Reclaim Unfair Bank Charges Discussion Area

Twinkly

grb1975 wrote: »

hi all..

need some help. i made 3 claims against Natwest around 3-4 weeks ago. i have sent them all recorded delivery and also faxed copies over to them. i make a point of regular phone calls to them also.
I have just rang them this morning and the nice young lady advised me 2 of claims had been validated for the full amount - obviously less any interest. She could not tell me anything about the third claim.
My question is... If they have advised me that a claim is validated....

A. Is this the amount i will recieve?
B. How long should it take?
C. How reliable is a validation of claim?

if anyone can help it would be very much appreciated - natweststaffmember maybe??

thanks
grb1975

With regard to A & B I would ring the bank back and find out and get them to put that advice in writing. With regard to C I dont know sorry. Good luck getting your money soon though and read carefully any conditions of settlement before accepting

thailand06

Hi sent a letter last week to 3 banks requesting statements over the last 6 year.

How long on average do they take before they respond to your letter?

Also, since having these bank accounts i have married, so my name and address have changed but i have made a note of this in the letter i sent out, and have included my previous name and address...i hope this doesn't delay the process even more!!

Any feedback will be much appreciated...

Thor92

Hi i just received my late or missed payment copies from Birmingham Midshires, my mortgage, on looking at them i have seen a lot of £35,£40,£50 Capitalisation fees what are these for are they just what they have added on from my late fees?

manhater

Do i send my first letter to the halifax i opened my account with or do i send it to a head office somewhere else?

Also with this barrister guy taking the banks to court over these charges will this affect the outcome of excisting claims?

Welsh_Guy

bank: Abbey

amount reclaimed £1182.86

As has been said previously the Abbey will dig their heels in, and I have been given the ultimate runaround and eventually was passed on to Complaints at the Chairmans Office which is above the normal Complaints department.

The lady I spoke to there openly admitted that I had been misinformed by reading the notes regarding my phone calls to them. She then offered to look at my claim and today again refused to repay any of the Charges applied on my account.... I have now given the Abbey ample opportunity to negotiate, to which they have been extremely stubborn and have made a claim through moneyclaim on their website. I think it is best to go to the Court stage first and await the process where the Abbey are concerned, I spent up to two hours yesterday paying for the calls myself except for a quick return call when she offered to look at my complaint. I now await their response to see whether they will purse to a hearing..... Will let u know how I get on....

Twinkly

Thor92 wrote: »

Hi i just recived my late or missed payment copies from Birmingham Midshires, my mortgage, on looking at them i have seen a lot of £35,£40,£50 Capitalisation fees what are these for are they just what they have added on from my late fees?

A Capitalisation Fee is where they have added arrears to the mortgage term instead of you paying an arrangement to clear them seperately to the monthly mortgage payment. I suppose they could be challenged but they may be classed as service fees rather than penalties. If you havent asked for arrears to be 'Capitalised' on the mortgage then query what they are for.

harrylou_2

Help....

I started my claim on MCOL, after following all Martins advice.
I recieved by post a "notce of Issue" this stated dates of
sent to defendant on 23rd March
Deemed served on 28th March
defendent to reply 14 days, being 11th April
Bang on 11th April the defendent Acknowledged, giving them another 14 days.

So my Question is, Becuase it says on the issue of notice, that the defendant has UNTIL 11th April, is 14 days after that the 25th April (today), do i have to wait until midnight tonight to send judgement????

As yet i have recieved no responce.

My claim is against Natwest for £3500...

Thanks

Twinkly

manhater wrote: »

Do i send my first letter to the halifax i opened my account with or do i send it to a head office somewhere else?

Also with this barrister guy taking the banks to court over these charges will this affect the outcome of excisting claims?

You can send the first letter requesting all your details to your local branch. You can hand it in and get a receipt and then there is no doubt as to when they received the request and you can count your 40 days to receive them from that day.

As regards the Natwest case it isnt likely to cause any negative effect on simply reclaiming bank charges. This guy is reclaiming exemplary damages on top of his charges and this makes it a little more and different type of claim to what we are all doing here. They offered to settle his bank charges in full and it is the exemplary damages that are subject to further investigation at present.

Thor92

Twinkly wrote: »

A Capitalisation Fee is where they have added arrears to the mortgage term instead of you paying an arrangement to clear them seperately to the monthly mortgage payment. I suppose they could be challenged but they may be classed as service fees rather than penalties. If you havent asked for arrears to be 'Capitalised' on the mortgage then query what they are for.

Thanks Twinkly for clearing that up for me.

Thor92

mmcourt wrote: »

Hi Ya I too am claiming of the Ulster Bank. I sent the letter out on the 16 April and havent recieved any response or acknowledgement from them. They have 6 days left to reply or else it will go to court. They seem to not want to know!!!

Hi mmcourt, have you asked for your list of charges on the 16th April from the Ulster Bank or did you already have them? I now have my letter of complaint made out for the Information Commissioners Office about the Ulster Bank Ltd, I will post it on Monday 30th April.