Closed account now with a DCA

AliceBanned

Bonkers is a great word to use - that's how they treated me! I was so stressed by it all, it was a few years ago and so I've left the account closed and in default which affects my credit rating, but they literally made it impossible for me to repay by charging me so much - I was completely stung by them but it took me a while to realise it wasn't really my fault - they were trying to make money out of me - now I'm claiming for those charges dating back six years (account closed two years ago) but am still waiting for the statements! One member of staff at Abbey on the phone even said to me "YOU got into debt, you must repay it". Abbey deserve to have to repay people - the lack of professionalism alone horrified me when I banked with them.

kevin713

The Bank Of Scotland closed my account last year. They are now seeking £934.37 of Unfair bank Charges against me.
They have passed this over to a Debt Recovery Agency. I informed them the amount they are seeking for their clients (BoS) is for Unfair bank charges which are illegal, and I WILL NOT PAY IT.
The Debt Recovery Agency are threating legal proccedings, on behalf of their clients. BoS
I told them that if they do, tell BoS I will defend the action in court should I get a summons.
If I get a summons what words should I submit for my defence???
PLEASE HELP
The way I see it that's the amount of money I should be claiming off them, and if it goes too court It should be thrown out.
What do you think,

villeroy1502

I've been reading quite a lot about this & I'm personally reclaiming against HSBC.

My advice would be to go to Citizens Advice, and discuss a possible counter action for your said bank charges.

But do it in the way it is outlined on this site or for a slightly more aggressive tone use the template on the consumer action group website. With the exception of the gentleman in the news at the moment (sorry his name escapes me, but he is a barrister) I'm lead to believe non of the cases have actually made it to a court room.

Either way seek legal advice whilst plotting a strategy.

Edinburghlass_2

I would suggest you write to the DCA and tell them you are in dispute with the bank regarding your account and you won't be paying anything or at most are prepared to pay £1 a week, then start your reclaim of the bank charges with the bank.

jpullan

Hi,

I worked for and held an account with Barclays from April 1993. I left there in Aug 2002 and stopped using my account in April 2005. The account exceeded it overdraft limit and was placed with a collection agency who are now receiving a token payment of £1 per month arranged by C.A.B. due to my poor financial state.

I understand from the M.S.E. site that you can claim 6 years worth of unlawful charges, my questions are:

1) Does the 6 years go back from now or from when you last had activity on the account

2) Would the fact that the account is now inactive and with collections have any bearing on my ability to claim any charges

If anyone can shed any light on this it would be much appreciated.



Thanks

magicmadam

ORIGINALLY POSTED THIS BUT ON AN EXISTING THREAD SORRY

Hi, I am asking on behalf of my daughter.
Her Bank, Barclays has already closed her account in September (she has got in a serious mess).
With the help of CAB, she made an offer to them but this was declined Her account had been referred by Barclays for recovery action.

Can she still apply to reclaim the Bank Charges?
I have all the letters from this website printed out and ready to send.
Any help, advice would be most appreciated.
Many thanks, Magicmadam.

PS WHICH ADDRESS DO I SEND THE ORIGINAL LETTER TO - THE BANK BRANCH OR THE DATA PROTECTION ADDRESS? Thankyou

Twinkly

magicmadam wrote: »

ORIGINALLY POSTED THIS BUT ON AN EXISTING THREAD SORRY

Hi, I am asking on behalf of my daughter.
Her Bank, Barclays has already closed her account in September (she has got in a serious mess).
With the help of CAB, she made an offer to them but this was declined Her account had been referred by Barclays for recovery action.

Can she still apply to reclaim the Bank Charges?
I have all the letters from this website printed out and ready to send.
Any help, advice would be most appreciated.
Many thanks, Magicmadam.

PS WHICH ADDRESS DO I SEND THE ORIGINAL LETTER TO - THE BANK BRANCH OR THE DATA PROTECTION ADDRESS? Thankyou

She can hand that letter in person to her local branch, getting a receipt of course or can send it, recorded delivery, to the address listed here in the first post for her particular bank:
http://forums.moneysavingexpert.com/showthread.html?t=400981

Again, good luck

smegs1978

Hello all,

Approx 3 years ago, i had racked up about £1500 worth of charges. However since then Natwest have sold the debt to a debt collection agency who are now seeking the money from me.

Can i still take it to court or have i left it to late to do anything about it.

Thanks in advance.

cheekyemma

Im claiming on behalf of my partner, but just wondering if we are legally allowed too because his account was because of all the charges and default payments, which ended in CCJs and his account being closed (he maintains he still owes them about £200) But my arguement is that it was because of all the unlawful charges that he got in such a pickle.. so what do we do?

cheekyemma

Can anyone please advise??