Reclaimed Bank Charges SUCCESS stories

Rex_Mundi

MRBUNGLE wrote:

Halifax is pretty straight forward, but after keying in the address for rbs/tpf it comes up invalid as the registered address for them is in Scotland. How would I go about starting court proceedings against them, can I use the Scottish small claims court even though I am based in Brighton or is there another address I can use.

The address is most important if you need to send in the bailiffs. For this, you can use your local branch address. The bailiffs would be able to collect goods to the value of the debt from there (as happened in a London branch).

joanne0620

Bank : Natwest
Amount reclaimed : £2,857.03 plus £120 court costs
Amount they paid : £2,466.84

Received bank statements just before xmas, posted first letter on 8th Jan 07 requesting the full amount. Received a standard response two weeks later that they were looking into it. No further response so forwarded the second letter on 24th Jan 07. Received no response within the 14 days specified. I sent a claim via Moneyclaim on 7th Feb 07. Today received a response from the Natwest offering £2,466.85 :T :j the letter did refer to my initial correspondence dated 8th Jan 07 not to the date of my court claim. The poor !!!!!!s, they must be swamped ha hah :T I will be contacting them on Monday to at least have my court fees reimbursed and try to obtain the interest.

I do not intend to cancel the court claim until I receive the court fees back. Thanks to Martin and all those on this thread who kept me going, rather than letting them get away with it..:money:

chekhov

Sorry if if this post is being repeated but I didn't notice it being acknowledged the first time around.
I filed my claim against Lloyds TSB at the beginning of January. I have just received notification that they wish to defend the claim along with an "allocation questionnaire" which must be completed and returned on or before 02 March 2007. In addition "A fee of £100.00 is payable by the claimant on the filing of their allocation questionnaire."
Is this a new tactic to deter the resovle of the claimant or has it always been part of the process? Also is there a template for filling in this form?

JBRebel

Hi, looking on the Consumer action group website I now realise Lloyds do this every time. you can claim that £100 back, there is tone of stuff about lloyds on the CAG website. keep smiling, dont back down... I'm not, they can't win!

moiralucc

Nat West Bank
Current a/c
Amount claimed £3,300
Amount received £2,990

Application made as set out on your site, response received without further correspondence. Thank you very much indeed.:T

MRBUNGLE_3

Rex_Mundi wrote:

The address is most important if you need to send in the bailiffs. For this, you can use your local branch address. The bailiffs would be able to collect goods to the value of the debt from there (as happened in a London branch).

Thanks Rex, But the Only registered address for Tesco Personal Finance is in Edinburgh and as they have no branches as they are a collaboration between Royal Bank of Scotland and Tesco. And MCOL states that the address must be in England and will not accept a Scottish address.

So do I have to use the Scottish claims court, and can I do this as I reside in Brighton.

Thanks in advance for any help

Justin

chekhov

Hi Markie. I'm at roughly the same stage as you in my claim against Lloyds TSB. I too have received notification that they wish to defend my claim along with another form to fill in (N152) "Allocation questionnaire" which must be completed on or before 02 March 2007 and furthermore "A fee of £100.00 is payable by the claimant on the filing of their allocation questionnaire"
I'm afraid I can't advise you on this since I'm only following the step by step instructions myself but I have posted an enquiry on the discussion thread so you might want to have a look at the response to that. I will also! I'm going all the way with this, whatever it takes. Hold your nerve and good luck!

chekhov

You will need three photo copies. I too went through all my bank documents going back six years (glad I saved them). It's a bit of a chore photocopying all the data but I hope it will be worth it. I didn't do a spread sheet but if that's easier for you then by all means use that method. For anyone with all their statements to hand remember you only have to photocopy the ones with the illegal charges on, not every single one! And also they are numbered so just identify the numbers of the relevant ones and photocopy just those.

seeall

iglimpse wrote:

:mad: I am helping my sister to reclaim charges from Abbey (back to 2002). I applied using the template letter but what I got back was useless. Lists and lists of spends but no info on the charges incurred, or the balances. I don't want to let that deter me... Is this their usual ploy?

We have already opened a new account, so that one is dormant for now:cool:

Clearly I need to write back and reiterate that it is the charges info I want, unless you can suggest anything else

Intrestingly, I wrote to First Direct and quite specifically asked for a list of my Bank Charges over the past 6 years.

They sent me a copy of all my bank statements for the last six years instead! I have these on file anyway and the paperwork was so huge, they had to send it in two seperate packages.

I have a distinct feeling that this must be a stalling tactic from the banks. It stalled me. But I won't let it now!

I wonder what the next step is in this situation. Has anyone got any ideas?

xx

Rex_Mundi

seeall wrote:

They sent me a copy of all my bank statements for the last six years instead! I have these on file anyway and the paperwork was so huge, they had to send it in two seperate packages.

I have a distinct feeling that this must be a stalling tactic from the banks. It stalled me. But I won't let it now!

When you write to the bank requesting your info under the Data Protection Act. They are obliged by law to provide the info. They not not obligated in any way to break down this info to how you want it. If they send out copies of all your statements, they are complying with the law. It is then your job to sift through the statements looking for the charges and adding them up (making your own list as you go). There is no law or regulation forcing the banks to provide you with just a list of charges, and there is nothing you can do to force them to provide this.