Help please

cantcope

Ok I need some honest advice.

I have been going through the motions of claiming my bank charges back from my bank and now comes the time to take them to court. Got halfway through filling out the moneyclaim form last night when i realised its going to cost me £120 to take them to court to try getting my charges back.

They work out at just over £1000 which will halve my overdraft if i won.

However, if i pay £120 to take them to court it means i would go over my overdraft again or something doesnt get paid this month.

What should i do??? I am thinking that i should wait a few months when i might be able to scrape the money together but really want to get this done NOW.

Emmzi

cc,

I haven't done this so don't have any advice, but which bank is it? Someone else might have had dealings with them, so could tell you what appened to them.

cantcope

Thanks Emmzi

I go on the bank charges forum so this is the norm that the court fees are so high. Just wanted a view from people like me who are scrimping and scraping.

Chortle_2

It really depends on your own situation

I added my £120 court fees to a 0% credit card, and as they agreed to pay up in full within 4 days of me filing the court claim, (money hit my account last night - woohoo :j) I am able to pay the costs back off that card within the same month anyway, so although my debt increased temporarily, it didn't last long!

Is your claim for £1000 worth of charges, or does it already include the 8% interest?

If it is going to mean going over your overdraft limit, or not paying something, I might be tempted to wait until early May, so that you stand more chance of getting it back within the same month, and thus not having to miss any of your normal payments? Like I say though, it really depends on your circumstances, when you get paid, when things come out of your bank etc

THE_LONE_RANGER_4

best wait untill you can get the money together with out borrowing then take them to court the court fees are about wright but dont forget you should get your costs back etc.

lynzpower

i was going to stick mine on a 14.5% CC, but they paid up so :j

cantcope

I think i may put it on one of my cc's neither are 0% tho. but i think its worth the risk. will let you all know how i get on

amosworks

You know that you will definitely get your money back in a few months max, so putting it on a CC and paying several quid in interest is a small price to pay for receiving such a large amount back from them. Of course, on top of the money they owe you, they will also have to pay the £120 as will my bank. MCOL will add the court fee to the grand total.

Of course, if like my bank, yours decided to actually defend it and it gets transferred to your local court and they request another £100 on top of the £120 then it just makes things a bit more annoying

cantcope

Oh dear. what bank are you with Amos works?

cantcope

Well, I bit the bullet and put it on my cc. Soooo my debt has gone up But if i win then it will go down by a grand.
Wish me luck

amosworks

I'm with RBS
You may also like to investigate doing it offline direct through your local court who, if you qualify, can offer fee remission at their discretion of up to 100%. Check out court form EX160A from the https://www.hmcourts-service.co.uk website (I think that's the URL)
HTH