Reclaim Unfair Bank Charges Discussion Area

k1mmie

Hi

Out of interest, how long did First Direct take to send out your statements to you. I am still waiting although their 40 days are not up yet, but would like to know what to expect.

When did they make you an offer?

I'm sure if you read through the boards, this is just procedure, these banks like to take it to the wire. Good luck.

Cookiecrumble wrote: »

Bank: First Direct
Amount claimed £1436 plus interest = £1587.56
Amount offered £1220 - holding out for full amount

I'm claiming for my son, I filed a claim with MCOL and he has just received a 'Notice of Transfer of Procceedings' FD waited until the 28th day to file their defence! So I guess we now we wait to hear from Bournemouth County Court with a date. Can someone who has gone this far with First Direct let us know what to expect next?
Do I need to do anything and should we expect to hear from FD's solicitors? Will they wait until the day before the court date before offering the total amount?

DC1975

Hi,
I started the process of trying to reclaim bank charges in January. In April I received 'Notice that a Defence Has Been Filed' letter from the court but I stupidly didn't send back the Allocation Questionnaire by the stated date (didn't have the spare £100 asked for with it!). Subsequently I've received a 'Standard order for stay...' letter saying my claim had been stayed until 04 May, and before 18 May one of various steps had to be taken. One of these steps is to file a completed allocation questionnaire by 18 May. Do I just fill out one of these forms, send off my £100, and then wait and see what happens? It seems the bank could still request an extension of the stay period even if I do this, and so things would drag on and on?

sarah21_2

i'm trying to claim my bank charges back from the yorkshire bank.they've told me i'm not in my right but i am.iv threatened to take them to court but they havn't responsed.what do i do now

gypsy57

Hi,

I have just taken first steps to reclaim back my bank charges after having spent a while looking through this site and eventually decided nothing ventured, nothing gained. I have written to my bank, Barclays, using template letter asking for them to provide me with details of charges over the past 6 years and am now waiting on their response. Although from posts on this site many, many people have had a postive outcome I did not know anyone personally who had been through the process and won until last night when the nephew of a close friend of mine told me he had received £2000 back from his bank only last week (claimed for £2500 but happy to accept the lesser figure) and the process only took about 8 weeks from start to finish without need to strat court proceedings. This was just the lift I needed as I was finding the thought of taking on my bank quite daunting, so this bit of good news really cheered me up.
Also, and I am sure that this site has already had the following bit of news posted somewhere, the HSBC is able to provide online access to at least the last 6 years of statements, unlike Barclays who will only let me view the last 3 months max. So if you have an HSBC account with online access this may save you a lot of time in getting together the information on your charges. Sorry if everyone already knows this but if not hope it helps someone.
I visit this site often and hope in due course to be able to post good news. In the meantime good luck everyone.

Maria

Hi

We have 4 natwest accounts between us (myself and my partner):

My account
His account
Joint account (in both names)
His business acount

Can My account (in my name only) be lumped together with our joint account which is in both our names and be dealt with as one claim?

I'm assuming that my partners accounts and my accounts have to be dealt with as two separate claims.

Can anyone help with this. :beer:

I have 14 days to go before filing a court claim. Dispite sending 2 letters to the Natwest bank I have heard nothing! :mad:

Thanks

Slayer98

Leaf wrote: »

I have to say that part of legal discourse is the validity and weight given by Courts pertaining to 'the wrongdoer's conduct has affected a large number of people and so caused a large number of claims to be made in respect of it'.

I think the number of posts on this site equate to a large number of people being affected.

I would like to know if others feel it might be worth a shot to rally on this one.
Cheers
Leaf

I never thought of this but the more i do the more valid an argument it seems

samh309

thnx cyberman
received letter from court yesterday with it in a little simpler english..... have got to find all the relevant proof of what i am saying (ie that the charges are unlawful etc), so quite a task ahead but am determined to see it through now...will keep you all posted x

samh309

thanks edinburghlass, I see you dedicate a lot of your time to helping everyone here, it is much appreciated. The link was helpful in regards to them asking to prove my charges (which, as everyone else has stated, I already had done, but will send again anyway) the thing that worries me is that they ask me to prove why it is unlawful (including the law that says it is), and why it is unfair. I am confused, do I need to find these law references, I am not even aware any such things exist, and am getting really worried now. I would really appreciate anyone's help or advice on this matter. Thanks x

lbgeorge22

I am at stage 4 with Barclays.
Today I recieved a letter from MCOL saying that barclays had acknowledged my claim.
On the forms it says the intended to defend this claim!
I am owed 3800 and after refusing an offer of 2200 I am starting to panic!
Can anyone advise me on what happens next?
They have until the 30th of may.
Can anyone help?

Thanks

LBG

cnoelj

lbgeorge22 wrote: »

I am at stage 4 with Barclays.
Today I recieved a letter from MCOL saying that barclays had acknowledged my claim.
On the forms it says the intended to defend this claim!
I am owed 3800 and after refusing an offer of 2200 I am starting to panic!
Can anyone advise me on what happens next?
They have until the 30th of may.
Can anyone help?

Thanks

LBG

The bank may or may not defend the claim by the 30th, although they have said that they will. If they dont you can get a judgement by default, which you can claim for on the MCOL site.

If they do lodge a defense, all it means is that you are playing a longer game, but the bank will pull out and pay up in the end as they do not want a precedent established in law, meaning that it will be a more straightforward procedure for others to claim.

If a defense is lodged, the case will be transfered - usually to the County Court in your locality. You will be sent an allocations questionnaire which is not as daunting as it sounds. Simple questions such as are you happy for the case to be heard at the allocated court, whether you are going to call any witnesses or experts to speak on your behalf. All quite straightforward. You would not need to send anything else at this time. When it gets close to a hearing they will ask for documents you are using in evidence. Just send them the list of charges the bank sent you, The calculations you have made on the charges and the interest using the calculator on the site, and copies of the correspondance with the bank


It may not get this far. It didn't with me, but you are never quite sure how the banks are going to play it. The same bank will use different strategies with different customers, presumably to cause confusion and worry. Rest assured they pay up in the end without going to court.

Keep the faith, dont be intimadated and dont settle for anything less than the figure you have in mind. You should get it all if you hold out for it.

Good luck