Reclaim Unfair Bank Charges Discussion Area

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vulchem wrote: »

Hello,
I have followed the plan to the letter so far and till now have been fairly confident. However, my bank(Barclays) has now put in a defence and I am getting a bit concerned. At one point they offered me £1000, which I declined, I am claiming £1642, plus court costs of £120. On each occasion they have left it to the last minute to serve various papers, ie acknowledgment and defence. I suppose I would just like a little support as this money means a lot to me as I am a student. Anybody out there can help me?
Julie.

They will more than likely settle before the court date but if you do have to have a day in court it may go something like this:
Top thanks to OP showmethemoney! for her post.
http://forums.moneysavingexpert.com/showthread.html?t=393532

Good luck

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geordiecaz wrote: »

just had my letter off lloydtsb telling me no no no to the bank charges.
the letter was long winded and i didnt understand why they are refusing. they say the charges im claiming for are not 'default' charges as i havent broken my agreement.

im confused and no idea what to do now. i was claiming about 600 quid in overdraft charges

please help!!!!

:j

Sounds (without knowing the full details) like standard fob-off. They all seem to claim that the charges are fair and in accordance with T & C's and you havent broken the agreement. Carry on regardless and good luck

lochey

hi ihave a court judgement by default against northern rock.Now they have set a date to have it set aside.never paid me any money or made a offer want £3400 of them court date is 15 may any advice would be gratefully recieved lochey

LINDSEY321

Hiya, im currently in the court process with halifax and am due to set judgement by default tommorow at midnight. I have had an offer through for 770.00 when my amount is 1145.00 plus 120.00 court costs. Does anyone know what I should do. I am going to ring the bank asking for all tommorow but if they do offer me it should I still set the judgement as the money is not in my account yet.
Thanks in advance
Lindsey

Twinkly

LINDSEY321 wrote: »

Hiya, im currently in the court process with halifax and am due to set judgement by default tommorow at midnight. I have had an offer through for 770.00 when my amount is 1145.00 plus 120.00 court costs. Does anyone know what I should do. I am going to ring the bank asking for all tommorow but if they do offer me it should I still set the judgement as the money is not in my account yet.
Thanks in advance
Lindsey

I wouldnt accept it and would simply hit the default button at midnight tonight if they havent put in a defence by then. Dont settle for anything less than the full amount & costs now, you dont have to now its in the court process. You are also entitled to interest at this point. Good luck

Mandy1980_2

Hi

Have received Microfiche statements from Abbey but have had no details of charges for Unpaid cheques - surely they should include those? Can anyone help or has anyone had the same problem?

swazine

GOING TO COURT:

I having been going through the mcol motions with RBS since January. I have now received the following letter from the Central London County Court:


"It is ordered that........Upon reading the court file and the allocation questionnaires filed by the parties and on the court's own initiative it is ordered that the case is transferred to the xxxx court at the Royal Courts of Justice for the attention of His Honour Judge xxxx QC

Take notice that this order having been made without notice, any party affected by it has the right to apply within 7 days after service of the order to vary or set aside the order."

Should I be worried or is this just a natural step in the process?

geoff1057

ongoing saga of my daughters, ADDITIONS ACCOUNT which Barclays thought she should have, without telling her,and without telling her there was a charge for it. after numerous phone calls ,they told her that they would reimburse six months charges ,out of three years, charges were between £9 and £11 per month, then this morning she received a letter from Barclays , saying this.....................................Unfortunately,the bankcannot justify why you would be eligible for a full refund of fees. Whilst the bank do not doubt that the Additions feature may have been mis sold to you,thefact remainsthat youhave been in regular receipt of your quarterly statements which have clerly stated that your account was Additions,as wellas show each monthly fee for this account. You have had ample opportunity to raise this with the bank snce november 2003, but have failed to do so.By your own admission,you have failed to check your account statements,however it would be unrealistic to suggest an error would go unnoticed for over three years.As well as this our decision is supported by te fact that you have consistently used your overdraft limit a a reduced rate of intrest.As this constitutes the use of a primary feature of the Additions account the bank remains asured that the offer of a years charges is a completely fair and reasonable compromise to bring this matter to a mutually satisfactory conclusion,........................................................so from first offering nothing ,then six months ,now twelve months charges returned . this subject was only brought to our attention after watching whistleblower,and as far as using overdraft facility at special rate ,always had an overdraft ,no idea what rates are ,as probably thousands of other overdraft users..........so where do we go from here anyone any ideas???????? financial ombudsman maybe???????

sika

i have followed the guide lines up to and including the entering of a claim on line for a sum of £1500 and i have just been issued with defence papers from nat west, also include was a document requesting information and clarification on certain issues. Iam now starting to feel out of my depth and dont now if i should seek legal advice. I have not received a questionaire from the courts and dont know if that will happen? They have given me until the 1st may to reply. HELP PLEASE

chamb7914

Have just checked online and both Halifax and LLoydstsb credit cards have been updated on MCOL to say defended. Does this mean im off to court and more money or does this mean they are dragging this out as long as possible. Any advice would be good thanks

G

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