Massive victory for Bank Charge reclaiming News Article Discussion

SHOWMETHEMONEY_4

I've had my claim letter in with LloydsTSB since May 08... but never proceeded to instigate court proceeding due the 'ON HOLD' situation.

Does my initial letter to the bank to reclaim my Bank Charges count as me raising a claim... or is the raising of the court order that officially counts as starting the claim???

Any light, that can shone in this endless dark tunnel is much appreciated.

chrissydot

SHOWMETHEMONEY wrote: »

I've had my claim letter in with LloydsTSB since May 08... but never proceeded to instigate court proceeding due the 'ON HOLD' situation.

Does my initial letter to the bank to reclaim my Bank Charges count as me raising a claim... or is the raising of the court order that officially counts as starting the claim???

Any light, that can shone in this endless dark tunnel is much appreciated.

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Not sure exactly how far you have gone with the process. If you have got as far as requesting your money back and are in the position to start a claim with moneyclaim (irrespective that you haven't) then I think you are covered. However if you haven't got as far as that stage then I think you should continue.

This said there are plenty of people on here who know much more than me!!

chrissydot

roger5at wrote: »

My son's claim from Abbey is for about £4000. Due to shortime working and periods out of work he is in severe financial difficulties - e.g 2 months behind on his mortgage and this week insufficient money to buy food.

How could her best go about seeing if his claim can get out of the 'limbo' that it is currently in as ge desperately needs money now?

By the way, Martin, you deserve a knighthood ! Or are they reserved only for rogues these days.

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The template letters on the website have been updated to include sections on what to put if you are in severe financial hardship. There is also a section on what the banks constitute as financial hardship on the website although to me it would seem that this is a given in this instance. Good Luck!

patman99

A big up to Martin, the MSE Team, and to all those who sent-in claims.

I'm just wondering whether or not the cost of paying-back the charges would be less than the legal bill the banks are now facing.

Maybe the Banks should be forced by new legislation to run along the lines of those community-run 'local savings schemes' (I can't remember the proper name).

darren2791

Please can someone asnswer me this ....

Around a year and half ago I claimed some charges back from my bank but since then have incurred more charges. Can I claim these back too ??
Please PM me with answers.

Thank you so much !

W_s_n

darren2791 wrote: »

Please can someone asnswer me this ....

Around a year and half ago I claimed some charges back from my bank but since then have incurred more charges. Can I claim these back too ??
Please PM me with answers.

Thank you so much !

I'm in the same situation in fact.

fernbrook

I've read all the comments above, and I just need clarification of one aspect. My bank, the Halifax, says it has referred my account to a debt collection agency despite the fact that I submitted a claim for bank charges about 6 months ago. This should surely mean the account is under dispute, and if I understand correctly, that also means the bank cannot refer the account for debt collection while it continues to keep my claim on hold?

They are also holding the claim even though I claimed under the financial hardship clauses. They also continue to hound us for money - we pay a little in, they then call again shortly afterwards hounding for more.

crawli1

Hi,

Should I be re-calculating the interest on the claim that I have already put in with Lloyds TSB. Obviously with the case being on hold for nearly 2 years and most peoples cases being 6 years worth of charges, is this ok to do??

Thanks

chipbeck

crawli1 wrote: »

Hi,

Should I be re-calculating the interest on the claim that I have already put in with Lloyds TSB. Obviously with the case being on hold for nearly 2 years and most peoples cases being 6 years worth of charges, is this ok to do??

Thanks

Yes you should do.

crawli1

Time to dig out all the paperwork again then