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how do i re-serve a claim???
i have to amend my claim due to my incompetence and after contacting MCOL they say i have to re-serve my claim to defendant ie HSBC.....how exactly do i do this? is it by a recorded letter or something similar or do i have to take it to my branch personally??? feel like im the heavy mob lol:rolleyes: sorry guys to edit but…
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Reclaiming Bank Charges Hearing
So I've played hard-ball with Barclay's and they've mounted a defence to my claim. Received a letter this morning informing me that the hearing will be in just over a month. I was wondering how many other people have got to this stage as I was reading that this is rare. Am I right to be feeling a tad apprehensive at this…
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Method of payment
I am claiming back off HSBC. I have an o/d of 1500. If I close my account, will they be forced to pay me my money by cheque if I win? I realise they may issue a final demand for the overdraft, but I will go to the courts to ask to pay it back gradually.
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blackhorse charge off old loan
i had a charge on an old loan i had (where i'd defaulted quite a bit - agreeded reduced payments etc) and it was for £175 which was when they transfered it to one department to the collections dept which was based in the same building in cardiff? can i claim this charge back? obviously i defaulted on agreement but have…
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Loads of help & advice needed please
Ok so here I am about to try and do battle with the banks Few questions really.. I am no longer a customer of the people I am going to write to they were paid off in full back in 2004! 1) Their bad credit still reflects on my credit report can I request both bank charges back and clean up my credit report as it remains at…
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Bank charges
This might be of interest. Am working for a major bank. have claimed £ 4000+ in charges and interest. just received an offer of £ 3000+. no interest! will persue for the full amount. It costs the banks approx 13 to 20p to reinstate a declined direct debit. FACT. they charge £ 38 If need be will appear in court myself. no…
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Help with reclaiming interest
Hiya, this is a bit complicated, so sorry if it goes on a bit. Basically my partner had a loan account with lloyds tsb, everything was going along tickety boo, payments made regularly on time etc etc. Then he fell into a bit of a financial mess and ended up having a debt management company handle his finances since 2004.…
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2 accounts for bank reclaim charges
Im with the bank of scotland and i phoned the bank to find out the address to send my letter to, to reclaim the charges (i didnt as i have requested the statements over the phone). I have 2 different accounts and i have recieved statements for one account and am waiting for the statements from the other account. When i…
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Overseas claim for bank charges
Hi there everyone, first off, i want to say that this website is AWESOME, so resourceful. I am a UK Citizen born and bred, however I have been living in Canada for the last 4 years, I would like to apply for my bank charges to be returned to me but I am unsure if i can do this if i am no longer a resident? Also my last…
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Shabbey Abbey Not Even Bothered to Read Letter!!!
Received my copy statements .... found just over £1000 to claim back (including interest). Covers 3 accounts, one of which was joint with now ex-OH. To avoid complication or reason for delay, got a letter signed by ex-OH to say I am authorised to act on his behalf regarding this account only and that any correspondence…
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ive sent the letters 2 the wrong place i think
I sent the letter to get the list of charges to my branch rather than the address specified on the site for RBS, will they still send me the details or will i need 2 send the letter 2 the address on here as well? i dont know what 2 do!!
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Finance Charges
I have a finance for a college course I started just over a year ago and my direct debit got cancelled due to them not setting up a proper mandate.... so ive been paying by debit card and been overdue all the time by a few days, due to paying by card. payed yet again on the day saturday the 14th when my bill was due and…
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bank charges
hi i would like to find out if i can still re-claim bank charges if i still owe money to them (rbs). i had a loan with them about 6 yrs ago but had to stop work so stopped paying it therefor the started charging me all the time. they also said that iwas going to court got the court letter in and everything but that was…
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What Can I Claim
Hi All I am just going through my bank statements highlighting charges, ive come across something listed called TRANSFER and next to it a large sum of money was taken from my account by the bank without my permission, this was due to missing a couple of loan payments i think, they left me with 10 pence in the account and i…
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3 bank accounts
Just after a little advise on how to start. Got all the information, printed and signed initial letters to start. We've got 3 bank accounts, the one we use mainly has overdraft facility of £2000 which we're close to on most occasions although we don't go over it anymore, the others are not used but we pay a regular amount…
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Whistleblower woman worked for the OFT
My suspicions that The Office of Fair Trading’s all too cosy relationship with the banking industry are sadly becoming more justified by the minute. In my earlier thread ’Just fancy that’ I posted a link to the OFT’s latest appointment of one Cavendish Elithorn who has just been made an OFT director. His previous employer…
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What should I do next ???????
I have submitted by claim to the bank which a reply is now two weeks over due. Today someone from the Recovery Dept has telephoned me to say my claim is in REVIEW. She also advised that they will only pay claims 'under £1000' but would not state the limit of pay out. My claim is for nearly £3000. She sorted of intimated I…
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claiming more than 6 yrs
According to some posts on the cag website it is possible to claim more than 6yrs worth of charges. I am about to start a buisnes claim going back to 96, i have all my statements. Is it better to do just 1 claim or to split it, 1 for the last 6yrs and a seperate 1 for all previous. Also with it being a buisness claim is…
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False Alarm but have banks discovered a softer side!!
Got all excited - had a message call my bank!! saying as im at court stage and they have until tuesday to acknowledge or defend i was thinking "yeah they wanna settle it" rang them and it was the collections side of them asking when i was going to pay back my £300 overdraft!! told them i will pay it off when they pay me…
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Can't Work Out The Interest!!!
Hi - I don't know how to work out the interest - I've got 197 separate charges over 6 years - do I need to use the charges calculator to work out the interest on EACH CHARGE? Or can I use the total amount owed instead?
