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Do i need to make contact?
Im just waiting for my online banking to be set up so i can work out back dated charges, but do i need to ring the bank or anything to inform them that i am preparing to put in a claim, can i just go straight in for the throat? Im very nervous about starting this but have got my figures to over £1500 and i could do a lot…
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Bank reply after small claim requested what next?
I got to step 3 - wrote to the bank to ask for my money, with a 14day response time. Their (Halifax) time ran out on 21st March, I waited until after the post had been on Saturday 24th March and still no reply so I missed out step 4 (I thought 'why should I give them an extra 14 days warning'). and went straight to step 4…
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Should I miss out Step 4??
So I got a reply to my first letter from HSBC saying that they are looking in to it and will get back to me in due course (It's now over 14 days since I wrote to them) This I take to be an incomplete and/or unsatisfactory response, and therefore I will proceed with further action. My question is, do I lose by skipping step…
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help!!
hi there got to the stage where i cant complete the online court thing because lloyds are defending all the claim, is this ok?? and what do i do next? Dave
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Claims and loans
Hi, Does anyone know whether I will have problems with my loan if I make a claim and the bank closes my account? The bank can't just demand the money back can they? Any help/advice would be much appreciated. Thanks, Alex
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quick question; working out interest when refunds given
Hi :) I'm on my second lot of claims for my MIL (sigh) and this time it's about £2084 from her current account with Natwest. My problem is that she has had various refunds throughout the 4 year period that I am claiming.... How do I include the refunds within the balance on the Interest Calculator? It won't let me do…
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can i claim for 5&half yrs NOW & other 6months once bank sends statements
of course LLoyds TSB didnt make it easy for me missed out all of dec 05-dec06 and march01 - sep 01 used online to get the 06 missing year and have wrote back asking for 01 6 months (both of the mising ones funnily enough were where i had most of the charges - strange that isnt it) anyway sick of hanging around for them and…
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Reclaim Bank Charges
Hi I had a reply from my bank specifying that they have received my complaint and that they are making enquiries to my complaint and will respond to me within the next two weeks, Do i have to wait for there reply before i take court action? Is this acceptable or is it the bank fobbing me of,
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help!!!!
hey there sent my letters away about three weeks ago requesting statements from at least seven diffrent companies and have only recieved one letter back to say they have recieved my letter and cheque and will have he information sent out within the 40 day deadline how long does it usually take for them to get back to you
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Help please??
I put a claim into HSBC for £2700 including interest and today I have received an offer of £1794.00. Whilst I don't want to appear greedy, I'm not sure whether to accept or go for the full amount. Initially I was pleased with just to have a reply as their letter of last week stated they would reply by 14 April so I wasn't…
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Mcol Claim Particulars.
I've posted in the MCOL thread but no one is answering, pleeease help as I want to submit this evening!!! There are so many different templates for the claims particulars I'm getting confused. The one Martin has on the main webpage differs to the several that have appeared in the MCOL thread... I have this:- 1. The…
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Can I reclaim charges from mobile phone companies?
I was charged £25 at least twice for non payment of my mobile bill of £46.80. Can I reclaim the charges?
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N1 or MCOL
I have read many threads both on here and on the Consumer Action Group site and am slightly confused as to whether to make my claim using MCOL or to fill in the N1 form .. from peoples past experiences can anyone suggest which is the best route to take or does it not really make any difference. Thanks to everyone for all…
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Can I claim back charges when in default?
I had a current account with HSBC, it's in default which I'm dealing with and have a payment plan to clear it. I am also a FT mum looking for a PT job to clear my debts. My ques is, in the o/s balance that I owe HSBC, £600 of this is charges, can I apply to them to refund them and get the o/s balance reduced? Grateful for…
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filing tomorrow - help needed! joint names on a claim?
Hi! both my husband and I have been charged and we would like to make a claim. However does anyone know if I can enter 1 claim in joint names, as this would cover our individual accounts and the joint one? Thanks in advance Elliebellie
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14 days....
Afternoon all! I sent off my second letter to HSBC on the 15th March detailing how much I thought that they owed me and gave them 14 days to reply. Now does that mean that I have given them 14 working days or should I expect a response by this thursday? Thanks :j
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Recalculating stat interest
I have calculated the interest owed to me at £139.50 + charges However, this was 2 months ago when I first started the procedure. Now I am going to file to court, can I recalculate it as from today? (I'll only be a few pounds higher all told but its the principal!) or do I have to stick with what I have been asking from…
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Can You File A Claim For Free??
Is it possible to file a court case for free? I'm on min wage and have been trying to take my creditors to court since October last year, so far I have only managed to take the cheapest creditor to court. I am finding it impossible to take anyone to court as I'm in so much debt I've no money left every week. The Ironic…
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Abbey
Hi, Please Can Someone Help Me, Ive Written To Abbey Asking For My Last 6 Years Statments, And Enclosed The £10 Cheque,i Have Recieved A Letter 7 Days Later Saying" "i Am Sorry That You Have Been Unhappy With Us,and We Will Be Doing A Thorough Investagation, We Will Write Within Four Weeks And Let You Know What Is…
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attachments for 2nd letter
I am in the process of sending my secon letter. I just wanted to know if you should send copies of the statements or just a list with dates on and the cost of the charge. Also is it best to send the second letter to your local branch. Thanks for the help I am determined to get my money bak which equates to about £1000 but…