Reclaim Unfair Bank Charges Discussion Area

Tony_Hendrix

Is there a template on this forum that shows exactly how to check that the charges i want to claim from my bank R.B.S. are correct.

Is it only referal charges i can claim?

jayanator

daisygrubb wrote: »

Hi,
I have just got a letter back from moneyclaim as the 14 days have passed for Natwest to respond,they sent me a letter yesterday saying that they will pay out £1200 instead of £1800,so I declined,The letter from moneyclaim states that the defendant (natwest) has until 15th May to file a defence,I called moneyclaim and they said that they WILL file a defence! What does this mean? Will I now lose? Should I have taken the offer? Will I have to pay court fees? Very worried?????
zoe xxx:huh:

Don't worry too much. This is just the bank playing for time and trying to make you nervous and put you off. They have never actually gone through to a court hearing when they have defended a case. Its purely a stance they take in the hope you will back out for fear of incurring costs. The bank have no defence and that is why they have never seen it through to court.

They will end up either settling it just before the deadline in full, or not defending at all and you will win by default.

Either way there are plenty of posts on these forums that can help you out and ease your mind a little.

Good Luck and don't be bullied by there scare mongering tactics.

jayanator

princesskez26 wrote: »

Hi again, i've filled in the template letter requesting my charges back. Do I have to send statements showing the charges with this or can the letter go alone. As I had searched mine online for the past 5 years with Lloyds TSB and I could only search 3 months at a time it will take me an age to print them all off

Kez

Hi,

I filled in the template letter, then filled in the charges into the calculator on the main website and then just copied and pasted that into my Word document and printed it off.

As long as you have copies of statements/charges, as proof should it come to court, you will be fine. Don't send them off with the letter. They probably won't even check the charges anyway and you will just get a standard denial of liability letter back anyway. Then send tghe 2nd letter telling them they have 7 days to respond or you will file a court claim and then take them to court if they fail to respond within that time.

Don't be forced into going by their timeframe and dont accept any excuses about them being very busy etc...They showed no compassion when people went overdrawn or bounced a cheque etc so show them none in return.

Any further advice, let me know.

Jay

aj1302

Hi

just managed to get £750 back from Lloyds. Still holding out for the rest some £1,100 as the owe me around £1,800. Still £750 better then nothing at the moment. Fingers cross the rest will follow soon - I'm going away so plan on using it to up grade my flight on the way home to Upper Class.

feedering

jayanator wrote: »

Hi,

I filled in the template letter, then filled in the charges into the calculator on the main website and then just copied and pasted that into my Word document and printed it off.

As long as you have copies of statements/charges, as proof should it come to court, you will be fine. Don't send them off with the letter. They probably won't even check the charges anyway and you will just get a standard denial of liability letter back anyway. Then send tghe 2nd letter telling them they have 7 days to respond or you will file a court claim and then take them to court if they fail to respond within that time.

Don't be forced into going by their timeframe and dont accept any excuses about them being very busy etc...They showed no compassion when people went overdrawn or bounced a cheque etc so show them none in return.

Any further advice, let me know.

Jay

They do check the charges. Also the second letter the LBA is 14 days not 7, CPR states that a month is a reasonable timeframe before starting court action to reclaim monies owed.

feedering

Tony_Hendrix wrote: »

Is there a template on this forum that shows exactly how to check that the charges i want to claim from my bank R.B.S. are correct.

Is it only referal charges i can claim?

have a look at this.
http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/57649-rbs-list-all-charges.html

Mandy1980_2

Hi

The 40 days are up for Barclaycard to send my statements and they have cashed my cheque. Is there a standard letter i can send to them?

Thanx in advance

feedering

Mandy1980 wrote: »

Hi

The 40 days are up for Barclaycard to send my statements and they have cashed my cheque. Is there a standard letter i can send to them?

Thanx in advance

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

jayanator

feedering wrote: »

They do check the charges. Also the second letter the LBA is 14 days not 7, CPR states that a month is a reasonable timeframe before starting court action to reclaim monies owed.

Well I meant 3rd letter...

and

I sincerely doubt they go through every claimants statements and check each individual charge relating to the account when they receive the first letter. They will just send out the standard "go away" response and only bother to check it once it becomes apparent that they may be going to court.

Unless they were willing to refund straightaway they would not waste the manpower or time checking all the charges for the thousands upon thousands that are claiming them back. They would much rather deny any wrong doing until such a point where they are forced to check them when they receive the forms from court, then they would check to make sure what you are claiming is in fact accurate.

ps. A less abrupt response would have been favourable than your previous response.

SueP_2

Can someone give me some advice/reassurance please?
1. I am reclaiming £1171 from HSBC and have got as far as receving Acknowledgement of Service from the court in which the bank (or their Solicitors) stage that they intend to defend all of the claim. Is this standard and are they really likely to defend in court?
2. When I originally requested 6 years charges from HSBC they sent the statements with a letter requesting that if I wished to query the charges I should send them a list stating what the charge was for as shown on my statements. My statements showed the charge as e.g. 'total charges to 15feb04' and not as excess overdraft fee so I sent them a list showing exactly as shown on the statement. I am now worried that this will not hold up in the court. I do have most of the letters the bank sent me which does state 'excess overdraft fee' but I have not offered these to the bank. Should I send them to the Solicitors or just leave it until I hear from them (if I hear from them)
3. The claim is for charges on a closed joint account with my husband who I am separated from. He is fully aware that I am doing this and is backing me but when I completed the court claim form it did not allow for a second claimant so it has all appeared in my name only. This is something else I am worried about if it goes to court.
I suppose I am just getting really nervous and worried that I have not done this correctly.
Please help.