Reclaim Unfair Bank Charges Discussion Area

flaggerr

Thanks Paw169, have put in three claims as have two accounts with Halifax and one visa with Halifax. sent letters recorded delivery to them and also sent seperate cheques for £10 for each one total cost £30,
Hopefully will come through soon as I sent them on the 19th March 2007
Have to wait and see

cruncher75

On a abbey statement can i claim for cleard transaction it dont say on the list of things which u can and can not claim for

Maggie_Holmes

Hi to anyone online.

Back in 2003 had about 4 credit cards on the go due to split from my ex-partner. While I was waiting for the CSA to get their act together, things got bad for a while and started to make late payments. Thought I had kept all the statements but, I had a clear out last year.Do I trust the Credit Card companies as to the charges I received or do I have to tell them what I have worked out?

Also, is it the same process to get copies of past credit card statements as it is for bank statements (really annoyed with myself for not keeping them now, as I normally do for years) I think all but one I have the account numbers, will the one I can't remember still supply me with past statements without an account number. I want to check all charges made to me.

steveF_3

I contacted barclays on the 5th of march to claim what they owed me i received a letter on the 4th april promising to repay my charges of £1400 hope this helps you.

Maggie_Holmes

Am I on the right thread for a reply, regarding claiming late payment charges back?

PAWI69

Maggie_Holmes wrote: »

Am I on the right thread for a reply, regarding claiming late payment charges back?

yes you are, sorry I cant help with the rest, someone will be along to answer you correctly. Good luck

liz_anne

I currently have 3 claims with MCOL all filed on 23/3/07 one with Nat West for my bank account (£576.09incl interest), then Nat West for credit card (£360.13incl interest) and finally MBNA for credit card (£55.38incl interest). The 2 with Nat West I have received acknowledgement of service advising they wish to defend, so am hoping they do not put in a defence (fingers crossed, eh!!). Finally MBNA have sent me a letter dated 30/3/07 stating how they clearly set out their charges in the agreement i signed and how they do not agree with OFT's interpretation of the law, etc, etc, etc, and how as a goodwill payment they are sending me £30 in the next 10 days on the basis that this is full and final settlement of the complaint. Now I know I am only claiming £55.38 including interest but then there is the additional £30 in court fees so I would like to continue with the claim, but do I need to advise them either in writing or by telephone that I do not accept or merely wait until the 14 days are up to claim by default because these dates seem to coincide with each other? Can someone give me some advice please?

Thanks Liz xx

Twinkly

Maggie_Holmes wrote: »

Hi to anyone online.

Back in 2003 had about 4 credit cards on the go due to split from my ex-partner. While I was waiting for the CSA to get their act together, things got bad for a while and started to make late payments. Thought I had kept all the statements but, I had a clear out last year.Do I trust the Credit Card companies as to the charges I received or do I have to tell them what I have worked out?

Also, is it the same process to get copies of past credit card statements as it is for bank statements (really annoyed with myself for not keeping them now, as I normally do for years) I think all but one I have the account numbers, will the one I can't remember still supply me with past statements without an account number. I want to check all charges made to me.

I wouldnt advise trusting the companies concerned. I asked Capital One for details and received a letter listing charges that was blatantly incomplete. I've now demanded the full list with evidence (statements at their cost if neccessary) and I am waiting for it. It is the same process to request your details as with the banks. You will need evidence of the charges made anyway if your case gets as far as court stage for your claim. Send the template letter requesting details under the DPA and enclosing the £10 payment. Capital One dont charge if that helps.

The one you dont have the account number for, write and give them your full name and addresses with postcode as well as any change of name or address for the life of the card and your date of birth. Date card acquired/closed would be helpful too. Good luck

Twinkly

liz_anne wrote: »

I currently have 3 claims with MCOL all filed on 23/3/07 one with Nat West for my bank account (£576.09incl interest), then Nat West for credit card (£360.13incl interest) and finally MBNA for credit card (£55.38incl interest). The 2 with Nat West I have received acknowledgement of service advising they wish to defend, so am hoping they do not put in a defence (fingers crossed, eh!!). Finally MBNA have sent me a letter dated 30/3/07 stating how they clearly set out their charges in the agreement i signed and how they do not agree with OFT's interpretation of the law, etc, etc, etc, and how as a goodwill payment they are sending me £30 in the next 10 days on the basis that this is full and final settlement of the complaint. Now I know I am only claiming £55.38 including interest but then there is the additional £30 in court fees so I would like to continue with the claim, but do I need to advise them either in writing or by telephone that I do not accept or merely wait until the 14 days are up to claim by default because these dates seem to coincide with each other? Can someone give me some advice please?

Thanks Liz xx

You are at court with MBNA so you are now entitled to claim interest. I would write, recorded delivery of course, and advise that you will accept the £30 as partial settlement without prejudice and that court claim is already in progress for the remainder. Just keeps everything nice and tidy and they cant say you settled in full

santana_2

hi not sure if i am in the right place
i bank with lloyds tsb and on 2/4/2007,got charged £ 60 for going over drawn £7.13.anyway I am on income support etc.full time carer to a disabled son,i know that banks are not allowed to take means tested benefits,when my is come in it would just go back to the bank and i would not get a penny of it,my questioon is are they allowed to do this.cause lloys said that they are not actually taking it out of my is,as the charges did not directly come out of my income support,i am very stressed,cause this would mean that i can not eat,take my son to his physio etc,is there anything i could do,and are is that true what the person from lloyds tsb said.