Reclaim Unfair Bank Charges Discussion Area

Twinkly

lulu72 wrote: »

hi there
claiming from abbey £7658.84 with interest
filed online claim , abbey acknoledged then sent letter saying they are filing a defence i expected that, letter states that , they appreciate i may have previously forwarded details of my claim to there internal complaints department however, they do not have access to that information. Therefore could we provide them with,
details of how we calculated the claim and amount of each charge claimed and
details of how the interest is calculatted, showing how interest is calculated by reference to each charge.
Is this just to scare us and if when i sent the claim to them i gave all information on charges IE:date/charge/amount and interest i also sent them printed sheet of the interest calculator they also said i need to send this to the court but wont the court request this from me any help is greatly appreciated thankyou

Its quite plainly a stalling tactic. Why they expect you to believe that their departments deliberately do not talk to each other is beyond me. It insults peoples intelligence.

If the court want it they will request it and it is part of your claim so you would be taking it into court anyway.

Simply, all you need to do is send them the details of the charges and interest again. Theyre being awkward thats all. Good luck

Twinkly

manicblonde wrote: »

I have received notification from MCOL that HSBC have acknowledged my claim and intend to defend!!:mad:

I am a bit worried now as the defendants have solicitors and I dont!:sad:

Can anyone tell me if they have got past this point with HSBC & what has been the outcome?

I really am concerned and just need to know there is light at the end of the tunnell!!:eek:

Cheers.

I researched HSBC in the success thread on this site up to about page 98 I think. Of 115 cases only 4 state they went as far as court. I only found one of these 4 where HSBC had employed DG Solicitors but they made offer of claim in full & interest & costs so try not to worry too much. Hope that helps and good luck

monty-mole_2

We have 2 current accounts with First Direct and credit card account, which we plan to reclaim charges from.

My question is:

As these are three separate accounts, should they be dealt with individually? (E.g. separate individual claims/letters.) Or should/can we write one letter for all 3 accounts? Or one cover letter, with 3 attached claims/letters!

I wasn't sure what the best method for reclaiming charges would be. Especially, if we had to take court action and whether by sending three separate letters/claim, it would mean 3 individual court claims.

Any help/advice/guidance much appreciated.

kencokenco

Hi, can anyone tell me if the 14 days given on the second letter asking for charges back includes weekends. I am just in the process of writing my Letter Before Action because I have had a lot of messing about, with not finding my letters and faxes etc. The claim was originally sent and dated the 14th March, but halifax have today informed me they now how relevant letters and it was logged onto there system on the 27th March, So this according to them is when the claim originates from, Although it has from my dates taken them 13 days/ 14 tomorrow to find and log my letters onto the system. My Question is 1: Do you inlcude weekends
2: Do I now send the LBA giving 14 days to reply. And if they dont file a claim.
Any info would be greatfully received.

Twinkly

monty-mole wrote: »

We have 2 current accounts with First Direct and credit card account, which we plan to reclaim charges from.

My question is:

As these are three separate accounts, should they be dealt with individually? (E.g. separate individual claims/letters.) Or should/can we write one letter for all 3 accounts? Or one cover letter, with 3 attached claims/letters!

I wasn't sure what the best method for reclaiming charges would be. Especially, if we had to take court action and whether by sending three separate letters/claim, it would mean 3 individual court claims.

Any help/advice/guidance much appreciated.

You can write one letter with details of all three accounts for the stages before court but I am not sure about at court stage. I think it needs to be 3 seperate claims at that point but someone else may be able to advise you on that. Hopefully it wont get that far though. I've only seen 4 cases in 115 reported in the success thread (up to about page 98) where it has, the majority are settled in varying degrees and some have been settled by First Direct after just one letter.

Remember to send all letters recorded delivery (signed for). Good luck

Twinkly

kencokenco wrote: »

Hi, can anyone tell me if the 14 days given on the second letter asking for charges back includes weekends. I am just in the process of writing my Letter Before Action because I have had a lot of messing about, with not finding my letters and faxes etc. The claim was originally sent and dated the 14th March, but halifax have today informed me they now how relevant letters and it was logged onto there system on the 27th March, So this according to them is when the claim originates from, Although it has from my dates taken them 13 days/ 14 tomorrow to find and log my letters onto the system. My Question is 1: Do you inlcude weekends
2: Do I now send the LBA giving 14 days to reply. And if they dont file a claim.
Any info would be greatfully received.

Advice on this varies as to exactly when to time the days. Some say to take it from the date they have received the letter. However, when the bank deal with you it does not always take into account this courtesy and you may have received letters stating you have 7 days to reply dated 5 days previously so giving you only 2 days in reality. I know I have in the past.

On balance I personally would allow a couple of days after they say they received it , or in the case of recorded delivery after they are proved to have received it. I'd allow maybe 14-18 days in reality and take it from there. I wouldnt delay any longer though. I would include weekends simply to take into account possible postal delays and be fair. Any extra time you give is a courtesy and it is up to you how long.

Good luck

ROBBEDBLIND

Hi I am claiming bank charges back from Abbey I have recieved my list of charges from the last 6 years and am proceeding with the next step but do I claim from the same address from which I recieved the charges information, if anyone could help me out on this it would be appreciated.

hheadcase

I am not sure - someone else should be able to help hopefully.

geoff1057

ROBBEDBLIND wrote: »

Hi I am claiming bank charges back from Abbey I have recieved my list of charges from the last 6 years and am proceeding with the next step but do I claim from the same address from which I recieved the charges information, if anyone could help me out on this it would be appreciated.

Hi ,what you do now is send your next letter to the branch where you have your account, dont forget to send it recorded delivery, good luck Geoff

Jackswan_2

Twinkly wrote: »

Hmm. Very basically it looks as though the Allocation Questionnaire isnt regarded as neccessary and they are just advising you of this. Thats my interpretation, may not be right You can wait and see if anyone can be exact about it or ring the local court and explain and ask them for help. This is what I would do in the meantime. Hope that helps

Spoke to MCOL this morning asking why there was now no need to complete the AQ. District Judges are deciding that they are 'a waste of time', the Defendants don't turn up and they (Judges) are becoming cheesed off with
the Banks. Of course the DJ can still ask for an AQ to be completed when the
case is transferred to a CC nearer your home address.

Maybe this is all good news for us claimants.