Bank Charges - illegal?

jinx_uk_98

davilown wrote:

What period of time did they take to come up with this offer?

I have letter one waiting to be responded to that I sent on 16 feb 06

Cheers

:beer: monster

I sent my claim on the 15 Feb, recivied a reply 2 days later advising that they would respond by Feb 28th.

I hadn't recivied a reply by then so rang and left a message at 09:01 on the 28th complianing -the next day the offer was recivied.

Slayerx

Bank charge are on the news channel Five.

JasonW_2

.... and what did they say?

Slayerx

It was just a brief piece where people got some refunds for bank charges and they voiced opinons of bank charges.

suffolkb

I didn`t see channel 5,but sky news just had a big report.The bank spokesman said,live on tv,that everytime you go overdrawn or get a rejected DD,then 2 people have to manually intervene to deal with this. And i thought it was just an automated process.
Could someone from a bank please confirm that this man is talking rubbish.

JasonW_2

Well if that is the case, as others have already said in this thread, you can ask to see all the info they hold about you which will include ALL the manual entries by manual people doing these manual charges! I very much doubt the banks will be able to prove they do this, it is completely automated these days, you go overdrawn, computer doesnt say no, it says kerching and it fires a letter off to you. I think thats why most say the charge will be applied in x days, possibly giving some time to contact the branch and ask them to reverse the charge before the computer has the chance to apply the charge? I dunno, its just my theory.

D

Matlow

Can anyone post the link to the online court papers,Time for Smile to have both barrels,just ignoring me all the time

Lotta_Littlies

www.moneyclaim.gov.uk

Good Luck

Lotta

Lotta_Littlies

dchurch24 wrote:

Just a bit!!!! I've been reading legal books ;-)

(can you point me at the post - it could be funny to read!)

Awww, what a difference a year makes eh Dave?!

Lotta

mountainofdebt

Well guys I sent the letter stating that I was giving them 14 days to pay up or else.

I've received a letter today stating that they are still collating the requested data but there is a £10 charge - fair enough but that they still consider the charges fair (well they would wouldn't they, lol!)

Anyway is it still worth paying the £10 for the information or I simply reply that having gone through the statements I am happy to base my claim on the figure that I've arrived at and that if I don't get a response within the original timescale (ie 7 days from the 2nd letter I sent them) that I will initiate court proceedings??