Reclaim Unfair Bank Charges Discussion Area

jamdown

Can someome please tell me which MCOL form you need to fill in to start claiming in court as i have read different posts and there seems to be different ones.:o

Celicaman

Hi, i dont know about different forms, i just registered details at MCOL & then you start new claim. here is the link to register. once you do that you log in to it as an account and can start any amount of claims, its pretty straight forward

https://www.moneyclaim.gov.uk/csmco/index.jsp

Edinburghlass_2

angade wrote: »

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?

Write and tell the bank you will accept the amount in partial payment and without prejudice but will be continuing to court for the remainder.

funtimefrankienyc

So far had relative success with Barclays Bank (altough i settled for £910 out of a total £2050 as i was off work sick at the time and desperate for the money) and also total success with Marbles card for the sum of £385.04. They provided statements free of charge, made one feeble attempt at settling for less, then paid in full once court action was threatened, although it was a gesture of goodwill and not an admission of liability (yeah right!!!)
Barclaycard have failed to provide information within 40 days and have now been reported to Information Commissioner.
Virgin credit card (aka MBNA) made payment of £100 against a bill of £211.96 and refusing to enter into further discussion, so commenced legal action.
Similarly Capital One offered £102 against a bill of £324.47. Commenced legal proceedings and they have indicated they intend contesting all of the action. Offer withdrawn.
Lloyds TSB Credit card offering nothing. Lloyds TSB bank not even acknowledged letter yet.
Will keep you posted

4grand

hey guys,

My case with Lloyd's TSB is being transferred to my local court and I am filling in an allocation questionnaire.

What do I do now? I have got a load of writing (10 points) from the banks solicitors saying how they think the charges are fair and lawful etc.

Any advice appreciated!

Vickyhutch

MSE_Jenny wrote: »

This thread is specifically to discuss the content of the new updated article

How to Reclaim Unfair Bank Charges
(this discussion replaces the discussion from the prior article)

To discuss or ask a question about this article: click reply

Please note if you want to discuss 'the rights and wrongs of reclaiming charges' this isn't the place - this is a practical thread instead do it here

I have sent my first letter off to the Nat West Bank and received a reply back from them stating that they are sorry that they have not yet been able to respond however could i bear with them and state that they will reply within 21 days. Should i allow them this time? Is there something behind them asking for 21 days?

puddy

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.

thanks esmerellda, i think this is what Abbey are doing to me, so i will stick with it

fluffyturtle

Hi All!

Abbey have failed to defend their case against me and so i filed for judgement by default. Does anyone know what the timescale is for payment please? i requested immediate payment.

Thanks in anticipation

gingertop

hi everyone
i have just put my claim in to small claims .it takes five days to service claim does this mean five working days or just five straight days(i claimed friday evening after going through with the claiming process explained on this wonderful site)

temps1953

hi i dont know if i am on the right track or not, i am new to this i sent my first letter 36days ago. and i haven't heared anything yet is this the norm thanks