Claim back any unfair bank charges! Article Discussion Area

elle898

Hello,
I have made a claim useing the money claim website and HSBC have acknowledged my letter which now gives them 28 days to respond, has anyone been through this and am i likley to go to court or will they pay up the full 1600??????
help me im getting very scared now!!!!!
x

165721

elle898 wrote:

Hello,
I have made a claim useing the money claim website and HSBC have acknowledged my letter which now gives them 28 days to respond, has anyone been through this and am i likley to go to court or will they pay up the full 1600??????
help me im getting very scared now!!!!!
x

Most will acknowledge, few will defend. When did they get served with the papers? 28 days from then make sure you are on the computer ready to request judgement, don't give them a minute extra to get a defence in!!

elle898

I have not been sent any paperwork????? i just logged onto the money claim website and saw that they had acknowleged my claim????

Edinburghlass_2

dm72 wrote:

Hi,

I am in the process of claiming bank charges through the Bank of Scotland and am now at the stage of filling in a claim though the moneyclaim website. I have just noticed however that myself and my bank must have an address in England or Wales.

Can anyone please help with the next step for me as I live in Scotland and my bank's head office is in Scotland.

Cheers
dm72

If you haven't already done so, sign up to the CAG Forums and you'll find a board there marked Scottish Procedures. You need to find your local Sherrif Court and you then send them the letters that are linked to at CAG.

busterkeye

Ive put my claim in and after a few weeks I recieived a letter saying 'As a gesture of goodwill I would like to ofer you a £130 (our charges for the last 5 years where £290) in full and final settlement of your complaint'

Now I have read on here something saying
'You will be offered a partial refund (refuse this - the money is legally yours - note we are not claiming for the extra interest incurred on overdrafts - this more than covers their costs, so don't start to feel sorry for them). You will receive a letter offering a full refund next.'

Now do I refuse or accept this?
Thanks for your help

Edinburghlass_2

I would refuse that offer, had it been nearer it might have been tempting but that is derisory so carry on with your full claim

busterkeye

Cheers edinburghlass I'll give it some thought, thanks

Just wondering if anyone else has done this?

geoffreystuartlongden

Thank you.

Think am gona go for the lot

Will let you know how it goes.

geoffreystuartlongden

Just wanted to ask a question about the particulars of claim section. What is the daily rate of interest from when the claim is submitted and did you use any particular wording in the particulars of claim or did you just list the details of the charges (date and how much).

Hope you can help and thanks for your assistance

Lizanne_2

Hi,

I am new to the forum so pls be gentle with me.

A couple of years ago, I approached my bank to get a temp overdraft on my current account. They advised me that instead of this, they could give me a new account which had an O/D limit of £1000. Foolishly, I agreed.

The account went well for a start but then my husband was made redundant and we got into financial difficulty. They knew this but the charges still went on.

They have now transferred the account to a debt collection agency and we are now repaying this back at £100 a month, for the sake of £300 over the O/D limit. The balance that was tranferred was £1900, give or take a few pounds.

Can we still take on the bank, even though this is now in the hands of the collection agency.

By the way, the collection agency advised that if we could repay £1200, they would take this as settlement. We could not afford to do this and are now having to repay the whole lot.

Please help, as I am now on maternity leave and my pay has now gone down by £1000 a month, to which the collection agency is being very unsympathetic.