Reclaim Unfair Bank Charges Discussion Area

bubbles_darling

Hi everybody

Just like to saywot a brill website!!!!!!!!!!!!

Had my letter today from the court to say its all gone through only problem is
its saying Northampton court and i live in Essex. Will i have to go to court and if so can i change courts???????????

would appreciate sum help

BUBS

lizmcd49

What does F.O.S. stand for?

twinnymummy

bubbles_darling wrote: »

HI everybody
just like to say wot a brill website!!!!!!!!!!!!

Had my letter through this morning from the court saying its all gone through
but it states the court in Northampton and i live in Essex??? will i actually have to go to court if so can i change courts?

much appreciate
BUBS

if it gets as far as a court hearing date it will be transferred to your local court.

cloth_ears_2

lizmcd49 wrote: »

What does F.O.S. stand for?

Financial Ombudsman Service

johnandsaz

Hi all.
Just started the ball rolling to reclaim my bank charges! When checking the charges noticed a few charges at £5 do I include these in with the £30 ones or what?????????

pjn1978

pjn1978 wrote: »

My 40 day responce period is up today and I have not recieved my statements or list of charges.

I have two questions

1) is the 40 day period 40 straight days or 40 working days
2) Barclays sent me a letter saying they had recieved my letter and i would hear from them shortly (they even sent the cheque back)

TIA paul

Any Info? ...................

esmerellda

40 calendar days

you need to send the bank a seven day non compliance letter telling them you will complain to the ICO and may take them to court to force compliance with the DPA.

jrobinson4

initially wrote to the TSB on 29th January but to date have only received 3 years worth of statements (and that was only following repeated phone calls!!) Eventually the Assistant Branch Manager at our local branch said I should write to him with the details and he would ensure all charges were worked out and were refunded. That was on 12th March. I sent the letter below:

I am writing to request that you repay all the default charges that have been applied to the above accounts. I do not believe these charges reflect the true cost Lloyds TSB of going into unauthorised overdraft.

I have encountered some difficulty in obtaining copy Statements from yourselves, (originally requested on 29th January 2007 however to date only August 2001 – October 2001 and December 2001 - June 2003 from the Current Account have been received), but following my conversation with you today, I am happy to accept your reassurance that Lloyds TSB will work out the total amount of these charges, plus as I believe I have been unlawfully deprived of the money, with the statutory rate of interest at 8% from the date of the charge being applied, the amount the court will award.

I therefore ask that you repay me the full amount (relating to all 4 accounts – 1 x current account, 2 x personal loan accounts and 1 x visa account, all of which are still “open”) which has still to be ascertained however please be aware that the amount I have established from the Statements received to date is £1032.60. I have attached a full schedule of the charges and interest, for the Statements I have received to date, with this document.

I look forward to a full response to this letter within 14 days.


I have still heard nothing from the bank. Any other options open to me that you can think of?

debhemsley

the address you need id Customer Relations, Halifax plc, po box 548, leeds, ls1 1wu.

they will reply very quickly stating that they have 8 weeks to reply but they are wrong. 2 weeks after you have sent the first letter you can then send the second one which i will do next sat as they have just replied to me stating that they have 8 weeks to reply.

debbie

auntiedoe

I wrote to the Clydesdale Bank asking them for a copy of my charges for the last 6 years and they wrote to me within about 10 days to say that they had received my letter and were working on it. The 40 days is due to expire next week and as I had not heard anything further, I was about to call them up when I received a letter from the advising that due to so many people asking for the paperwork it was going to take them a bit longer than the 40 days but they would get it to me as soon as possible. What do I do? do I wait and see how long it will take them or call them up and ask how long they expect it to take. HELP!