-
Best way to include list of charges in letter.
Hi all, I'm wondering what is the best way to include a list of all the charges in the initial letter that I send? For example is it better to send photocopies of the actual statemants with the relevent entries highlighted? Or should I just write a list of the dates and amounts charged in the letter and if so, how much…
-
Getting scared now - Lloyds taking me to court!
Can anybody out there re assure me? have just received letter from local court where my case has been refered to ordering me to pay £100 allocation fee! Am getting very scared as think bank intend to take this all the way. Am currently in d.m.p. and worried that my overall finiancial situation will be used against me and…
-
The cheek of it
Well OH's letter has gone off so will wait and see what happens with that I got a letter from HSBC today saying they have refunded the pathetic amount of £75 which was one charge, the amount of which they are quite within thier rights to charge me that amount and its my responsiblity to maintain the account. However its…
-
Self Litigation Costs
I am about to start MCOL agains MBNA. I have read that more and more people are including Self Litigation Costs to their claims. Can someone please give me advise on this. i.e. How do I calculate these costs, I have a record of all phone calls letters etc. and How do I show these costs on the MCOL. Do I include them in the…
-
statements from over 6 years ago
i have received bank statements from january 2000 with charges recorded, can i claim back for those?
-
Data Protection - Lloyds TSB
Hi all, now I know this has been posted probably 1,000,000 times before as I have looked through, but I have found more than one answer so what I need to know is where to send the letter asking for list of charges under data protection act for Lloys TSB. Preferably from someone who has succesfully got their statements back…
-
Card company to defend charges in court
My wife is being taken to court for a credit card debt. She admittied just over £4000 but disputes £968 which is the charges over a 6 year period. She went to court Monday and the Claimant asked for an adjournment as they were not ready. The judge was obviously not happy but eventually agreed awarding my wife £50 loss of…
-
tsb help needed
just found out on my tsb be account which i stopped using was over drawn by £84.17 and tsb are trying to charge me £442.23 in bank charges and are saying they are going to take me to court and add court fees unless i pay the £442.23 in full is there any way i can prevent having to pay this much in fees? thanks for any help.
-
Reclaim even though partial settlement made?
Hi Due to a divorce, collapse of my industry resulting closure of my company, and subsequently being out of work for 16 weeks (due to ill health) back in 2001, i ran up considerable debts. Through hard work, negotiation, some help from the CCCS and gradual repayments i managed to reduce my outstanding (defaulted) debts.…
-
Default Charges Vs Service Charges
After Trying To Reclaim My Charges From Lloyds Tsb , I Have Recieved A Letter From Them Claiming That I Am Not Entitled As My Charges Are Not Default Charges They Are Service Charges, As I Have Not Broken An Agreement With Them ???? I Assume This Is Because At The Time Of Being Charged I Did Not Have An Overdraft Facility…
-
Bank Inflicted loan to cover bank charges/overdraft
Hello, I'm new to this forum and have only just started the reclaiming process. However, I have a bit of a twist to my bank charges scenario which I can't find any templates for. I can't believe I'm the only one who has/had this twist so decided to post here for any advice/experiences on how to deal. When I got into bother…
-
Lloyds put in defence I need some advice plz
My son has gone through the process and got as far as going to small claims court. On the same day that the court advised TSB had put in a defence they paid an amount into his Select account, which was not the amount claimed and it was the wrong claim ref. Then he received written defence but no court date a few days ago…
-
bank wont pay up
i got a company to reclaim my bank charges in feb 2007 and they now say that i was charged £304 with them going to take there 10% i will get £276.they still have not paid me but i received a copy of my bank charges today from hbos and when i added them up it came to £733.i tried to contact this company but i have not had…
-
A witness statement
I have seen recently the term a witness statement.Is this a statement that i make and what should this statement consist of ?:confused:
-
Lloyds TSB and letters
I have an account with Lloyds, it had an over draft set and agreed by the bank, and I was overdrawn. I was paying a set amount on the overdraft each month as agreed by Lloyds (that didn't stop the letters coming!). About four months ago I paid the overdraft off in full and now the account is in the black. However Lloyds…
-
Claim through Ombudsman if lost through MCOL?
Thinking ahead: should I lose my case through MCOL, can I reissue my claim through the Ombudsman?
-
messed up?
New to this forum. I have just sat down to sort out my paper work for court hearing on 1st August to reclaim over £3000 in bank charges and realize I have made a horrendous mistake and all the paper work should have been in 14 days after the court letter was sent out, not 14 days BEFORE the hearing. I am new to making…
-
Who pays the Costs in court?
Hi guys, Just wondering who pays the costs in a small claims court. A friend seems to think you won't have to pay them in a small claims if you lose. Thanks
-
mbna settlement & payment plan HELP?
I am seriously in debt and have been trying to agree a payment plan with mbna credit card since january - when I phone they tell me to write, then i write and they say phone - they have been dragging it on for ages, meanwhile continuing adding charges and fees. I wanted to get something sorted before applying to reclaim my…
-
Bank charges
can anybody give me some information please, I have been procrastinating over claiming all the bank charges back for fear that the bank will close my account and I will have to go else where, could they legally put a note on my credit history to advise other banks???
