuers favour as it was questioned that the bank was using delay tactics and intimidating it's customers. anyone know anymore? :T
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Sent letter for claim but am owed much more....
OK, having a blone moment, so please help me. I sent a letter to NATWEST after a really bad Dec/Jan I accrued £650 of charges! They replied 2 weeks later offer to refund £578 as a goodwill gesture but this would be in full and final settlement. I have not responded to their offer (I have an 8 week window!) and have now…
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What about overseas residents?
I moved to France 3 years ago but retain my UK bank current account, and have had charges for exceeding my overdraft limit both before and after I moved to France. Can I reclaim any charges even though I'm not a UK resident?
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Bank Comparison
Dear Martin, I would like to thank you very much for your very helpful page on reclaiming unlawful bank charges, and thought you might be interested to know how different banks have been reacting. I heard about your site through a colleague, who decided to follow your advice. Myself and another colleague, plus my brother,…
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Quickie question re: HSBC/A&L
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Question about totaling charges
Hi, I am just about to take my bank to court over my bank charges and the question I have is when I first wrote to them I stated the amount I was claiming for but since this we have had more charges added to our account. Do I have to put the amount I first stated or can I add them all up, including the new ones? TIA,…
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Started MCOL but received offer letter
Hi can anyone tell me what the best thing to do is. I filed MCOL on Monday and received an offer letter today from Natwest for the full amount minus interest, £7521... Do I cancel MCOL, is this even possible, or do I let it carry on until the money is in my account. Should I sign the acceptance letter and send it back.…
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Customers cheque bounced - my bank charged ME
Hi. I paid in a customer's cheque in to my company bank account. First the cheque was re-presented, then it was bounced and sent to me by the bank marked as "Refer to drawer". I noticed on my statement that my bank charged ME £4.00 for each time the cheque was unpaid. Is this allowed? Why should I be charged because of…
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I'm confused about the court fees please help!
So I put a claim in with the Mcol online which has cost me £120. The bank has put a defence in. Recieved another letter from the court a few days ago with a question form in to fill out. The same day recieved a letter from the bank saying they would pay me half of the claim back if I'd accept. The claim is for £505 they…
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Two Accounts
Hi, I have two accounts with Barclays, am just about to send the 1st letter. Do I send cheque for £20 to cover two accounts? Thanks
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I need help with reclaiming bank charges
Due to excessive unauthorised overdraft charges on a account I had with Halifax Plc, my account resulted in defaulting and being closed down and put as bad credit on my credit file. After reading about reclaiming bank charges i decided to try and claim the charges back. I still hold an account with Halifax (visa electron…
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Natwest Graduate Student Account
I currently have a graduate account with Natwest and I have a 2,000 pound overdraft facility as interest free. During my three years at University I was charged numerous times when my loan had not cleared, direct debits taken out early or I simply went over my overdraft when buying groceries. I was charged 38 pound each…
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Why are banks stalling for time?
Seems something regarding the OFT, what are the OFT expected to say?
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the bank has defended my claim!!!!!!!!!!
today i entered the money claim online site and found that the bank has defended my claim and i can no longer proceed online. has anyone taken it any further than this, as i am now very worried!!?!!!! :confused:
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Lloyds TSB-Defending my claim
Lloyds TSB are defending my claim which is making me extremely nervous. I have send the bank statements to them highlighting all of the charges over the past two years amounting £620 (including £80 charge for starting court procedure). Has anyone else experienced this or have they any advice? All the stories on here seem…
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Yet more stalling tactics ?
I have just submitted my request for a judgment, after Halifax ignored my summons and didnt even acknowledge it.. I think they can afford it, so Ive asked them to pay immediately ! (£302.70). However I seem to be getting conflicting advice from the court staff, They have said that Halifax can still ask for the judgment to…
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Which Address
For the initial request for your information/statements under the Data Protection Act please use the the address given in the first post of the Reclaim Help Thread, this is linked in my signature. For your first letter asking for your charges back use either your local branch or your bank's Head Office. Make sure this…
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Successfully reclaimed interest
Last year I was called in to LLoyds for a 'financial review' It's hard for them to save me money after you subscribe to this site, but anyway..... I was talked in to a Platinum account. It costs £15 a month, but the free services and products suited my needs and saved me money. I realised that I was not getting interest on…
