Reclaim Unfair Bank Charges Discussion Area

elliott1982

rdavenport wrote: »

Thanks for replying, good to know someone is actually out there!

Just to confirm, I have sent the second letter saying I will take them to court if they don't pay, and it has been 14 days.

I am concerned about the legality of of stating 14 days. I telephoned HSBC today, and said that their 14 days were up and I would be proceeding to make a court claim, (hoping it would prompt them to offer me something). The answer I got was that they are still within their 8 week deadline set by the Financial [something] Scheme from the date of my first letter (22nd March). (Actually that is the letter asking for the money back, not the first letter in which I requested my statements). That means that it's only been 4 weeks since the "asking for my money" letter, so I'd have to wait a further 4 weeks from now.

In this situation, is it advisable to wait for their response (that they have to send within 8 weeks), then go to court if I have to, or just carry on regardless, and start the court claim now? I'm a bit reluctant to do it because the claim is going to cost £120, (Martin didn't mention that in the article! (...that I saw...)).

Any info from people ahead of me would be greatly appreciated.

Richard (claiming £1500 from HSBC).

hi richard,dnt listen to there bull crap!stick to your time scales!i thought id wait and see if they would contact me,but they never did!am now waitin to go to court,they hav till 5th of may to defend!good look!
p.s mine is for 4000!!

Jester

Has anyone had trouble getting statements from Smile (Co-op) ?

AlanD_3

maniac886 wrote: »

Nope it does not matter.

THANKS! Good to know.

SickOfBankCharges_2

Hi Everyone,

Hope you are all well.

I have posted a few items recently but am battling several financial institutions and like to do focus on one at a time as i am well, useless at this kind of thing!

I have just taken possesion of my Barclays bank current account statements,they were 2 weeks late.

My first question is cheeky and envolves past refunds , basically in the past i have, by kicking up such a stink, managed to get 2 or 3 charges refunded (on seperate occasions), now as i say it is cheeky, but i thinking about including these charges which were refunded on to my claim, it is not my concience stopping me but i fear i may be found out as it were.... so am really just after someones advice? perhaps someone out there has done simillar? !

My 2nd question is about interest, can it be added against current account claims? if so how can it be calulated?

My claim is for £370.00 (inc the charges i had refunded)

or £310.00 (if they are not included in my claim)

If anyone can help on either of these points i would most grateful.

Kind Regards,

SickOfBankCharges - & Debt

My sucesses so far:

Natwest Bank £1150.00
Capital 1 credit card £190.00

pursuing others and will report back with updates on Nationwide Building Society / Barclaycard / Barclays Bank

scrag_2

Hi there Elliot, just read youre concerns regarding the 8 week delay.
I got mine in the post this morning, from the Halifax and i'm claiming back roughly the same amount as youreself.
I am wandering if this is a delay tactic conspiracy, and really dont know wether to ride out the 8 week period, or send them another letter refering to court proceedings.
Any advice from out there would be greatly appreciated

many thanks,

scrag

shannor01

Hi still having problems with Nat West, send for my statement on the 14 March, received 18 months on the 4 April, from March 01 to Sept 02.
Have rung my branch twice since then, the last time on 11th April, said they would reorder my statments and to leave it a week. Well a week gone and still nothing my 40 days is up next monday. Can anyone suggest what I do next please.

Thanks Sheila

SickOfBankCharges_2

hi,
re delay post.

i find that sending a recorded delivery letter to another office of that company does the trick, one will put a rocket up the others !!!!.

same thing just happened to me, statements were over a week late so i wrote to a diff dept to where i sent my 1st letter, I copied in the office fair trading too, got the statements this morning!

OFT
FLEETBANK HOUSE
2-6 SALISBURY SQAURE
LONDON
EC4Y 8JX

shannor01

Hi thanks for that, do you know if there is a main office address for Nat West that is dealing with these statements, then I will send it there. The branch are not for giving me an address have asked twice.

thanks sheila

Len_Beach

Not sure what happened there. I think i edited my post instead of posting. Hey ho.

Don't shoot the messenger, we had to toe the line regardless of what we felt.

Any info' on my query guys

Question: If the pre-notified charges debit the account before the claim is settled, will the bank be liable to pay them if they are included in the claim?

Here's a quick one for you. A little birdie told me If you withdraw cash from an ATM and it doesn't dispense, Lloyds TSB will submit the usual claim form and investigate. However, any claim of £20 or less will simply be repaid at branch level as the cost and time involved in investigating is not worth the hassle.

Use this info' at your leisure.

SickOfBankCharges_2

hi there,

pls stop talking to these people by phone, it will get you nowhere.

you now need to re-send the original statement letter (with copy of cheque if you have it) to your bank again, with a letter of complaint too.

also copy in the Office Fair Trading
Fleetbank House
2-6 Salisbury Square
London
EC4Y 8JX

you may also want to copy in the financial ombudsman if you do not get a complete refund:

South Quay Plaza
183 Marsh Wall
London
E14 9SR

good luck - not that you need any luck !