Reclaim Unfair Bank Charges Discussion Area

PAWI69

I've just been drafting up my 2nd letter to NatWest as I've not heard a dicky bird from my 1st letter requesting a refund. Looking at the template letter it reads........

"I am writing to inform you I intend to claim the full amount claimed together with interest up to the date of judgment and court fees in the proceedings through the county court.".......

Does this mean the that on the date of judgement I can adjust/correct the interest from the date each charge was applied? (this would mean that adding 8% interest on the calculator on the date I origionally sent my 1st letter is out of date)....if you know what I mean

steviebee_2

I live in Scotland, can you use MCOL in Scotland? didnt think you could

esmerellda

Nope. Need to pop down the court and pick the forms up.

pigsmightfly

steviebee wrote: »

I live in Scotland, can you use MCOL in Scotland? didnt think you could

Sorry didn't realise you were in Scotland

sonskyn

TRACII wrote: »

anyone out there having problems with banks dragging their heels over sending back info?? have included a cheque for £10 when requesting list of charges incurred at the bank of scotland,,,,32 days,,still waiting

Hi Tracii, I just received my bank statement on day 40, but have to say, there is still a year missing. But I think it got delayed in the post as they have sent it in different envelopes:D

billiemischief

Hi,Ive sent my bank,halifax,the first one asking for my 1955 pounds,also the second one saying if in 14 days blah blah i will take to court.Ive also phoned them several times,they say they have 8 weeks???Do i use mcol and take to court on monday coming(thats the 14 day deadline)or do i wait up to 8 weeks????

PAWI69

billiemischief wrote: »

Hi,Ive sent my bank,halifax,the first one asking for my 1955 pounds,also the second one saying if in 14 days blah blah i will take to court.Ive also phoned them several times,they say they have 8 weeks???Do i use mcol and take to court on monday coming(thats the 14 day deadline)or do i wait up to 8 weeks????

Hi, stick to your timescales not their's, continue onto the next stage on Monday. Hope this helps & good luck :beer:

pigsmightfly

billiemischief wrote: »

Hi,Ive sent my bank,halifax,the first one asking for my 1955 pounds,also the second one saying if in 14 days blah blah i will take to court.Ive also phoned them several times,they say they have 8 weeks???Do i use mcol and take to court on monday coming(thats the 14 day deadline)or do i wait up to 8 weeks????

Yes start MCOL when the days are up - always stick to your own timescales and not theirs. You have sent them letters informing them you will start court if the didn't reply so they are fully aware.

Good luck

stargazer59

just thought you would enjoy this!! Spoke to someone at Cap One today who said they have NOT refunded anyone their charges.It is all just media hype!!! Does she not live on the same planet as us??

manxlass_2

steviebee wrote: »

I live in Scotland, can you use MCOL in Scotland? didnt think you could

I'm not sure about Scotland but I live in the Isle of Man and I checked with MCOL helpline who said that as long as there was an address in England that the paperwork could be delivered too, I could put a claim in.