Bank Charges Reclaiming Guide discussion

alliballi

Got pre lim hearing tomorrow, wish me luck, will let you all know how it goes.

Premier_2

Greenskin wrote: »

So what should i do ?
Try to stop it getting a hearing ?
How much more would i be facing in court fees ?

That depends on what you want to do.

If you want to withdraw the claim, you could perhaps contact the court and advise them.
But it may be better to just leave the stayed claim to see what develops. That'll give you more time to decide as you don't seem too sure at present what to do next. Eventually the stay will be lifted or the case struck out.
If the stay is lifted, you could always withdraw the claim then. (If it's struck out, that'll be the end anyway)

You'll be advised of court fees as you get to each stage ... and the claim won't progess if you don't pay.
Here's the list of current court fees:
http://www.hmcourts-service.gov.uk/courtfinder/forms/ex50_web_0210.pdf

Also take a read of the MSE article on reclaiming bank charges via the court and the warnings it gives that court fees may not be the only fees you incur if you decide to continue with the claim (but again, you'll be informed beforehand of any possible liability and given the opportunity to call it a day)

Paula_Anne_2

My son has recently recieved a letter from a debt collecting agency for £1500 which is upposedly a debt owed to HSBC bank. As he closed his account with them over 5 years ago he can only assume this has from some kind of escalating bank charges. Having said that this is the first notification about this debt he has recieved ...he has had no previous correspondence from HSBC since he started to bank elsewhere.
Not sure if i on the right site with this problem but am hoping someone can help or give advice on how to deal with this. Many thanks

natweststaffmember

Paula_Anne wrote: »

My son has recently recieved a letter from a debt collecting agency for £1500 which is upposedly a debt owed to HSBC bank. As he closed his account with them over 5 years ago he can only assume this has from some kind of escalating bank charges. Having said that this is the first notification about this debt he has recieved ...he has had no previous correspondence from HSBC since he started to bank elsewhere.
Not sure if i on the right site with this problem but am hoping someone can help or give advice on how to deal with this. Many thanks

Are you in Scotland or England/Wales/Northern Ireland

slawit23

I sent my claim to Yorkshire bank a few year back now just before they went on hold, they have recently responded to me saying no payout. I disputed this to them advising £20- £30 charges and then £8 everyday after until money was put into my account was unfair but they have contacted me today to say the charges are fair and unless i have financial problems now they will not pay out. Opon asking them what they would do if i was in financial hardship they said they would help me create a budget planner. Anyone who can help would be great, don't want to give up on this one.

alliballi

Well my pre lim case continued to July, think they are trying to sicken me but it aint gonna work!!!!

natweststaffmember

alliballi wrote: »

Well my pre lim case continued to July, think they are trying to sicken me but it aint gonna work!!!!

How come?..............

alliballi

The banks solicitors have put a motion to get case remitted to ordinary cause procedure, which could cost me think they are hoping I will give up

filthiestfish

Hi
I wonder if anyone can help me out.
About a year and a half ago I started a debt management plan with credit counselling service (CCCS) and they would pay my creditors a fixed amount each month of what I could afford as I was unemployed at the time. So one of the creditors was Natwest which I had a £2000 overdraft to pay back.
Natwest was aware that I was on the debt management plan but were charging me £28 each month maintenance charges for around the first 6 months.
OK, for the past year I have been in full time employment and I managed to repay everything back now so am no longer tied to a debt management plan. My question is, since I am not currently in financial hardship, can I still reclaim charges for the period when I was in financial hardship?
Also, when I started working, I still had the debt management plan, but because I had a steady income, I suppose that I didnt fall under the "financial hardship" tag. Does this mean that I dont have a claim against Natwest?
Does financial hardship mean that you are not working? For example, I could be earning £2000 A month but if Im still £10000 in debt and following a plan, does that make it ok for natwest to keep charging me excessively each month?

natweststaffmember

The FOS will only look at current financial hardship so the answer is unfortunately nope.