Reclaim Unfair Bank Charges Discussion Area

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Moominmama wrote: »

My boyfriend sent the template letter to lloyds asking them for a list of his bank charges for the past six years. From the list they sent we calculated that he has been charged £240. I know we haven't started his claim yet but I was wondering if we have to go to court would this list of charges be enough evidence. Should we ask lloyds for his actual statements?
I know it sounds premature but I just want to be prepared before we send the first letter.
I'd be grateful for any advice.

The list they have given you on their very own paper is proof enough that they charged you

Jackswan_2

vicky242a wrote: »

Hi,

I posted a question last week regarding Capital One and got some great feedback, thanks for that.

In the mean time i took the advice and declined their offer of £288, and requested that they pay the full amount of £800 back or i will take legal action. On Saturday i received a letter basically saying "go on then, because we are not paying you anymore charges back". Normally i would file a legal action straight away, but i am worried about this announcement from the OFT and how that will effect the banks defending themselves in court?

Would anyone else still go ahead with this or is it too close to this announcement to move forward?

Any ideas?

I have been dealing with two claims against Capital One credit cards, I have
had similar letters as you have, I did issue court proceedings against one account, they didn't acknowledge or defend the claim. I issued Judgement
against them on the 16th March demanding payment by the 23rd March. If
nothing is received by the morning I will request a Warrant against them for
£960.06 which included interest and court fees. The original claim was for £690, twice they offered £216 against that sum which I declined.

I am claiming £712 on the second card, they offered me £126, I declined.
Their last letter states their offer still stands for £126 so please sign and return the offer letter so we can save the courts valuable time. MCOL is
being organised as I type this today.

One interesting paragraph in an earlier letter states that the OFT haven't told them that they are obliged to refund any fees. What planet are Capital One on ?

My advice is stick to the timetables set out by Martin.

pigsmightfly

vicky242a wrote: »

Hi,

I posted a question last week regarding Capital One and got some great feedback, thanks for that.

In the mean time i took the advice and declined their offer of £288, and requested that they pay the full amount of £800 back or i will take legal action. On Saturday i received a letter basically saying "go on then, because we are not paying you anymore charges back". Normally i would file a legal action straight away, but i am worried about this announcement from the OFT and how that will effect the banks defending themselves in court?

Would anyone else still go ahead with this or is it too close to this announcement to move forward?

Any ideas?

Thanks
Vicky

Hi Vicky,

Just carry on to the next step - they tried this with me and I took them to court on 2 accounts and got full amounts back for both.

They are just trying to get you to cave in by making you think you arent going to get anything back but you will

fluffyturtle

Served Abbey with papers for my bank charges claim. Although they stated on their acknowledgement of service their intentions to defend the case the 28 days has now elapsed, and as far as i am aware no defence placed. nothing on Moneyclaim website under my claim nor through the post to me.

am i able now to ask the court to enter a judgement as no repsonse by abbey has been made?

thanks

weekenny

Hi folks,

Accepted offer from Bank of Scotland, does anyone know how long they take to pay out. It says within 14 days in letter. Anyone had experience with them?

Kenny

vicky242a

Thanks for all your advice on this and i have now filed a claim on MonelyClaim.

I would have accepted the offer if they had offered a decent amount, but they been rude when i've spoke to them as well.

Thanks
Vicky

goonergeezer

i have completed stage 3 and the bank have replied saying they will look into it and will get back to me in 8 weeks, should i just go onto stage 4?

janevictoria

Thanks for help. Have now sent off to MBNA, Access & Barclaycard, to date have had £136 credited to barclaycard, (saw statement on-line) it read, Late payment refund this aspect of the claim is £119-00 light, and there is no mention of the over credit charges which amount to £130. Have not yet had letter, but only saw this Friday (3 days after sending in claim letter) what should I do next?

vicke_p

Hi everyone

In relation to letters from solicitors acting on behalf of the banks (what some consider to be delaying and bullying tactics), are these letters sent using Royal Mail's recorded delivery service or something similar?
I only ask because if not and the letter goes missing in the post (which lots do), surely judgements can be entered by default should you not respond to a letter you haven't actually received?

apk1

Barclays:

I have not read all of this thread, but can confirm that Barclays policy is to refund 1/2 of the amount claimed. (Ex-staff!)