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Ignoring my letters
I am in the process of claiming my bank charges from RBS and I sent the stage 5 letter threatening to go to court, 14 days ago and they have just ignored everyone even tho I sent them recorded delivery to my local branch and I have checked and they have recieved them. I have just sent the form to the ombudsman today. Is it…
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old charges
hi all i was wondering if anyone has any advice for me.i took out a loan with my bank and was paying it off faithfully until september 2004 when i had a bad accident which resulted in me being on medication for a year i sent the bank two claims fro insurance which they said that they had lost.anyway from owing them £800…
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Defence
Hey all. When putting together my form on Money Claim online, under the particulars of claim section all i put was "a claim against unfair bank charges." The bank have since defended the case, and yesterday i sent to the court a more detailed particulars of claim (without the N244 form and fee) to be put on file and sent…
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Claiming Bank Charges
Hello Just about to begin bank charges reclaim procedure - my wife and I have 3 separate cheque accounts with the same bank - is it better to send in a claim for each account individually or all together at the same time? Just heard this am that my parachute current account has been approved. Thanks
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Help Re Understanding My Daughter's Statements
Edinburghlass. I know you have responded to this in another place, for which I thank you. I had previously printed out most of the links you gave, read and reread them several times. I just cannot understand things in my daughter's statements, as listed below. I would appreciate someone to answer my questions if possible…
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HELP i'm stuck at stage 5,
i'm in scotland and i sent my stage 4 letter (threaten to take it to court) just over a fortnight ago, i am claiming £1200 including interest. Can anyone give me any advice as to how to proceed now as i know that the situation here differs to that in England and Wales. (i have had no reply from lloyds tsb btw) Thanks :o
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Advice please? New to this!
Dear all, I am looking for some advice regarding whether it is worth it for me to attempt to reclaim my bank charges. I have just studied my previous 6 years bank statements online and I have accumulated £221 of charges all during the period 30/7/2004 to 30/9/2005, due to exceeding my overdradt limit. My account is with…
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Overdraft charges?
Hello to you all. If i have an agreed O/D limit.....is it wrong for the bank to charge me every month on the interest? i.e O/D limit is £9000.00 Balance say £7000.00 pound monthly charges £77.00. Thanks, Dave.
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Claim interest or not?
Hi! Does it really make a difference to claim interest right at the start of a claim? I made my initial claim including interest using the template letter on this site to LloydsTSB but I read on the CAG site that its best not to claim interest at this stage but later on. I havent heard from Lloyds but I am just about to…
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Judgement By Default
I Have This Morning Started The Process Of Judgemeny By Default Against Barclays Bank, However In The Post I Have Just Recieved A Settlement Figure For Just Under Half Of My Claim, Does This Affect The Judgement That Was Already Requested?
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which court?
this is my first post - hope i'm doing it right! I'm about to send my third letter to the bank - HSBC - threatening court action. Thing is, how do i find out which court i need? Thank you, crisgal x
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My claim has been struck out of Court - What do I do now?
Hello All. I have been in the process of following Martin's instructions to reclaim the charges over the last 6 years. The RBS appointed a solicitor to defend their case. In a letter they stated the following: "In your claim you state that the charges are: "an unfair penalty under the Unfair Terms in Consumer Contracts…
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Charges increased - should I claim them?
Hi Here is a question for you .... tomorrow, 3rd July, is my deadline for the Nationwide to respond to my promise to take them to the small claims court expires for charges totalling £140. In the past 14 days, my account has slipped into the red and a further £60 has been charged in unauthorised overdraft charges making…
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Direct Debit Charge
if you don't pay by Direct Debit most companies including Mobile phone operators charge you what do you think of this as i'm near to taking 3 to court over these "illegal" yes they are ILLEGAL charges as they can't charge you excessive fines, make profit on there charges or give charges outside court anyone else with the…
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I need Help. Please.....xxxx
Hi Peeps, IM VERY NEW TO THIS BUT AFTER READING MANY OF YOUR STORIES I DECIDED TO CONTACT MY BANK AND CREDIT CARD COMPANIES TO CLAIM THE CHARGES. ONE OF MY CC IS WITH BARCLAYS AND THEY HAVE FORWARDED A COPY OF ALL OF MY STATEMENTS WITHIN 2DAYS, WHICH I WAS SHOCKED AT. WHAT IM NOW NOT SURE OF IS WHAT I CAN CLAIM FOR. AS FAR…
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help please-no luck with bankers association
hi, all I have just had a letter back from the bankers association saying they couldnt find any details matching the information i had given them. I do not have any ols statements or information relating to my old natwest account to claim back charges. I provided them with all my old addresses and branch of bank etc. It…
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Please Help!!!!!!!!!!!
I started to reclaim my bank charges in March, and it's now going to court. I paid an initial fee of £130. After a few weeks I received a letter asking for a further £100 allocation fee(?). I duly paid this and have now done some research online only to discover that the court should have issued an 'Allocation…
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Help with my court process please
Hi Ill try and keep it short and to the point, Jan 07 I began reclaiming my lloyds tsb bank charges and after all my letters I finally applied online with money claim on the 9th of May. It was deemed served to lloyds on 15th May and they had until 29th May to reply. 24th may I had a notice of acknowledgement of service and…
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Court Details - HELP!!!!
:confused: I have just rang my local court because my claim against LLoyds Bank has been transferred to them. The problem is I asked the lady on the phone at what stage it was, she then told me that the judge has requested more particulars of the claim for the charges, she then said that they would not accept photocopies…
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Whats the highest known charge??
I have read a fair bit about peeps being charged etc and the amounts vary from person to person, but the maximum tends to be round the £30-40 mark. I have many £80 charges and even 1 for £90 for a Direct debit that was refused. Is this the norm or have my bank really taken the pee?? I'm just curious as like i say i see a…
