Reclaim Unfair Bank Charges Discussion Area

shelley24

Kazza, you are entitled to claim interest, it will ask you on the MCOL website and you say yes to "i reserve the right to claim interest"

supersavershal

supersavershal wrote: »

Hi can anyone give me some advice, after going through all the stages of claiming my bank charges back from lloyds tsb i filed a claim with mcol.The 14 days are up today for them to file a defence.TSb havnt filed a defence and im not sure they have acknowledged the claim.What do I do next?

Can anyone help me with this?

shelley24

Check to see if they have acknowledged the claim using MCOL website. Think you've gotta give them 19 days to at least acknowledge it and then you can file for judgement.

Have a look at the MCOL Questions thread

moped_mark

Hi

I started the process and sent the letter informing LloydsTSB that I will claiming back my charges. I got a 'canned' reply and then sent them the 2nd letter, to which i got no reply. Unfortunately I wasn’t able to start court proceedings due to a lack of money. I am able to start this now, but should I contact the bank again or just start the court stuff??

fenderstratz

I sent the first letter to the bank of scotland and received a letter back after 12 days stating that they would "look into it". Should i proceed as planned and send the 2nd letter 14 days after the first one was sent?

MimiJane

fenderstratz wrote: »

I sent the first letter to the bank of scotland and received a letter back after 12 days stating that they would "look into it". Should i proceed as planned and send the 2nd letter 14 days after the first one was sent?

I would do, as the second letter states you "have not received a satisfactory response", which is correct. They've taken their time in sending their reply, but it's all just delay tactics, so I'd continue to follow procedures and send your second letter.

schoolrunmum

I asked First Direct for £860 in charges, without any fuss (they did'nt even charge me the £10 fee for statements) they have offered me £550..should I accept or push for full amount??? Thanks guys....

MimiJane

schoolrunmum wrote: »

I asked First Direct for £860 in charges, without any fuss (they did'nt even charge me the £10 fee for statements) they have offered me £550..should I accept or push for full amount??? Thanks guys....

It's totally up to you as to whether or not you accept this figure. Weigh everything up ... are you happy to accept this "smaller" amount now if you feel it will benefit your personal finances sooner rather than later, or can you afford to wait for a while to (most probably) get the full amount? It's really a personal decision and one which only you can answer, everyone's in a different position with regard to their finances.

sweepster

hi everyone,
At the moment i am currently doing a moneyclaim for abbey for charges of 4131. They have sent a letter stating they need a full list of the charges i am claiming for. My partner thinks i shouldnt send them the list back as they already have it although they are stating they havent, any advice please
thanks
sweepster

johnson2007

Can someone please answer me a question, if you are succesful in claiming back charges, do they put it straight in your account or do they send you a cheque? Thanks