Reclaim Unfair Bank Charges Discussion Area

tosca5

teenyweeny wrote: »

I'm noticing that loads are after the same answers this morning! I'm happy to feel a twit but can you just confirm that when you say "proceed and stick to the timescales" in my case that is, write the second letter about the court notice??????

Am I right?????

Sorry to be such a pain! But never, never been there before so just checking!

Big thanks.
Tina

Go ahead with your 2nd letter..

jarofnothing

We have now got as far as the M.C.O.L. with the Halifax we want charges back from 6 years totalling £995+ £80 court costs.
We got an acknowledgment of service dated the 19th of march and the box is ticked saying that they intend to defend all of this claim. They gave a refund as a goodwill gesture last July 06 we accepted less than half of what they stole from us and they carried on charging £39 a pop.
The thing is when they gave us that goodwill gesture(yea right) they had us sign a letter saying this was in full an final settlement.We dont belive that they could justify that sort of bribe in court,but we are a little concerned has anyone out there accepted a goodwill gesture an then later asked for the rest have we got a leg to stand on. It is still our money and they would still need to prove actual loss. The charges were made because of insuficient funds when direct debits were requested we have a basic bank account we cant go overdrawn and they charge us interest for having our benifits go in.

They have been taking our child benifit off us for years now we have really had enough. Any body know the senario ,any advice welcome ,good luck everyone!!!!!!!!!:cool:

tosca5

jarofnothing wrote: »

They have been taking our child benifit off us for years now we have really had enough. Any body know the senario ,any advice welcome ,good luck everyone!!!!!!!!!:cool:

Service charges i've only just realised i'm being charged £28 per month for account, it's only a basic account i don't have an overdraft facility. Like you it's my child benefit they are taking...i don't know what to do either and i'm feeling pretty peeved off.:mad:

adwozere

Hi
Today I got my list of bank charges from Lloyds TSB (£3289 + intrest),my next step is to list them and send them off, is this sent to the same address as I used when I asked for a list of all my charges or is it a different one.:huh:

Twinkly

teenyweeny wrote: »

I'm noticing that loads are after the same answers this morning! I'm happy to feel a twit but can you just confirm that when you say "proceed and stick to the timescales" in my case that is, write the second letter about the court notice??????

Am I right?????

Sorry to be such a pain! But never, never been there before so just checking!

Big thanks.
Tina

Dont feel a twit everyones circumstances are different and one persons situation may not be exactly the same as yours so checking doesnt hurt anyone

Providing you have allowed the 14 days given in your first letter and are not satisfied or have received no response then my answer is yes, proceed to the second letter, this being your letter before action (LBA) in which you are now entitled to request interest added to the original amount.

Good luck

jarofnothing

codydog78 wrote: »

i sent off the first letter to the halifax towards the end of febuary. they didn't repy within the two week time time scale. so two days ago i sent off the "taking them to court" letter, feeling very miffed that they hadn't even bothered to reply.
Today, i recieved a letter from them, dated 19th March - so way after the first two weeks and before they recieved my second letter - stating that they need 8 WEEKS to investigate my claim. It's their standard reply to complaints i guess as i got a little leaflet about complaining with it.

Am i still entitled to continue with my two weeks then i start court proceedings threat??

i'd like to as i'm miffed at being brushed off like this.

advice please anyone!!!

Taking them to court online with the M.C.O.L. is soooooooooo easy apart from having to pay but you get that back anyway ,you gave them resonable time now time is up file that claim its yours!!!!:cool:

Twinkly

jarofnothing wrote: »

We have now got as far as the M.C.O.L. with the Halifax we want charges back from 6 years totalling £995+ £80 court costs.We got an acknowledgment of service dated the 19th of march and the box is ticked saying that they intend to defend all of this claim.

The thing is when they gave us that goodwill gesture(yea right) they had us sign a letter saying this was in full an final settlement.If this settlement was accepted in relation to the entire claim that is at court stage now this is a problem. They can argue that the entire claim was settled at this point and you have broken a written agreement. If you made the claim for the full amount that is now at court stage afterwards and in addition to any previous claim I believe this is fine. The final amount claimed should take into account any refunds made previously outside of this claim and be only for the remaining charges.

We dont belive that they could justify that sort of bribe in court,but we are a little concerned has anyone out there accepted a goodwill gesture an then later asked for the rest have we got a leg to stand on. It is still our money and they would still need to prove actual loss. The charges were made because of insuficient funds when direct debits were requested we have a basic bank account we cant go overdrawn and they charge us interest for having our benifits go in.

They have been taking our child benifit off us for years now we have really had enough. Any body know the senario ,any advice welcome ,good luck everyone!!!!!!!!!:cool:

Text in this colour is my edit to the original post and answer of specific point

I hope that helps clarify your position a little further and good luck

Jacki_2

I am new to the forum. I have received a reply from Abbey after asking for £1599.87 worth of charges to be refunded (figure includes interest). I gave them 14 days to respond from 3rd March. I received a reply on 13th March. They have said they want to resolve my complaint quickly, but want to complete a thorough investigation which takes time, and they will write to me in 4 weeks, if not before!! Is this them stalling for time because they know they will not have to refund me the full amount if they can delay it long enough until this new change comes in? It will be the 10th April before they have to reply to me. I am a bit unsure of what to do. I guess I have to just sit tight until I hear from them. Can anyone please advise??

pigsmightfly

Jacki wrote: »

I am new to the forum. I have received a reply from Abbey after asking for £1599.87 worth of charges to be refunded (figure includes interest). I gave them 14 days to respond from 3rd March. I received a reply on 13th March. They have said they want to resolve my complaint quickly, but want to complete a thorough investigation which takes time, and they will write to me in 4 weeks, if not before!! Is this them stalling for time because they know they will not have to refund me the full amount if they can delay it long enough until this new change comes in? It will be the 10th April before they have to reply to me. I am a bit unsure of what to do. I guess I have to just sit tight until I hear from them. Can anyone please advise??

Stick to your timescale not theirs. If their time is up, go to the next step

shelsbels

hiya
i sent my letter with list of charges to halifax last week (16th march) sent it recorded delivery,have checked royalmail website to see if they have received it,still nothing??? surely they would have done by now?? anyway,when do i send my 2nd letter (lba) do i count 14 days from 16th? or later? any advice would be appreciated
shelley