Reclaim Unfair Bank Charges Discussion Area

Edinburghlass_2

herby213 wrote: »

Team, I have followed the system down the line against the Alliance & Leicester, everything has been pretty much as predicted untill they did not aknowledge my claim and send me a cheque as most seem to have done.
In fairness the court has found in my favour as they recieved no response and a notice of judgement entered in my favour on the 26/3/07.
unfortunatly this is where Martins advice seems to fade apart from the baliffs option which is also the mcol next option.
can anyone advise wether they have recieved payment or communication at this point? Do they have a set period to respond? Should I contact them?
I am just at a loss what happens now.....
Any advice greatly recieved with thanks.

MCOL FAQ ...

http://www.hmcourts-service.gov.uk/cms/1051.htm#issuing

tinkerbell1978

ok sorry am still trying to cram all the facts in my head is it ok to ask a few thick questions!!!

Q1. i get child benefit and housing paid into my bank it was only until i read a post before something about they should not be allowed to take charges or money from these payments, sooo when i write my letter do i make sure i include this info!

Q2. i have lots of charges or 10.00 for reversal of loan payment (same bank) do i just accept these charges? as the money was not there on some occassions.

Q3. you can go back 6 years right? do i just ring my bank up and ask them to send me 6 years worth of statements?

cant think of anything else right now thank you for your help though everyone!

Edinburghlass_2

You need to read Martin's article and follow the step by step guide in it and use the template letters therein.

Step-by-step Guides: Bank Charges: Reclaim Your Cash | Bank Charges Video Guide | Top New Bank Account Calculator: Charge them interest Template Letters: (right click and save) Ask for charge details |Initial letter | Second letter | Small claims note Get Updates On Important Changes: Free Weekly Money Tip

You'll also find the addresses, what you can claim and help in the Reclaim Help Thread which is linked in my signature.

fumingforcash

MCOL
I have just filed a claim with MCOL against Abbey but don't remember seeing anywhere that asked what court. Does this come when they confirm the claim or have I messed up!!!!

Edinburghlass_2

Initially MCOL will file it at their local court which is Northampton and if it goes further it will then be transferred to the court nearest to you.

fumingforcash

Edinburghlass wrote: »

Initially MCOL will file it at their local court which is Northampton and if it goes further it will then be transferred to the court nearest to you.

Thank you for this. I thought I'd read something similar before in another post a while ago but needed reassuring. Now for the nail biting bit.

stevet2

Thanks EdinburghLass. I should have thought to check on there first.
I guess there is nothing stopping me filing a separate claim for the other amount too.

beverleyt

It was the deadline for Barclaycard to send me my statements today but didnt even though they cashed my £10 cheque 3 weeks ago and I havent heard anything from them. Is it worth calling them or will I just get the usual fobbing off response? Should I just report to the information commissioner and if so is it under Freedom of Information that I complain.

COPPERHEADJACK_2

fumingforcash wrote: »

Abbey

Hi. I'm about to file the claim on MCOL. Does anyone have an address to use for Abbey as I have 2 or 3 and not sure which one to use. Help asap please.

use the head office address to serve court papers
ABBEY NATIONAL PLC
ABBEY NATIONAL HOUSE
2 TRITON SQUARE
REGENT'S PLACE
LONDON
NW1 3AN

angade

We've done the first two letters as advised, and Abbey have sent a letter 'offering' £1148 against original claim of £4773.21. I say, 'offered' as they had actually transferred that amount before we even received the letter. We don't want to settle for less than a quarter of the original claim, but if they've already transferred that amount, can I still go ahead? Do I just write saying 'thanks very much but still claiming the outstanding amunt, and take them to court for the difference?

The letter seemed pretty standard, Sorry you're unhappy, gesture of goodwill, do not contravene the Unfair Terms, are not unlawful, charges sre for administration, etc.etc.

Sorry if this has been asked before or I've missed it in the articles!

Angade