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Are Monthly Overdraft Interest Charges Legal????
Hi, was just wondering if anyone could clarify if i am able to claim back the monthly charge for my overdraft???
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Overpaid
I got my charges back last week, I had agreed to recieving 75% of what I was owed. When I went to collect the money 100% had been paid in so I withdrew the lot. Now the bank are saying I owe them the 25% Do I have to give it back?
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clarification of genuine hardship cases
If we believe that we are a case that may be a genuine hardship case, what should we do?? How is genuine hardship[ to be defined?? I would say mine is (and im sure many of you would to) Im a single parent, recently seperated from my husband, loads of debts and a full time carer for a disabled child. Al of the charges they…
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Teen Cash Class Tonight (8pm) Shameless Plugging
My Tonight "Teen Cash Class" is on soon. Thought I would shamelessly plug it on here - as I think many MoneySavers will enjoy it. The challenge was to teach a class of 15 year olds for a day and see whether i could get them to save their parents cash. It was an eye-opening experience. Hope you enjoy it. ITV1 8pm Martin
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Notice of Allocation to the Small Claim Track (no hearing)
Firsty, I am aware of today's announcements with the OFT, but as we don't yet know the outcome of that, I would assume that I carry on regardless, unless advised otherwise by the court, which is the stage that I am at. The following is the text from a recent letter that I have received and I would appreciate comments,…
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letter of offer? can i still go on with the court online?
they have sent me a letter offering me the full amount without interest and without the court fee. can i still carry on claiming through court as i have always asked for the amount plus interest and a bit miffed that if i accept i wouldnt get my £120 back. what do i do carry on untill the 28 days is up then what??? they…
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Bank Charges Test Case Article discussion
This thread is to discuss the Bank Charges OFT Test Case article and all things to do with the test case. Please reply to ask a question or discuss. ***** Want to tell your story in a newspaper/on TV? ***** Hi all. We need your help. Bank Charges is often in the news and we are sometimes asked if we have any MoneySavers…
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OFT/FSA ruling: What do you want to know?
After the announcement by the Office of Fair Trading that it's initiating a test case in the High Court to resolve legal uncertainties on these charges we are putting together a list of Frequently Asked Questions. Below are the questions we are aiming to have answered by Tue 31st July, if you can think of any more please…
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bank charges no reply to county court letter
i am waiting for my county court claim for my bank charges back the courts sent a letter to our banks head office with details of my claim and giving them until the 26/07/07 to respond(either admit, partly admit, or deny the claim.) the bank hasnt responded within the deadline of 2 weeks so therefore do i automatically…
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Anyone in the Small Claims system please read this
Hi Folks, Slightly confused after last nights announcement, so I phoned the county court to find out if my case has been suspended (at AQ stage). Nobody at the Birmingham Civil Justice centre knew anything of the announcement and the lady I spoke to asked around. So, it seems that the information has not yet filtered down…
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Halifax charged for not being over drawn
hi all i had a bill due to go out on monday i realised on sunday that i didnt have enough funds so went first thing monday an deposited money to cover the dd on tue halifax tells me im being charged an they knocked back my dd i told them that i had never actually gone overdrawn and that i did deposit money all beit on the…
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HSBC have made me 2 offers on the same claim.
Morning all, Around 6 weeks ago I received an offer from HSBC for just under £3k, which i accepted and received the money in my account 2 weks later. This morning i received another offer letter for the same amount saying that if I accept it it would be in my account in 2 weeks. What would you guys do? sign it and send it…
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Bank agree pay out,i accept,letter signed+sent last week,will they still honour it?
I think this is a question many people want the answer to, me included. Any clarification on this will be much appreciated.
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Do I stop preceedings now I am getting my money?
LTSB's solicitor has said they will give me my money back if I agree to a bunch of rubbish terms, so do I now call MCOL and ask them to stop the proceedings?
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2 Questions Please
I am due to get court papers (Monday at latest) regarding my daughters Barclay Bank account charges. The fourteen days are nearly up. Do I still do this? Also, I have sent the 40 days letter regarding her BarclayLoan account asking for statements. Will the Bank still be obliged to send these? Your answers will be…
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Stop Press - View On Oft/bank Announcement
I have just added the following Stop Press note to the bank charges article: [FONT=arial,helvetica,sans-serif]EMERGENCY STOP PRESS NOTE. 26 July 2007[/FONT] In a surprise announcement the Office of Fair Trading has announced it has agreed to a test case with seven major banks to decide the principles of reclaiming in the…
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any reclaim no wins?
i was just wondering how many ppl out there havn't manage to claim back there bank charges?
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Mcol
HI im about to begin my claim as i have no response from my bank ( co-op ) since i requested my charges back on the 6th june 07 despite numerous phone calls and letters. the first page of the MCOL site has me flummoxed already :eek: says "servicing address for documents and payments" is this my address ( bear in mind i…
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Hello, student in need of help
Hello all, I will later go into more detail about my situation but for those who just want havn't got time read it all, the gist of this thread is... Can you reclaim bank charges on your account once you have closed it by switching to another bank? So here's my story. I'm a student and joined Nationwide in 2002 where I am…
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Time Delay
Hi Everyone, I've just started on my crusade to get my bank charges refunded. I sent off the highlighted statements and they have written to me to say that it may take between 6 and 8 weeks to look into my claim. Is this normal, if it is a delay tatic has anyone got any advice as to what my next move should be? Many…
