Reclaim Unfair Bank Charges Discussion Area

pigsmightfly

Twinkly wrote: »

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.

Well said Twinkly :T

Twinkly

Scotties_Mum wrote: »

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???

As you say they do seem to be regarding your personal circumstances and they are snowed under with this type of complaint. As seen in the Barclays situations on Whistleblower it is staff at the lower chain of command who will have the job of dealing with communications and passing them on.

To be fair to both you and them I would give them a few days at least to try and come up with a reasonable settlement. Thats just my considered opinion, I remember well the last few weeks of my own two pregnancies and the less strain on you the better. It is primarily you I am thinking of here

Elvie_2

Have just registered on this site,never been on a chat forum before.Am currently trying to reclaim bank charges from Halifax total of £8167.00.Have sent the letter asking for a fund 3weeks ago and have been ignored.I am about to send the court letter but abit worried ,dont know if ineed to see my solicitor now as it is such a large amount.Has anyone else claimed this sort of amount ?

esmerellda

You don't need a socilitor Elvie

with a large amount like this you do need to make sure you do things carefully.... send the precourt letter giving 14 days - and spend the next week preparing your claim.

I would advise you to register at the consumer action group site - they have a lot of experience of larger claims in the fast track...no offence to this site at all.

You will be well advised to file you claim manually rather than online. Its just a s easy and helps negate some problems later on with lack of details etc being claimed by the bank in the defence.

Banks are more scared of fast track than we should be...but there are slightly higher risks - in that should you lose (and it would take one mothr of a major !!!! up for you to be anywhere near losing) you may have costs awarded against you - generally limited to £750.

Entering your claim will cost you £250 and later on you will need to pay an allocation fee of £100.

I hope that does help...if you do have any questions please ask me. I can grab links for you to forms and what to write if you need them.

Dont worry- and dont be tempted to forfeit 3k to stay in small claims...

Love

Esme

kellbell_3

Hiya

I have recieved my aknowledgement letter from MCOL but it states that it has been sent from Nothampton County Court, and HSBC's solicitors are DG in Birmingham. I live in Essex!!!!! Is this right, or have they issued my claim to the wrong court?

Thanks for any help!

Kelly

doorwoman

Hi everyone,

I'm trying to get my charges back from Barclays. I sent them the 1st template letter and I received a reply from them yesterday which said:

"We are sorry you had to contact us about the level of service you have received from Barclays. ...... We Are looking into your concerns and will let you have an answer or update as quickly as possible, but no later that 20th April 2007."

I'm not too sure what to do next. My hubby want's me to send the next letter as he thinks they are just buying time. Where as I think they have replied so that I don't think I'm being ignored and they really are looking in to it. I think maybe they have a lot of people trying to claim the bank charges back thanks to Martin and that's why they need so long to get back to me.

What do you guys think?

manxlass_2

Twinkly, can you help me, I have just had a panic, when putting my claim in through MCOS, I haven't followed the wording on the website, I have only put that I am reclaiming bank charges under the Unfair Terms in Consumer Contracts Regulations, will it matter???

Helmbroken

Morgan Stanley have offered to compensate £200 :rolleyes: (claimed £706.04), being an offer of the difference between the £20 charges & the new £12 one's.

I wish to accept this, whilst still carrying on my claim for the full amount.

What is the wording I should use to accompany their acceptance letter (was something like 'thanks, but without predjudice, would accept this, but be continuing ' .... )

Can anyone suggest a response?

Cheers.

esmerellda

manxlass wrote: »

Twinkly, can you help me, I have just had a panic, when putting my claim in through MCOS, I haven't followed the wording on the website, I have only put that I am reclaiming bank charges under the Unfair Terms in Consumer Contracts Regulations, will it matter???

manxlass.....is that exactly all you put hun ? when did you put it through / if yesterday you mightbe able to stop it before it goes through the system, if not you definately need to amend the claim...before it gets to a defence being entered.

let me know and I'll help you sort it (or twinks will)

Love

Esme
x

esmerellda

doorwoman wrote: »

Hi everyone,

I'm trying to get my charges back from Barclays. I sent them the 1st template letter and I received a reply from them yesterday which said:

"We are sorry you had to contact us about the level of service you have received from Barclays. ...... We Are looking into your concerns and will let you have an answer or update as quickly as possible, but no later that 20th April 2007."

I'm not too sure what to do next. My hubby want's me to send the next letter as he thinks they are just buying time. Where as I think they have replied so that I don't think I'm being ignored and they really are looking in to it. I think maybe they have a lot of people trying to claim the bank charges back thanks to Martin and that's why they need so long to get back to me.

What do you guys think?

SEND THE NEXT LETTER _ THEY ARE BUYING TIME

much as it gauls me to say a mans right

Stick to YOUR Timetable the whole way through this