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Request for statements
I know the bank have upto forty days to send the statements to you, but is this 40 working days or just 40 days? All advice would be welcomed. I sent the first letter to three different companies requesting my statements / charges and not one of them has come back to me. (none of them have cashed my £10 cheque either!). Is…
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reclaiming from old accounts - a few Q's
Hi all, fantastic site which I've been perusing for quite some time now. :T I'm currently setting the ball rolling with the reclaimation of bank charges from barclays and halifax from my most recent accounts. However, I have had other accounts prior to these which I'm sure I can also claim back for, though this will be a…
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Money claim online form
Can someone please tell me which form from the list do we ose totake my sons building society to court, we have looked on the MCOL site but it doesn't really specify which form we should use to start his claim with
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Can I Accept Partial Offer and still proceed with the claim?
Lloyds TSB have sent me a letter offering me a "full and final" settlement of £170 on my credit card account, bringing the charges to £12 each ( my claim is for £488 without interest) Can I still take the claim further? Is £12 an acceptable charge?? I have read on the forums that a partial payment can be accepted. Is there…
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Out of the blue...and I haven't even tried to claim!!
Hi all, Thought you might find this as curious as I did... I closed my LTSB account about a year ago and thoght nothing more of it. I haven't been going through the reclaiming bank charges process because I didn't think I had any to claim but I have been watching the sucesses etc here because my DH has been claiming.…
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Offer from Bank (help)
Hi Been just looking at this site for a while and decided to have a go, I have followed the guides in here and got to the mcol stage (5/4/07) got a response from the bank (Natwest) offering me all charges of £1886 and they have now acknowledged the claim giving them until 8/5/07. Would the offer affect the claim at all and…
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sorry stupid question- timing of filing with MCOL
I have sent my letters 1- got statements 2-added up and asked for money back- Offered 1/2 3-refused offer- said wanted full amout or going to court now recieved letter saying getting no more- charges fair etc now I know I should now file with MCOL and will do, but Im strapped for the fee until next monday pay day, and it…
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Can I claim charges up to the day I send my letter advising of how much I am claiming
I am sending my letter today advising how much I am claiming for. Can I claim for all charges up to today?????
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Help ... just started MOL and cheque arrived
Hi guys, Started court proceedings with MOL on 10/4 with Alliance and Leicester for over £3k. They've not acknowledged yet, but got a cheque for £900 this a.m. with a long letter saying goodwill gesture, charges fair, etc., etc. Can someone please let me know the correct procedure for returning the cheque ... want to hold…
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Bank charges again
I've just read an e-mail sent from the Fool website regarding a Mr Tom Brennan & his crusade against illegal bank charges. It's his opinion that there's a possibility that claims may be made in excess of 6 years due to a certain clause in the statute of limitations. Just wondered if anyone here had tried this & if so, what…
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Sting in the tail
I successfully claimed from HSBC the last 6 years bank charges BUT in between receiving my claim, although they had acknowledged it in writing and said it was receiving attention, and then refunding me £725 (although I had only claimed £650), I am now informed by the bank that they are going to charge me £150 for the month…
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please help bank charges
Can anybody please advise me how to claim back bank charges totalling £11k as small claims court only goes up to £5k. Already sent bank 2 letters in process of applying to court. Any guidance would be most appreciated. Thanks cazwaz
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I may have messed up on my second letter........
Firstly i would like to thank everyone for their helpful comments on this subject , i wouldn't have got this far without you ! I got my statements from Natwest, worked it out , £1400ish , did the calculator , did a spreadsheet, included with my letter. I sent the letter today , but ive just realised I sent the letter…
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Advice needed please
I need some advice please. I filled in my allocation questionnaire last week, and am waiting for D and G solicitors to send me a letter to ask for my list of charges. So I am preparing that, just in case. I have discovered that I missed out some charges. I feel that by changing that now, it will delay things, and it has…
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Somebody Please Help
I have been requesting my bank statements from Lloyds TSB for more than the 40 days and they have now sent me 20 pages showing just charges. Am I correct in thinking that they should be sending me my actual statements as requested?????? How can I be sure that they have noted all the charges on these sheets? They have…
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phoning
hi, before i fill in my claims to go county courts shall i ring up the companies, but i'm not sure what to say.
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MCOL before bank has even responded
sorry if this has already been answered. I'm being a bit impatient and was thinking of taking HSBC to court before i even get an offer rather than waiting 8 weeks and then taking them to court, from what i read no-one seems to get offered the full amount unless going to court, and i'm willing to accept no less. Would this…
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Understanding interest calculation
Hi there Can anyone tell me how the interest stuff works? I'm using the calculator on this site and I see how it charges more interest if the charge was longer ago but I can't find anything on this site or any other to describe exactly the way it does this. I realise that you are obviously owed more interest if the charge…
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Where To Send 2nd Letter
just wondering where does the 2nd letter get sent to my local bank or a head office? im with Halifax does anyone know? thankyou
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Naievity in reclaiming bank charges
Last night in our local, talking to one of the "Pub" know it alls, he is reclaiming his bank charges through a company. I was shocked he was saying that his case would be dealt with quicker as he was using them, and they would pay out more quickly as it was such a large amount of money, no it was far too big an amount with…
