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bad credit history?
Hello all, Last December I popped into my local Nationwide branch to apply for a £1600 loan. I was denied this loan due to making errors on my account. Prior to this meeting I had gone to the bank and asked for a card upgrade on my account, I was told by the girl behind the counter I could not upgrade but had to have a new…
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Can I change banks
Today I recieved a letter from Lloyds advising we (joint account) were overdrawn. Thinking it could only be a pound or two but puzzled as to what I had missed being due, I logged onto internet banking to find out more. £135 :eek: in Charges:eek: = £30 overdraft excess fee & £105 for 3 unpaid DD's. Now one of these DD's the…
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I am confused but that don't take much
:rotfl: Just read the Q & A on the website for Lloydstsb and they are saying " This test case and the suspension applies only to complaints about unauthorised overdraft charges and the law which applies to them" Does this then mean that we can proceed to re-claim extremely high charges for retured Direct Debits then?
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Downloading Template Letters...????
I will be reclaiming bank charges soon and have attempted to download the template letters to take a look at, unfortunately the links I tried do not work. Could someone post a known good working link for me to hit pls Thanks, F
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Half way to getting a stay removed?
Quick update on my claim status in case it's of assistance to others. My online claim had been defended by Lloyds, and then a stay applied for at, and granted by, Northampton County Court (who handle online claims). I wrote a letter to the court manager asking for my stay to be lifted on the grounds that a) the delay was…
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Would my claim for charges be taken off what I owe the bank
Hi just wondering if I claim the £2600 of charges from my bank would they deduct it from The £11000 I owe them ofr would they have to pay it direct to me. Reason is there are other debts I could clear completely with it.
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bozrat
hi ive just recently got my break down of bank charges, ive been told its a waist of time claimimg because everything is on hold. could you inform me if it is still worth while claiming or should i wait to see what the courts say
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Would it be wise
Would it be wise to take legal action against bank for unsatisfactory services provided rather than a claim on a bank charge which from what ive read have all come to a stop for the duration of some Big court case. Im not really that botherd by charges to be honest but i was quite anoyed by a charge from my bank the other…
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Hidden Charges
WARNING! When using debit cards and credit cards online to purchase goods or services some retailers through visa / mastercard, as my bank told me, levy a charge for the transaction. :mad: The point is that you ARE NOT warned about this charge. Is this theft? Would a lawyer like to comment?
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Someone plzzz help me
I recently sent the sendond letter requesting my money plus interest back. Today i this letter; Is there another template i can download to reply to this message because to me if there waiting on word for the courts i should still be able to claim until they get an answer. Im not very good at this so and help would be very…
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Help Please!!! Urgent
I logged a claim in MCOL some time ago now and had a judgment made against A&L well before the OFT announcement for 3.5K (finally a warrant issued on the 31/07/08). After two weeks of the warrant outstanding I contacted the courts and A&L and the courts advised me that A&L had made an application to set asside the…
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New Claims and Citibank????
Hi everyone, Just a couple of questions, I hope you can help me with them* Now that there is a case pending on bank charges, can we start a new claim now or should we wait till the case is decided? If we start a new claim now would the claim be dealt with, since I think I heard that the FSA says banks do not have to deal…
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does the £10 payment still need to be sent
My brother was told by hsbc that the £10 payment was not needed for this bank. I am in the co-operative and wondered if the same applies to them.
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What happens in court?
I would be really grateful if someone could give me some advice about what happens in court. I ma due in court this Friday and have been allocated 5 minutes (this was before the test case annoucement.) What do I have to do or say when I get there? Please help. Thankyou.
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Bank Charges Help
All the advice appears to point towards ignoring the test case and get your claim logged with a county court asap, if your don't and the high court test case takes years to conclude you may lose out due to the statute of limitations law. However my problem is I can not get an actual amount figure I am owed. Although I have…
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County Courts Staying Claims
This Thread Is To Discuss County Courts Staying Claims
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OFT press release from today
Press releases 2007 OFT files details of case against unauthorised overdraft charges 126/07 31 August 2007 The OFT has today filed particulars of claim at the High Court on the application of the law in respect of unauthorised overdraft charges, and these documents will be available on the OFT website next week after they…
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Are we reporting all this?
Hi there have been reading this website religiously since 27/7 for any news of the waiver being revoked. My case is being dealt with by a third party so they tell me its on hold there is nothing I can do. However I've also been reading all of your posts and it occurs to me there is a lot of evidence here to get the waiver…
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can they do this?
Hiya, I've had cc's with capital one in the past, and i've written to them to get my overlimit / late payment fees reduced from their fee of £18 to the OFT advised charge of £12. It doesnt work out to a huge amount of money. Just £54.00, they owe me. BUT..... they say they will take it off my outstanding debt. As far as I…
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Should I attend Court?
My son has a ongoing case with Barclays reclaiming bank charges. He has a date to attend Guildford County Court on the 14th September. In view of the test case should he still attend. If he does and Barclays fail to attend what should happen then. Any advice please.
