Anyone had experience of a company/solicitor doing the work of reclaiming? (merged)

HariboJunkie

esmerellda wrote: »

Simon...really its three letters send a specified intervals and a couple hours one evening adding up the charges....is that worth 25% !

Step 1 : send DPA letter to get list of charges (10 mins and a stamp)

Step 2: Add the charges up (maybe an hour)

Step 3: Post first letter (10 mins)

Step 4: 14 days later post 2nd letter. (10 mins)

Depending which bank it is natwest/rbs you'll get a cheque then

else step 5: enter court claim (online - an hour max) so 2.5 hours - your claim is 2k plus of which 25% is £500 ! nice hourly rate if you can get it

step 6: wait for your money

Yes that does sound easy but in Scotland the small claims limit is £750 and the next step up is Summary Cause at £1500. With 2 claims above this amount I have to raise an Ordinary Action which requires a lawyer and in Scotland we can't us MCOL either. So it is much trickier up here and I'm seriously considering getting someone to help me out. I am at the staage of sending my second LBA.

esmerellda

Scotland I would recommend using the FOS....or claiming from an England address is possible through the english courts system. I wouldnt recommend splitting claims in scotland as I know Edingburgh court at least won't accept subsequent claims.

How much is your claim for ?

Govan Law Centre may be a good site to look at for some tips.

HariboJunkie

Thanks for that.:A

LTSB £5084 :mad: :eek: (current account)

CB £2970.50 :mad: :eek: (closed business account)

Someone on CAG advised to still split the claim for LLoyds and go down the FOS route for CB as they are resisting split claims but I think it will be safer to do this for both.
The claim for Lloyds only goes back 4 years as this was all I had online and I wanted to get a move on. I have applied for my charges predating this and the intention is that my husband will reclaim these under his name when we find out how much they are.

Edilass has just given me the link for FOS. Why couldn't I find that?

esmerellda

yes I think you are right to do that for both of them...the FOS seem okay in Scotland and get interest too, but maybe a little slower than court claiming.

Edilass has just given me the link for FOS. Why couldn't I find that?

you forgot theres internet outside MSE ??

esmerellda

Oh yes - Good luck with both your claims

buckerlee

I have a client who wants to claim back charges on his business account. The volume of transactions means that he simply does not want to do this himself. Has anybody used one of these companies themselves, or know of anybody who has?

Thanks in advance

AlexisV

That'll be within an Accountant's remit I should think. There aren't any specific companies setup just for this issue.

Rain_is_Insane

There are companies out there who are charging extortionate rates for claiming charges back for you, however if he would like to make a small donation to comic relief i'm sure i could help out

adriansargent

Hi there,

Did a search on google for this and came up with a company that charges 25% for the whole process, has anyone else done this? many thanks

AlexisV

LOL 25% for sending a few letters?

Follow the instructions on here.