Reclaim Unfair Bank Charges Discussion Area

jo2975

jo2975 wrote: »

hi, i'm trying to claim back from Barclays but i am in a bit of a confused state this morning so any help please!! Case has been transferred to local court in Birmingham, i have had a 'General Form of Judgment Order' today stating that if by 4th June i have not served on the defendant further written particulars of the claim specifying the name, account number and sort code of the account referred to and a list of all the charges complained of showing date and amount of each charge and stated the reason for it the claim shall be struck out without further order. I assume i have to send copies of all correspondence, statments and my calculations taken from the calculater from this website but who do i send them to - there is the address of the court on the bottom of the letter so do i use that and send it all by registered post?? I'm begining to wish i had never started this process but i guess that is what the bank hope yu will think and just give up!!!

Could someone please help with my query from earlier. Thanks a lot, Jo

codydog78

jo2975 wrote: »

Could someone please help with my query from earlier. Thanks a lot, Jo

send it to the bank's soliciter and the court with the case reference number on the paper work

codydog78

codydog78 wrote: »

this isn't quite a success story yet!!

i have gone all the way to the 28 defence stage with moneyclaim online against the Halifax who stated they intented to defend against my claim....

however, (halfway through the 28 day defense period) i recieved a letter on 2nd of this month. it states that the halifax have decided it's not in their interest to continue to defend against my claim and will settle by paying me the full amount+interest+bank charges within the next 5 working days. this runs out tommorrow and i haven't recieved the money yet.

i have just phoned their customer relations manager to inform him i accept their settlement and will stop the claim as soon as i have access to the money. he promptly told me that the cashiers have "overlooked" my payment and he would email them immediately and tell them to pay me by close of business today.

so, fingers crossed i get my money today............

still not a success story as still haven't got the money.

sweetwilliam

techspec wrote: »

Its now 2 weeks since i won by default, and Lloyds TSB have not paid.

What now? Do i have to pay for balifs?

I paid for bailiffs. The warrant of execution was issued by the Court on the
21st April. I have heard nothing. When I 'phoned the Court to ask if the Warrant had been executed by the Bailiffs, they appeared not to have
the number of my claim. The Court said they had a backlog.I would appreciate advice from other people who have issued Warrants of Execution to be similry met with silence or success.

Wootang

I was really interested to read your post. I am on my third letter to First Direct, claiming about £4k plus interest. This is mainly made up of Excess O/D fees. They have sent me one letter saying that the don't agree the charges are unlawful, and refers me back to Part 2: Operating Your Account, Clause 6.9 blah, blah, blah.

I was wondering if this was your experience to, and how long the whole process took.

Many thanks

sweetwilliam

cyberman wrote: »

I find it amazing that whilst people are in the process of re-claiming charges,
the Banks are still busy busy applying more charges to overdrafts.
This is a blatant attempt of stupidity and shows the sheer contempt the
Banks show to their customers.

We all agree that the charges are wrong, the law says they are wrong.

If YOUR bank is still applying these charges after they are aware that
you are re-claiming then send them this letter .....

It has been noted that you are still applying eroneous charges to my account.
Please be advised that I do not accept such penalty charges which I believe
are not proportional to your costs.

If you believe they are proportional to your costs, please advise me in writing
giving me a full breakdown as to how you have arrived at these penalty charges

In the meantime, I do not accept such penalty charges particularly as in Common Law
they are unenforceable. I expect these charges to be refunded immediately

Please acknowledge this letter

Your faithfully

Brilliant Letter. Thank you very much for your help to us poor devils going
to court and being scared out of our wits by the charges getting higher and higher.

TheOne

Hi I sent a 'letter before action' (stating I would settle for a slightly lower amount) to LLoyds tsb, to their recovery centre, Andover. I haven't had a reply, now what? Do I go to MCOL? I can't really afford to do that until the end of the month. Does it matter if I leave if for a bit? Is there a time limit between actions?
Thanks.

Oh also. If it does get to the MCOL stage. Can I recalculate the charges/interest, because the amount of interest (at 8%) will of changed from the date of my original letter to today (or to when I commence MCOL). Also they have charged me some more, so I will be adding them on.

pinkmoneysaver

Looks like I am going to court with HSBC. I started the whole process almost three months ago (28 Feb) and have had no communication from HSBC at all. I have called numerous times and pushed and finally received an acknowledgement letter, but I had already claimed using MCOL. Now they have defended the whole amount stating that the charges are fair and my account is goverened by personal banking conditions and the contractually agreed prices have been agreed by me on opening the account. Has anyone else had this happen? I have been looking on the site for a while and not many seem to result in court. Today, I have called HSBC and said the same to them, saying that it seems to have severley fallen the cracks on their side and was anyone intending to call to settle. The poor girl on the end of the phone really did all she could and apparently she is going to get a memo off the coorect department tonight to see what is happening as she thinks that someone should have been in touch by now. I am happy to go to court, but HELP!

barsiem_2

cyberman wrote: »

Firstly ask the court why this has been postponed, also ask Cahoot.

Yes they are owned by the Spanish group "Santander" who of late have spending a lot of money advertising themselves on TV.
If you cannot find out from the court or Cahoot then go straight to the top
and ask the question to Santander
https://secure.santander.com/formularios/Corporativo/contacto_en.jsp

They will not want bad publicity especially after spending so much money wooing UK customers

Thanks Cyberman - I'll give the court a ring tomorrow and see if they know what is going on. Failing that I'll ring Abbey.

cb11_3

Having that's it's illegal for banks to close accounts, do they get nasty with customers? Has anyone had any experience with RBS?

Not only is my personal account with them (I calculate that I've had around £1800 of charges over last six years) but I also have a loan, a mortgage and my business accounts with them. RBS supply me with a relationship manager that manages both my personal and business accounts. Are they given instructions on how to deal with these claims? Should I move my business accounts before I claim? Am I right to worry?