Reclaim Unfair Bank Charges Discussion Area

sonskyn

Hi, I hope somebody will be able to assist me.

I just wanted to know if I would be able to claim back late payment charges from an internet account like JD Williams ie NOT A BANK ACCOUNT.

Just wanted to add that this is a great site and in a conversation with a bank yesterday they treated me with a bit more respect :rotfl: when I could have an intelligent discussion about the best ISA's, credit cards rates... The guy gave up trying to sell unnecessary things to me.:T

Celicaman

It doesnt matter whether its internet or normal bank account, if they have charged you for late payment fees, you can claim it back.
Click on the post 4581, i wrote previous, it has link on to Martins guide on claiming.
Be confident, this site proves what can be done by individuals, dont be bullied by the banks

Twinkly

Originally Posted by Twinkly
There are no reported cases of claims lost with any bank and they do not turn up at court.

The_Scarlet_Pimpernel wrote: »

Incorrect and incorrect.

Go to Consumer Action Group and search for Henry v Natwest for the lost case (before CAG, one is glad to say), and amongst others, search for Bookworm v First National Motor Finance for won in court.

They turn up in court for first hearings in Scotland on a regular basis. They turn up in court for preliminary hearings, set asides and many many others.

The_Scarlet_Pimpernel wrote: »

Good for you. Personally, when I see a sentence like that, I only understand it one way: There are no reported cases of claims lost with any bank and they do not turn up at court. Which is incorrect.

How did you understand it then?

Allow me to clarify. Since you have chosen to comment on only one sentence I would like to point out that there are sentences preceeding it. In order to comprehend a sentence it is generally advised to read the entire post to enable full comprehension and apply relevance.

My post was in reply to a specific question regarding claims against Abbey National in particular. It is made clear from the outset that my information is specific to the reported success cases in the thread on this site only.

Therefore the entire post is: correct and correct.

I fail to find specific reference to Abbey National in your post therefore I have no reason to go to CAG for irrelevant information.

I find my post in answer to a specific query in its exclusive assessment of MSE Success thread with regard to this particular bank, and others, to be entirely accurate. It will not be edited.

redruby

Twinkly wrote: »

Sorry for the delay in reply, things got a bit busy at home here

Technically I would think the offer letter could be withdrawn at a point prior to your acceptance. I think it is your acceptance that legally 'binds' it. I'd advise though to read the conditions of the settlement carefully, dont sign to say you wont ever claim again and ensure this acceptance is clearly indicative of charges between the certain dates. Provided you accept before withdrawing legal proceedings then it should be fine. Get a definite date for payment though as although some banks settle they drag out the payment.

Get a second opinion though as I am no expert, I just have logical opinions. Banks are not logical

As ever you are a complete star :T than you x

Mum_on_a_mission_2

I am Trying to reclaim from Lloyds TSB Plat credit card.

No response to LBA letter so i filed a court claim, which has not yet been acknowledged.

I get home to the following letter -

Whilst our opinion regarding our charging policy has not changed, we are prepared to reduce all of the past 19 charges that you have disputed from xxxxxx to xxxxxx inclusive to £12, in an effort to bring this matter to a mutally satisfactory conclusion. This will result in a refund of £xxx by cheque. I am also prepared to refund 8% interest on this total, making a total refund of £XXX.

If you are willing to accept this offer in full and final settlement of your complaint please sign and return the enclosed acceptance letter in the pre-paid envelope provided. I will then arrange for the cheque to be sent. The Bank's offer is made in full and final settlement of your concerns and is available for you to accept until 26 April.

This letter is the bank's final response....blah, blah, blah

What should I do - its not an offer I want to accept - do i just respond saying no, or do i say I've already lodged a claim?

Moam

Twinkly

Mum_on_a_mission wrote: »

I am Trying to reclaim from Lloyds TSB Plat credit card.

No response to LBA letter so i filed a court claim, which has not yet been acknowledged.

I get home to the following letter -

Whilst our opinion regarding our charging policy has not changed, we are prepared to reduce all of the past 19 charges that you have disputed from xxxxxx to xxxxxx inclusive to £12, in an effort to bring this matter to a mutally satisfactory conclusion. This will result in a refund of £xxx by cheque. I am also prepared to refund 8% interest on this total, making a total refund of £XXX.

If you are willing to accept this offer in full and final settlement of your complaint please sign and return the enclosed acceptance letter in the pre-paid envelope provided. I will then arrange for the cheque to be sent. The Bank's offer is made in full and final settlement of your concerns and is available for you to accept until 26 April.

This letter is the bank's final response....blah, blah, blah

What should I do - its not an offer I want to accept - do i just respond saying no, or do i say I've already lodged a claim?

Moam

A short letter regarding their recent correspondence rejecting the offer therein and advisal of claim lodged at court, of which they will shortly receive official notification, should suffice. As always send it recorded delivery. Good luck with your claim

The_Scarlet_Pimpernel

Twinkly wrote: »

Originally Posted by Twinkly
There are no reported cases of claims lost with any bank and they do not turn up at court.

Allow me to clarify. Since you have chosen to comment on only one sentence I would like to point out that there are sentences preceeding it. In order to comprehend a sentence it is generally advised to read the entire post to enable full comprehension and apply relevance.

