Reclaim Unfair Bank Charges Discussion Area

HariboJunkie

A bit of background:

i'm claiming from LLoydsTSB current account and Clydesdale closed business account. Have sent them bothe the original letter asking for refund and received a standard reply from both. then sent second letter giving 14 days to reply. Haven't heard from clydesdale yet but this morning received a letter from lloyds refusing any refund. Interestingly they did not refer me to their terms and conditions as per previous letter but stated that I had been charged for a service they provide!!! They say that they are aware opf the recommendations from the OFT re Credit Cards but as I have not defaulted on my account they do not apply to me.

i do not want to pursue either of these claims in court because both amounts are over the £1500 threshold we have in Scotland and I would need to use a lawyer so I have contacted the financial ombudsman who are sending me out their claim forms. the question I have is, if the FO state that the bank must resolve this matter within 8 weeks from the complaint is that 8 weeks from the date I first complained to the banks? Also I have not calculated interest. Is it too late to do that now?

Thanks

Haribo

Twinkly

roysal wrote: »

Hi guys - sorry, have been going round in circles on this site. So much to take in. Can anyone direct me to the correct addresses for claiming back credit card charges - have already got the statements back after applying to edinburgh, now wanting to send letter 2 but where do I send it.
Also now sending pre-court letter to Nat West for current account bank charges. Where do I send this, as all my previous correspondence went to the local branch which I might add they haven't even had the courtesey to reply to me. Any help would be appreciated.

Credit cards and store cards thread here:
http://forums.moneysavingexpert.com/showthread.html?t=305961

Might help

LINDSEY321

esmerellda wrote: »

Type out what you put Lindsey. If it isnt right/enough you can amend and we can help you amend.

The bank would enter a defence saying lack of particulars/embarssed etc so you'd know if it was heading for a strike out.

Amendment is on form N244 and costs £35 non refundable.

Thanks for the help, please see below-
'I am claiming for all bank charges taken from me over the last 6 years, I have sent 2 letters requesting them back. 1 Letter on 2nd March for £1144.06 and 1 letter on 19th March for £1147.31 which includes added interest upto 16.03.07 but have not recieved any settlement yet. I am requesting £1147.31 in total. This is £891 in charges and £256.31 in interest upto 16.03.07.

The claimant claims interest under section 69 of the county courts act 1984 at the rate of 8% a year from 31.08.02 to 16.03.07 of £256.31 and also interest at the same rate up to the date of judgment or earlier payment at a daily rate of 0.016%.

thanks in advance for any advise you have.

Lindsey

louloujs

sopvik wrote: »

Bank: Barclays Bank
Amount of charges: £1495
Amount Paid: due to confidentiality i cannot disclose the exact amount but it is between £1945.24 and £1945.26! Full amount claimed incl interest and charges.
Got as far as a court date and the day before the papers had to be at the court they wrote with a settlement figure. Slightly wrong so asked then to revise it and they did.

Going after the charges they put on my acc since claim started now!

Careful with another claim on the same account - in your settlement letter they may have suggested your account will be closed if you dispute further charges...

billy7hano

Hello. I am in the process of reclaiming bank charges from Lloyds. I am a nearing the stage of taking legal action to recover £930. As the Scottish small claims courts only deals in claims up to £750 I would be grateful for any advice on this matter.
Thank you.

HariboJunkie

billy7hano wrote: »

Hello. I am in the process of reclaiming bank charges from Lloyds. I am a nearing the stage of taking legal action to recover £930. As the Scottish small claims courts only deals in claims up to £750 I would be grateful for any advice on this matter.
Thank you.

For claims between £750 and £1500 you need to use a Summary Cause. Info should be on the Scottish Courts Website of search this board for reclaiming in Scotland.

missc_3

not 100% sure but would give it a try - you can on credit card late payments so cant see why not

COPPERHEADJACK_2

speedtrip wrote: »

i have a poor recent credit history with lloyds and cap 1. I recently cleared Cap 1 at 50% but still am in negotiations with lloyds re o/d and credit cards.

so do i have the right to now approach cap 1 and ask for refund of charges given they discounted debt by 50% and would they find favour with court if it went that far.

re lloyds (a/c closed and defaulted), they have offered a discounted figure (80%) and i wonder how my approach re bank charges might affect their dealings with me.

i would add that these debts were/have now been outsourced to debt collectors (sold on) so i am not sure re their level of interest in how debt is collected.

im am concerned about courts stance if lloyds/cap 1 called my bluff, would they come down on lenders side given my credit history?

appreciate your views?

speedtrip

I am in the same boat as you only with a halifax credit card and barclaycard both with DCA they have still added on the charges I don't think just because you are having a hard time and the banks and credit cards help you run the debts up with charges that the court would rule against you. Go and claim everythink that you can from them and don't stop until you have got everything that you are owed.
it is about time the banks got taught a lesson with their charges.

halifax requested refund 30/03/07 ( no letter received as yet)
barclaycard requesting charges list 30/03/07 (they received letter 02/04)
halifax CC requesting charges list 30/03/07 (they received letter 02/04)
Natwest requesting charges list 30/03/07 (they received letter 02/04)

finn1983

Hello there people.
i was just wondering if anyone would be able to help me here... i'm looking for the address' that i should be posting the inital letter to the banks i'm with
The first being Nationwide
the second HSBC!
i thought i had the right address' but my sister is saying that it's another address i need for both of them
i had the head office address for one but she has told me something about the data protection part of the bank that i need and it's got me all confused!
if you can give any help it will be greatly appreciated !
thank you

Yargo1

Just write to your banks main address, ie if you live in bedford and that was where you opened account, write to them, once they start acknowledging letters then they will give you the new addresses to use