Reclaim bank & credit card charges

Archives for September 2007

appealing the stay?
morning all, got a court date to appeal the stay on wednesday,i was wondering if any one else on here had been to court and got the stay overturned? if so what did you say to the judge to get him to overturn it?
chrisma
i have just learnt that my bank has not signed the waiver. Does anyone know if i should press the bank to settle my claim, or should i wait and see all and any information would be great
Natwest Charges, NOT MY FAULT!!
Hi all, I used to bank with Natwest, Here is a background story: One day I checked my balance on my bank account and it showed me having something like 10.52 in my account, so I took it out thinking nothing of it. A few weeks later I was charged £30 for unauthorised overdraft etc. Being unemployed and having a grand total…
going to court
I have sent a letter to hsbc about a month ago, reclaiming charges of £2200. They sent back the standard letter. Should I put in a court claim to protect the amounts that are in the fifth and six years. What is the cheapest way of doing this and can you add on the cost of the court case to your claim Cheers Steve
Court Date for Bank Charges
I have a court date in October for reclaiming my bank charges, I dont want to make any mistakes and want to build the strongest case possible. I am also unsure of the impact of the OFT test case if any on my own case. Can somebody please help me as I am unsure where to start? I have had an offer which I declined if you…
Should I pay my debt to clear default??
I am claiming £450 which was due to be heard back in August but due to the test case is now awaiting to be heard at the Court. In the meantime because the Abbey have placed a default notice on the account I am finding it impossible to get credit. I was wondering whether it would be better for me to pay the £253 that is the…
Monthly Bank Charges Dispute
I know this isn’t strictly to do with the current bank charges issue but I thought I’d run it my you and see what people think. ffice:office" /><O:p></O:p> 10 years ago whilst at Uni I opened a current account with the Natwest. I stipulated at the time that I just wanted a simple current account no monthly charges etc.…
I Need Advice On Reclaiming Bank Charges Under Special Curcumstances(disabled)
I STARTED RECLAIMING MY BANK CHARGES MANY MONTHS AGO & FINALLY TOOK BARCLAYS BANK TO COURT ON 1ST AUGUST 07 CLAIMING £3700, THEY FILED AN ACKNOWLEDGEMENT OF SERVICE ON THE 7TH AUG INTENDING TO DEFEND ALL OF THE CLAIM WHICH GAVE THEM 28 DAYS ,ON THE 4TH OF SEPT I WENT TO THE COURT TO REQUEST JUDGMENT AS I HAD NOT RECIEVED…
Letter from A&L - bank charges
Hi I settled my unfair bank charges claim with the A&L earlier this year. They subsequently closed the account which, I guess, is their prerogative. Luckily I had a second current account so it did not cause too much grief. Today, out of the blue, I have received a letter from the A&L regarding the upcoming OFT court case.…
Cheque payable to...
Hi, I about to start the whole process of reclaiming bank charges, and will include the cheque for £10. Call this stupid or extra cautious, but who do I make it payable to? Do I just put 'Lloyds TSB'? Or leave it blank? Just wanted to know before I post it. Thanks
Counter claim after AQ submitted?
Mine's a slightly different case in the fact the bank has taken me to court for not paying my loan (as I see it caused by the bank charges) the court has now applied a stay til after the OFT hearing (good I think in my case) - all AQ's and everything were submitted ages ago. My question is, I did not apply for a counter…
transferring my Court Case...is this a good thing?!
after writing to the local county Court stating all the reasons why i will experience extreme hardship as a result of my case being frozen, i received a letter from the court today stating that ... ' upon reading the court file and correspondence from the claimant it is ordered that the matter be transferred to Cambridge…
oft test case?
getting a bit confused with all the legal jargon i have been reading so i am after a bit of advice in plain english please. what is the point in this test case? is it to determine what banks should charge? is it to determine if the charges are unlawful? and also i do not feel it is fair that cases that were started months…
Waiver Update
If you, like me, were expecting the 2 month waiver review about now then don't hold your breath. The FSA have confirmed that the review won't even start until 4 October, will take a month to complete and they expect to publish the results ''sometime in November''. So, happy everyone?
when it goes tocourt, do i need ro recalculate interest?
hi all After writing 2 letters to the Abbey for £3688 plus interest, I have had no reply. So next week i intend to file a claim in my local court (st.helens). do i ever re-work my interes out...so that its up to date? or should i stick to what i've been asking the abbey for in my letters????:confused:
Alliance & Leicester making there own rules!
Well where do i start? 1st thing was i set up this online account to start fresh from Abbey for things that seem mild to this, but i have made a massive mistake! A&L seem to want to make charges for them selfs! It all started last month when my silly car insurance company messed up my DD date and tried to take it late in…
Have I made a huge mistake??!!
Hi all, help needed please. I followed Martin's advice regard reclaiming bank charges and wrote to my bank, requesting nearly £3,500 (including interest). I heard back from there customer services department, the 1st letter stated that they would look into my complaint and get back to me within 40 days. They then wrote to…
Too late?
Hi I went thru the procedure as far as sending final letter to my bank and was about to fill in mcol to take it to court. At the time the ruling came in about oft so I never proceded with the mcol. So, can I, and would it be worthwhile me paying the £80 now to take it to court, am I just likely to lose my money because to…
so maaaaaaaaaaaaaaaaaad
:mad: My son is unemployed and he had the young workers account with the Alliance and Leicester which had a £10 buffer on it he went overdrawn by £9.35 but as they had changed his account to a current account they have charged him £25.00 for going overdrawn even though I put the money in as soon as I saw he went over and…
Is this a valid defence?
Just wanted some (more!) advice re claiming from Nationwide. They have defended the whole claim and I was wondering if they use a standard defence against all claims? This is what they have put in the defence: 1. The Defendant admits that the Claimant holds a current account with the Defendant. 2. Any charges debited to…

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Reclaim bank & credit card charges

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