My post was in reply to a specific question regarding claims against Abbey National in particular. It is made clear from the outset that my information is specific to the reported success cases in the thread on this site only.

Therefore the entire post is: correct and correct.

I fail to find specific reference to Abbey National in your post therefore I have no reason to go to CAG for irrelevant information.

I find my post in answer to a specific query in its exclusive assessment of MSE Success thread with regard to this particular bank, and others, to be entirely accurate. It will not be edited.

Ah. Forgive me, I thought that looking for lost cases in a success thread would have been a bit of a non-starter.

I fail to see that you were referring to Abbey only when you said: "There are no reported cases of claims lost with any bank", and therefore that "they" in the same sentence also referrd to Abbey only.

Edit, don't edit. Your choice. As long as people can read elsewhere that your information is not 100% accurate, not a problem.

Scotties_Mum

Twinkly wrote: »

It may be worth a phonecall and initially state you are pregnant and due in a few weeks (congrats by the way ) and so wish to avoid a court case if possible. I would play on that perhaps they will be a bit nicer to you

Think first what you will settle for and give them that figure, they may be willing to haggle a bit. If they dont come up with a satisfactory offer then you file a court claim. As I advised to someone going on holiday earlier, court action is entirely under your control as to when it is initiated. The banks may close your complaint and the account but you can reclaim at any time in the next 6 years remember. The OFT report will not change that right andnot going as far as court at this time will not prejudice a future complaint. Do Not sign anything to say the complaint is settled if you dont accept anything. You can leave any court action until after your child is born and you are feeling up to it.

Alternatively, you can accept a settlement in part payment of your full claim and do not sign anything to say you will not claim again. Restart the claim when you feel up to a court case. It isnt hard but requires some time which you may not feel up to, new babies steal your sleep !

In the meantime and regardless of the banks you can always complain to the Financial Ombudsman about the closure of the account and may be eligible for £200 compensation as it is a retaliatory measure against reclaiming bank charges. I would get that complaint off now to them. The FO may be able to stop it happening or get you compensation.

Whatever you decide to do best of luck to you and try not to stress about it. The bank is more worried than you believe me. Relax as much as you can about it and take the next few weeks easy

Thanks for that.
I have emailed N&P yesterday giving chance of early settlement (£1,600 instead of £1,840 plus interest, court fees etc), to which they replied promptly saying passing to their banking ops manager and will deal with within 10 days. I emailed them back again saying no can do as baby due 12/4/07 and will instruct Moneyclaim 48 hours after original email, as want to resolve one way or another before I went into hospital. I have another email from them this morning saying thank you for explaining personal circumstances, and that 10 days is maximum time will take, but will try to resove sooner for me.
I am tempted to wait for their decision as they do at least seem to be reading my letters / emails properly rather than just sending standard stuff through to me. What do you suggest? Give them 10 days, or instruct Moneyclaim tomorrow???

esmerellda

esmerellda wrote: »

Couple of examples from the success thread for claimants against abbey

2387 claimed
2100 received

3111.00 claimed
2250.00 received

9025 claimed
8350 received

580 claimed
465 received

150 claimed
100 received

This is because the thought of going to court has worried people into accepting less than they are ENTITLED to.

Abbey are difficult - not particularly more so than others (except natwest and RBSS who at them moment are quite simple)

Abbey are likely to take you up to the court steps. They are likely to defend, enter AQ's, and let you comply with directions before settling a couple days before a hearing.

Abbey do turn up to prelim, allocation, case managment and directions hearings.

You will win 100% of your charges back plus 8% interest plus court costs, stick to YOUR timetables, follow the process, and comply with orders from the court....and be patient and do not let the thought of court scare you - the judges are as hacked off with them as we are, and Abbey won't show at a full hearing for a standard bank charges plus statutory interest claim...but be prepared to take it to the steps of the court.

duplicated - people ARE accepting less than entitled - this is not classed as settled in FULL ! There is no need to walk away with anything less than 100% !

Twinkly

The_Scarlet_Pimpernel wrote: »

Ah. Forgive me, I thought that looking for lost cases in a success thread would have been a bit of a non-starter.

I fail to see that you were referring to Abbey only when you said: "There are no reported cases of claims lost with any bank", and therefore that "they" in the same sentence also referrd to Abbey only.

Edit, don't edit. Your choice. As long as people can read elsewhere that your information is not 100% accurate, not a problem.

My information is 100% accurate in its intention to answer a particular post directly and with only information pertaining to that query at any given time. I have explained this in detail and you choose to deliberately ignore this. That is your choice, quite frankly I do not care. Given your implied level of intelligence you cannot see the post for what it is and choose to interpret it to detriment. Your misunderstanding of that one sentence can only be regarded as deliberate and arguementative.

I have answered the query directly after being asked to do so and the original poster of the query has yet to express any confusion or require further clarification. If anyone else happens to read the post in the post in the same way as you are choosing to deliberately do then this post further serves to enlighten them as to the exact nature of my post. It further enlightens them to the nature of your post in its perceived intent to deliberately misconstrue and obscure the information presented. For that this discussion has some slight positive merit.

I am here to help. I will no longer entertain your attempt to troll for my attention in this thread or your deliberations purposely ignoring the exact nature of my post. Arguementative and deliberately deconstructive posts do not help anyone and I will no longer engage in this discussion.