-
Allocation Questionnaire????
Hi all, I've been given an allocation questionnaire to fill out, where the dealine has passed, but the court said its still ok to send in. basically, i was just wondering if someone could help me with a few things please: - settlement- do i want any further action in the claim to be postponed for one month so that we can…
-
8% interest or 18.8 percent compound interest?
I know this irrelevant for the moment, but why would the court award 8% interest on the reclaimed bank charges rather than the 18.9% charged by the bank for an overdraft. Or is this the amount they award for the bank having deny the customer the ability to earn interest if they happened to be in credit? I have calculated…
-
not sure if i can reclaim credit card interest
i got into debt with my credit cards so i voluntarily negotiated a monthly payment that suited everyone but they added loads of interest the month before the reduced payments began that was april this year. Ive cleared all of my credit cards now but im not sure if i can still make a claim.
-
NSI taking out £3k before getting signature - overdrawn fee results
Hi, I was hoping someone here might be able to offer a little advice on this situation: My husband signed up online to get a national savings and investments ISA, and did all the online stuff. He was told that they'd need his signature for the next stage of the process, but yesterday they took out the £3k from his current…
-
Case un-stayed?
Hi Gang Because of the OFT Test case being announced, my parter decided to file with MCOL straight away rather than sending letters to the bank that were obviously going to be ignored. The bank filed a stay which was granted by MCOL because they were staying all bank charge cases. So we wrote them a letter (which we used…
-
Whats my position
Reclaiming from a certain bank on CC charge (say £100) Received cheque (say £100) and letter from sol stating "in full settlement of the above claim" Received another letter little bit less from bank itself stating say (£90) "in full and final settlement of your complaint and our file is now closed. What do i do?:T:rotfl:
-
Reclaiming non-bank/credit charges
Hi, Im not sure if this has been covered before, I had a look around and couldnt see anything about it so here goes; My mobile phone company takes a direct debit payment from my account each month for my phone bill, but charges me £15 if this direct debit fails. Obviously, on top of this, the bank charges my £35 making it…
-
Mann V Abbey - help with next stage
Hi I posted on the site a week or so ago as I have taken Abbey to court as although I started my claim way back in March they didn't pay me back the £3800 plus interest, they put £435 in my account which I refused. They also have never provided 04/05 statements which also held everything up. then the annoucement came and…
-
sist opposed
Hi folks. Managed to get sist opposed at Edinburgh. I have a preliminary hearing date next week and haven't got a clue what happens, what to bring or what to say. Any help, again would be much apprecciated. Thanks Owen
-
HBOS charges.still file in Scotland??
hi ppl, im really confused by the different laws etc between Scotland & England in relation to bank charges. Iv read more post than my brain can muster. To be basic, I live in Scotland, bank with Halifax (HBOS) and have 2 accounts i want to claim on. #1 account owes £1600, #2 account £612. Are scottish claims affected by…
-
When is the test case date ?
Hi guys I have been away from the forum for some while, when my case with the Abbey was stayed until after the test case I decided to sit and wait it out, see what happens!! Im aware that the case is being heard early in 08 but wondered if we know the act date as yet!! Apologies if this ? appears dumb !!!!
-
bank charges help
hi there i need some help with my bank, I have started to reclaim my charges with barclays bank, it has been going on months just waiting to hear back now, but the problem is i am now £991.00 overdrawn my overdraft is £250.00 limit with all the charges and my bills it has gone mad what can i do i cant believe my bank has…
-
Help.... bank refused to pay costs... what should I do?!
plz See Second Post!!!
-
Nat West Bank
My son has been having trouble with this bank since January, over bank charges which today stand at 300.08 + 14.45 Interest + 30.00 for the letter they have sent today which say's Formal Notice of intention to file a default and to take action to recover debt. (Court Action) They are now calling this debt an overdraft. In…
-
Halifax - Debts Sold ?
I started the process with the Halifax to reclaim my bank charges but unfortunately didn't manage to lodge my claim with the County Court before the freeze on claims came in. I am now waiting for the court case in January before I can proceed. I have written to the Halifax to say this. I have just recently, after waiting…
-
Trouble is I haven't paid it to reclaim it... can I 'claim' to reduce debt amount?
I'd like to reduce the amount I owe to my creditors by 'reclaiming' the charges levied so far - can I do this as technically they have not been paid to reclaim? If so, should I use the same wording in the letters or should I change the work 'paid' to 'levied', or fashion a completely different letter altogether? Anyone…
-
Help needed!
Hi guys. I am freaking out as totally skint and have just discovered I have a direct debit due today and no money in the account! Can anyone tell me if I go to bank on my lunch and pay in amount due to come out today if I will still get bank charges?? Thanks guys, so worried I could cry!!! L xxxxxx
-
Mbna Ppi
Hi guys, I'm a bit behind with all this reclaiming stuff, but have sent a letter off to mbna. I have been paying the PPI on the card since i took it out 4 or so years ago. I only cancelled it about 3 months ago as it took me that long to realise i did not want and or need it. I was up until a year ago self employed…
-
Please Can You Help Strange Things Happening!
Hi there I am due in court on Tuesday and I called the solicitors dealing with the case on behalf of the Halifax. They informed me that they were no longer dealing with the case and that Halifax took it back and they would get someone to call me. A very abrupt woman call me who wouldn't give her name saying why was I…
-
Is this blackmail legal
I recently issued a cheque to B&Q for £150 which my bank refused due to lack of funds. Genuine mistake on my part. On finding out the situation I contacted B&Q by telephone and offered to pay by switch this was a Saturday morning and no-one in the cash office I was advised to call back Monday which I did I left my card…
