Reclaim Unfair Bank Charges Discussion Area

Rex_Mundi

clarenic wrote:

... it's Letter Before Action and Money Claim On-Line.

Please someone correct me if I'm wrong!

Clare

.

As I read them (LBA and MCOL). That's what they mean to me

billylaws

I just called the Halifax requesting statements for the last 6 years for my credit card. They have informed me that they charge £5 for the first 5 statements and £5 per statement thereafter. Are they allowed to do this?

clarenic

Hi

I did ask this before but I think it got lost!

I've now registered and started my claim with Money Claim. Do I need to send anything to the bank at this stage? It says in the Particulars of Claim that I'll be sending another schedule of charges? Also, do I need to send anyone copies of the spreadsheets where I worked out the 8% interest?

Thanks,

Clare

fizzyhelen

billylaws wrote:

I just called the Halifax requesting statements for the last 6 years for my credit card. They have informed me that they charge £5 for the first 5 statements and £5 per statement thereafter. Are they allowed to do this?

Hi
If you send the "Ask for charges details" letter above, the maximum they can charge is £10.
HTH
Helen

fizzyhelen

clarenic wrote:

Hi

I did ask this before but I think it got lost!

I've now registered and started my claim with Money Claim. Do I need to send anything to the bank at this stage? It says in the Particulars of Claim that I'll be sending another schedule of charges? Also, do I need to send anyone copies of the spreadsheets where I worked out the 8% interest?

Thanks,

Clare

Hi Clare
Make sure you send the Court a copy of your schedule of charges, ask them to attach them to your claim.
Good luck!
Helen

fkelanne

hiya, after reading the posts i have sent two letters off one to HSBC for £2406 and capital one for £170. I foned HSBC 2day to see if they had got my letter and they said they had and its getting dealt with. fingers crossed i can full amount.
I have just logged into my cap one account and as i am £93 over my limit they have charged me £12 not the £20 they have charged in the past.
Has any1 else found this? They must of gotting my letter aswell. so they no they r in the wrong.

vauxhall_babe

Hi
Well I've finally went ahead and send in the initial letter to my bank requesting the charges but... I put 6 yrs but I live in Scotland and only just read earlier in this thread that its only 5 yrs for us Scots.

Those that have had the costs from the Lloyds TSB, can I ask do they really break it down into months/year for the charges, that way I can ignore the initial year if you see what I mean and just work out the 5yrs. I'm just wondering how detailed the info is they send you.

My letter only went in the mail this afternoon as well, with the payment, and I would hate to have to send another one apologising that it should have read 5yrs. Looking unprofessional right at the outset!
Thanks for any replies.

clarenic

fizzyhelen wrote:

Hi Clare
Make sure you send the Court a copy of your schedule of charges, ask them to attach them to your claim.
Good luck!
Helen

Hi

Thanks for your reply.

The claim has been issued - is it ok to send it now? Won't it be late?

Clare

diluvsdiscounts

I own a small business would this process apply to that account or is it personal accounts only?

HSBCrusher

You can claim buisness penalty charges as well, there is no difference.