Bank Charges - illegal?

mx-3

The acts quoted in your letter establish if charges are applied on a punitive bass,they could be considered to be irrecoverable.

:rolleyes:

dchurch24

is this a standard letter or are they actuall looking into it?

Ha that made me chuckle - they won't be looking into it at all - any more than someone will be looking at your account when you go 5p over your limit.

If it's one thing I have truly learned over the last 12 months - it is that banks will lie, wriggle and do some very disgusting things to look after a few quid.

I would imagine that you will probably get another automated letter in about 4 weeks, saying "we have investigated your concern and have come to the conclusion that the charges were applied in accordance with the t&c's etc....blah....more lies....blah...."

I hope I'm, wrong - but sadly, that's how banks act these days.

dchurch24

JasonW wrote:

Got my second reply back from Mr just who has agreed to send me a copy of all statements?? - I just wanted a breakdown of charges not statements, but ah well. Will get them within 3 weeks and didnt charge a fee, says he has sent my cheque back to me, but it isnt there!

He says lastly this is the bank's 'final response' on the matter and that any further complains should be taken up with the ombudsman. Can they actually say this is their final response though? In 2 letters he has not acknowledged the legal action at all so will get a nice surprise when it lands on his desk once i get the list of charges.

Are Lloyds a tough nut to crack or is it part of the game?

J

Just like a bank! Don't actually listen to what the customer has asked for, just treat them like the next number in the queue (and yet they claim to look at breaches of contract personally, hence the high charges!!??).

You're getting the swing of it - it's all part of the game - they hope that you will now think you are hitting a brick wall and just go away.

Don't - what would they do if you had taken money from them illegally (or even just had a doubt that you had taken it illegally?)

......?


Yes, exactly - so do the same (sadly it's a civil matter this way round - if it was the other way around it would be a criminal matter!)

bookworm1363

mx-3 wrote:

The acts quoted in your letter establish if charges are applied on a punitive bass,they could be considered to be irrecoverable.

Oh well, that makes more sense... NOT!

Ok, what are they saying here?

That the acts quoted (Dunlop, Leisureplay et al...) are irrelevant to this issue? (e.g: they relate to a punitive charge, but what we do is provide a service, so doesn't count, neh-neh-neh)

That punitives are not recoverable? (well, in punitive damages awarded by a judge, maybe, but that's a different story altogether)

If the latter, can we conclude that the fathead is actually admitting they ARE punitives?

I don't know, I'm getting more and more confused...

An oxymoron, dcchurch24? More like an ox and a moron got together to type this one!

xxx
ML

bookworm1363

JasonW wrote:

He says lastly this is the bank's 'final response' on the matter and that any further complains should be taken up with the ombudsman. Can they actually say this is their final response though? In 2 letters he has not acknowledged the legal action at all so will get a nice surprise when it lands on his desk once i get the list of charges.

Well, he can say it... Doesn't mean you have to listen, does it? :rotfl:

Don't bother wasting any more time, don't listen to him about the Ombudsman (as he knows you won't get anywhere that way), just go ahead with the legal action, and see who wins on that one :T

xxx
ML

Papa_Hodge

I have incurred "penalties" charged by Yorkshire Bank over a long period of time.
It is difficult for me to calculate how much to sue my bank for.
1) How far can I go back with my claim?
2) Will the bank provide me with details of charges going back e.g. 5 years?
3) Do I just submit inflated claim for say £5,000 & let bank provide evidence to court of actual value?

Also, the bank closed my account due to increasing overdraft as a result of such charges & I am still paying them back.
I am determined to get something back & will let you know how I get on.

Pere_Ubu

davilown wrote:

Just got a letter from barclays customer services (only sent the letter last thursday) -

'We are sorry etc etc
we are looking into your concerns and will let you have an answer by 16th march 06 etc'

is this a standard letter or are they actuall looking into it?

Has anyone had any success with barclays yet?

cheers

:beer: monster

Mine is a Barclaycard and they asy "Thank you for taking the time to contact us regarding the level of service received from Barclaycard.....we aim to resolve matters by the 14 March 2006" They also enclosed a leaflet about how they deal with complaints.

us,thecat&thedebt

hey dchurch are u still around?

i posted on bag but dont seem to be abl;e to visit site at moment or find my post!!!

i got the letter from mr just this morning stating usual blah blah

i already have the charges from previous statements so i dont need the copies they are sending.

what do i do now press ahead with legal action, send another letter?

please help me

leanne

moxie_2

I've just tried to get on the BAG site, but can't, they must be having technical problems. I would press ahead with the letter threatening legal action, I'm doing this with Nationwide, they jst ignored my 'nice' letter.

philb120

Yes I know I'm easily confused so can I ask- is it worth starting the process with HSBC and Natwest/ Marbles credit cards ? Or is it worth waiting until the current legal action plays out? Am I likely to still get a result or have I left it too late ? (only just become aware of all this )