Bank Charges - illegal?

Pere_Ubu

Bank charges 4k agreed with the Abbey (plus court fees). Tomlin Order being drawn up.

shirlyn

Pere_Ubu wrote:

Bank charges 4k agreed with the Abbey (plus court fees). Tomlin Order being drawn up.

What did you do to get this currenty battling with abbey and there not budging?

Chell

Sorry I haven't read this thread as its huge. Can you claim back charges on accounts which are now closed? My Dad paid a fortune in babk charges with a failing small business. I joined the Consumer Action Group Site yesterday but its alot to take in at first. Many thanks,

maforduk

Pere_Ubu wrote:

Bank charges 4k agreed with the Abbey (plus court fees). Tomlin Order being drawn up.

Well done on getting the Tomlin Order.

As for Chelltune,
Yes, the bank keeps records for 6 year's.
Ask them for a DPAr (Data Protection Act request, may cost £10) and go from there, work out the charges and send them a letter.

Hopw that helps.

bobsa1

Just a few questions. I sent the bank action website recommended letter asking for repayment of fees.

Some banks have said no, a cuple of credit cards have refunded charges and a couple have made an offer.

My question is how should I now deal with this. The first fourteen days have elapsed and I'm now going to be sending the letter before action.

For the banks who have made a partial offer should I amend the letter saying I accept the offer however require the remaining x amount?

Many thanks

bobsa1

Just bumped this as really need some advice!

mountainofdebt

we got a letter saying that Natwest had acknowledged our claim so from info I've been given on the bankactiongroup web site, it seems that they have 28 days from the date the claim was deemed to be served (15/04/06) to come up with a) a defence or b) the money!

Now whilst I hope the answer is b) (!!!) is there anything I should be doing in the meantime, just in case the answer is a) ?

At the moment it seems that the cases involving the smaller amounts are getting settled without the case going to court but as ours involves £2K+ I am preparing for the worse case situation especially as Natwest seems to be the only bank at the mo to be playing hard ball with claimants - or am I just being a born pessimist?

kaznelson

Sorry I havent updated for a while

Barclays have now submitted a Defence against my action (£4k) on the grounds that I agreed to their T&C's. Its a very poor defence and they dont address the fact that their charges are unlawful.

Tomorrow I will be filing my Allocation Questionnaire with the Court & sending a copy to the Bank.

Next step will be waiting for a Court Hearing Date

kaznelson

mountainofdebt wrote:

we got a letter saying that Natwest had acknowledged our claim so from info I've been given on the bankactiongroup web site, it seems that they have 28 days from the date the claim was deemed to be served (15/04/06) to come up with a) a defence or b) the money!

Now whilst I hope the answer is b) (!!!) is there anything I should be doing in the meantime, just in case the answer is a) ?

At the moment it seems that the cases involving the smaller amounts are getting settled without the case going to court but as ours involves £2K+ I am preparing for the worse case situation especially as Natwest seems to be the only bank at the mo to be playing hard ball with claimants - or am I just being a born pessimist?

Nothing more you can do during this stage but keep reading the threads & swoting on everything in case it gets to court. Its all a game of chicken and Natwest will be waiting for you to back down first. Barclays are also trying to play hard ball.

firstyearisthehardest

I just posted letter to abbey this morning asking for a full refund of all charges. Its only £160 but its a lot for me. Im a bit scared now!