Reclaim Unfair Bank Charges Discussion Area

abbey_lincon

I am in the same category. Will the bank cancell any previous arrangement. If you succed in obtaining a court order for the refunds of charges, will the bank take you to court and obtain a CCJ for the outstanding monies owed?Is it more like a catch 22 situation.
I have not seen a reply to the original enquire you have made relating to IVA.If there has been any,could soemone point me to it.

yorkiemike

I have been chasing Citi for 2 x £25 charges - the account was originally with The Associates which was taken over by Citi. Statutory interest charges would amount to £17.50.

Their first reply was their charge of £12 was reasonable - so I wrote back and pointed out that they charged £25 not £12 and that unless they refunded my money I would take them to court.

Thier second letter asked for me to provide statments that showed the charges - if I could provide this it would save a great deal of time as they would have to generate the statements - they had provided me with 6 years of statments following my DPA request.

Sent this and said if not heard by a date two weeks ahead I would commence court action. After two weeks in a weak moment I wrote to them again and said as this is such a small amount are you sure you want this to go to court and gave them another week.

Commenced court action last Tuesday and yesterday received a letter from their solicitors enclosing a cheque for £26 yesterday (presumably posted before the court papers had landed) saying that £12 was a reasonable charge and that they would defend any court action at their local court (Salford) as they had done nothing wrong. They also said that they had successfully defended over a dozen such claims.

I have written back to say that I look forward to meeting them at my local court (Bolton) as I had already started court proceedings (even if I had not done so on the basis of their letter I would have done so). I also pointed out that in the case of a company cases are heard at the claimants court not the defendants court. I also asked in view of the thousands of cases currently going through the courts how many cases they had been unsuccessful with compared to their 'over a dozen' successful ones.

It would have cost them £50 to settle on day one. If they settle now it will have cost them around £97.50. If it transfers to the local court there will be the transfer fee for that.

Don't they employ anyone who can do sums?

dips1105

Not sure whether I should be posting this here or in the Halifax thread.

I have successfully claimed back £3k in charges and on the 8th March returned the acceptance forms (there were 2 for 2 seperate acccounts). One for £1400 and other for £1600.

On one of the forms, it said it was paying it direct into an account so I wrote a covering letter stating that as far as I was aware it had been passed over to a debt collecting agency and I was told by them that this account was closed to Halifax. Therefore please send me the amount of £1400 by cheque and ended with I look forward to recieving both cheques.

At the end of last month I phoned up Customer Relations to see where my money was.

After a long phone call on my credit phone where the person couldn't figure out what had exactly happened, they offered me a ring back. I recieved no phone call so topped up my phone and called again at 4.45. Unfortunately for the operator I got the same girl.

They told me they were running days behind with ring backs, I asked to speak to her supervisor and was told she was on leave, I asked for the deputy who convientiently was unavailable.

It transpires that Halifax have posted both acceptance forms on the 'open' account and credited this account with £1600 the amount for the closed account. The £1400 was in limbo and she didn't know what was going on. But she gave me her supervisors name.

I wrote a 2 page letter that evening and faxed it to both customer relations and complainits and told them I wanted a response and/or cheques within 3 days or I will co

Alas no communication from Halifax. The end of last week I sent a letter to FOS.

Can anyone advise what else I can do to get my money?

Thanks

Penny187

shoe wrote: »

Hi Penny
i am dealing with Monument credit card and what a !!!! they are..ere goes
got my statements very quick posted a letter recorded del with a list of charges and the request for refund and kept a copy of the letter and the template used from martins web site at first i thought great had a response the same week they give me all the blah blah and offred me £250.00 i was asking for 750 . I then telephoned the num on the letter i spoke to a very rude lady who said well that was the most i would get as Monument always stick to thier guns basically..i informed her i was not happy with the amount and i would send a letter to confirm this she told me to go ahead.
sent the next letter of threaten to court...no response after the 14 days ...
so filed via MCOL it cost me £80.00 but i am now ready for them.
Monument filed a acknowledgment the same day it was issued ??so they now have until the 25th to file a defence so we shall see??They have made no further contact as yet or further offers and i dont think they will???
the amount i want will clear the remaining bal on the card but i would be happy with that ,1 less debt....i hope

Hi there. Thanks for your advice on Monument. I love the way in which Monument make no further contact with you but when you miss couple payments, they hunt you down, at home, work wherever you are. Let me know how you get on with them, but from what you are saying things look to be very much in your favour. Good Luck.

Sammy7_2

Can anyone help me with this question

We are trying to claim charges back from BOS Business Banking - but we have had a letter back to say that all the media coverage is aimed at bank accounts and credit card accounts and does not relate to business customers - does anyone know if this is correct.

Please help

Sorry missed this bit out - but they have offered 50% of the charges back as a goodwill gesture - but they seem to be sticking by what they have said

Doozer_2

Hi,

I have received my court date against natwest, it is the 18th May.

the paper work I received states that i need to put together all documents and send to the courts and other parties involved no later than 14 days before the hearing. A few areas i need clarifying include:

1. Does "all documents" mean anything i have sent to natwest from first letter to current day?

2. one of my letters, a key one in fact got saved over and i dont have a paper copy of it, can i present another letter with the basics of its content and include a disclaimer for the purposes of the court case?

3. Do i send a copy of the documents to Cobbetts or natwest?

4. how should i present the documents, is there a formal way?

sorry to be a pain, i just want to make sure it is all correct.

shoe_2

Penny187 wrote: »

Hi there. Thanks for your advice on Monument. I love the way in which Monument make no further contact with you but when you miss couple payments, they hunt you down, at home, work wherever you are. Let me know how you get on with them, but from what you are saying things look to be very much in your favour. Good Luck.

:rolleyes: We Shall see...i will keep you up to date and good luck with your claims.x;)

theozziend

Morning. Got home yesterday to find the paperwork from Northampton informing me of the transfer to my local court. Attached was the defence from Barclays. I do need a bit of help here. There are 11 points of defence, of which I believe most are standard - terms and conditions, etc. However, the first point is that the information provided was "summary in nature". I attached the interest calculation print out, in which I lumped together where I had got 3 referrals i.e. instead of claiming 3 x £20 (or £30) I put in £60 (or £90); however I do have a full schedule which shows the individual dates (all within days of each other) that the charges were incurred. In every case I lumped them together on the latest date. Would it be in order for me to email the schedule to their lawyer showing each and every individual charge, even where they are all on the same day? Or do I get a letter from them at some point requesting my back up information, and do I include it then. It was perhaps remiss of me not to have sent the breakdown.

Thanks in anticipation

lady_of_the_lamp

THanks for info Twinkly phoned natwest this morning expessed that felt they were harressing me infromed that was making formal cmplain in writting .Said that was up to me however still wanted a payment agreement on dormont account owing 710.00 in charges and are entitle to recall whats owing on out standing accounts.Loan joint account.Lots of pressure they increased my overdraft to 710.00 and made offer to pay 60.00 into account each month to reduce the charges they made.Couldnt think of another way will coninue with getting charges back .Feel ive let them win

Straders

Barclays:

Hi everyone, Asked for statements on March 5th using template from the site, have called on numerous occasions but fobbed off saying they've been sent. Called yesterday and someone actually told me they are waiting to be sent out. Apparently in the queue waiting to be released. Has anyone else experienced this with Barclays or any other Bank??

Regards

David