Reclaim Unfair Bank Charges Discussion Area

cyberman_3

Originally Posted by codydog78
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............

codydog78 wrote: »

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

codydog,
Are you saying that despite them telling you it would be on your account by close of business today ....... THEY DID NOT DO IT !!!!!!

Halifax is the bank that says WE GIVE GIVE YOU EXTRA

Phone them and ask them for EXTRA .... Extra interest to be paid because they fabricated a story

Twinkly

Originally Posted by bouncybeth
Hi i was wondering if someone could help.

I posted a letter requesting a full refund together with a breakdown of my charges to my bank on 30/04/07, and had recieved a reply on the 2/05/07 (wow how quick was that!!) stateing they were looking into it and that i would have a further reply within four weeks.
However i am due to have a futher £90 bank charges go out of my account this week after finding out that the balance that shows on your online banking statement is not a true statement of your account ( why they bother putting a statement thats available online then i have no idea) Anyway, how should i go about claiming these charges back, can i claim them ontop of my already submitted claim or should i wait and ask for it later once the claim has been compleated.
I have to say so far Halifax have been nothing but accomidating after i requested my statements from my bank i recieved them within 7 days, i then had to request them again as i thought i had been with the bank longer than the amount of years of statements they had sent me, again they sent me my statements within 7 days and did not charge me.
Therefore i am allowing them the four weeks that they have requested to deal with my claim, however i am a little worried that i may be being too nice.
I am reclaiming £2332 for the last 2 1/2 years ( most of that occured during my college years).

Any help would be appreciated

Beth x x

bouncybeth wrote: »

I am yet to have a reply to this question can anyone help?

Right now you can add on any recent charges in your next letter. You can send as many letters as you like and add on charges ad infinitum before you actually file at court. There is no limit really as to how many letters you can send on the subject and I suppose its a matter of who gets bored first with the endless correspondence and the mess extra charges create. It may be prudent to add a line to your next letter to the effect of " refund of £XXXX plus any pending charges to the account as yet not officially notified" to pre-empt any extra charges as you go along.

However once you get to the court stage you must be precise about what you are reclaiming and if it is going to be necessary to amend your claim officially at that point it may cost you another £35 to do so but it can be done. Cross that bridge when you come to it, I dont want to confuse you further at this point. Good luck

Edinburghlass_2

mrblue wrote: »

Hi there,

Hoping for some advice. Taking HSBC to court for £1200 and they defended last minute (surprise) and then I recieved a letter on the 13th April from the court stating that the claim was now transfering to my local court in Preston. But strangely its stated that "the filing of an allocation questionnaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise".

That was the last things I heard and that was over 3 weeks ago so I am taking it that I won't have to fill one out, but wondered if anyone was aware how much longer I should wait until I contact the court to see what is happening.

Also does anyone think that contacting the bank or solicitors (DG Solicitors) to see if they'll settle before court would be a good idea. They offered £850 ages ago but I am really gunning for the full £1200.

And whats this bundle that I have to put together? Will the lack of the allocation questionnaire mean I don't have to get the bundle to the court?

Any help as usual greatly appreciated.

Thanks

Phone your local court to see when you are likely to get a court date and have a read of this thread regarding dispensing of the AQ.

http://forums.moneysavingexpert.com/showthread.html?t=428733

cyberman_3

mrblue wrote: »

Hi there,

Hoping for some advice. Taking HSBC to court for £1200 and they defended last minute (surprise) and then I recieved a letter on the 13th April from the court stating that the claim was now transfering to my local court in Preston. But strangely its stated that "the filing of an allocation questionnaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise".

That was the last things I heard and that was over 3 weeks ago so I am taking it that I won't have to fill one out, but wondered if anyone was aware how much longer I should wait until I contact the court to see what is happening.

Also does anyone think that contacting the bank or solicitors (DG Solicitors) to see if they'll settle before court would be a good idea. They offered £850 ages ago but I am really gunning for the full £1200.

And whats this bundle that I have to put together? Will the lack of the allocation questionnaire mean I don't have to get the bundle to the court?

Any help as usual greatly appreciated.

Thanks

It's a big joke the way these banks conduct themselves. HSBC, this is the bank who advertise that are the local bank and understand your needs !!!
More a case of Trading Standards getting involved.

A bundle, it's solictor jargon for the complete info. If you have already received the charges info from the bank, then claimed the amount correctly you have done "your bundle"

It is so sad that banks and their solicitors feel the need to harrass people in this way well knowing that the majority of people do not understand what they are talking about.

BUT .... as the banks are currently backed into a corner, they will try to confuse you in whatever way. Just let the system work for you. A County Court judge is just flesh and blood like we are. He/She is very aware of the conduct of the banks ..... infact He/She is getting very disturbed at that way banks are abusing the County Court system right now.

As long as you can show these illegal charges YOU WILL WIN.

cyberman_3

sweetwilliam wrote: »

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.

sweetwilliam, that's OK. DO NOT BE SCARED. The banks are wrong as they are applying illegal charges. We know it, the courts know it, the government knows it and guess what ..... THE BANKS KNOW IT AS WELL

REMEMBER, YOU DO NOT ACCEPT ILLEGAL CHARGES

POST THREAD
http://forums.moneysavingexpert.com/showthread.html?t=422936&page=182
number 3636

bouncybeth_2

bouncybeth wrote: »

Right now you can add on any recent charges in your next letter. You can send as many letters as you like and add on charges ad infinitum before you actually file at court. There is no limit really as to how many letters you can send on the subject and I suppose its a matter of who gets bored first with the endless correspondence and the mess extra charges create. It may be prudent to add a line to your next letter to the effect of " refund of £XXXX plus any pending charges to the account as yet not officially notified" to pre-empt any extra charges as you go along.

However once you get to the court stage you must be precise about what you are reclaiming and if it is going to be necessary to amend your claim officially at that point it may cost you another £35 to do so but it can be done. Cross that bridge when you come to it, I dont want to confuse you further at this point. Good luck

Thanks for your help thats great!!!, do you think i should send them a pay within 14 days or go to court letter and include that, or just wait it out and see what they say, do you know if Halifax are more likely to say we are right to give you the charges or just pay up?

Twinkly

bouncybeth wrote: »

Thanks for your help thats great!!!, do you think i should send them a pay within 14 days or go to court letter and include that, or just wait it out and see what they say, do you know if Halifax are more likely to say we are right to give you the charges or just pay up?

I'd advise to time the sending of your next letter to suit you. As you are still getting charged I would try to time your letters to co-incide with charges being placed on your account to be as up to date as possible. If they arent due to do so until early next month then send your next letter now which will give them 14 days before court action. It may be worth giving a few extra days at that point to allow for next months charges, if there are any, and add those on in your court claim.

I havent done any personal research on Halifax but I should think they are as variable as any bank really with the end result being that they pay up eventually, as they all do. Bide your time and be patient, you will get the charges back in the end. Good luck

blondiebee_2

mrblue wrote: »

Hi there,

Hoping for some advice. Taking HSBC to court for £1200 and they defended last minute (surprise) and then I recieved a letter on the 13th April from the court stating that the claim was now transfering to my local court in Preston. But strangely its stated that "the filing of an allocation questionnaire be dispensed with in this case unless the District Judge at the court of transfer orders otherwise".

That was the last things I heard and that was over 3 weeks ago so I am taking it that I won't have to fill one out, but wondered if anyone was aware how much longer I should wait until I contact the court to see what is happening.

Also does anyone think that contacting the bank or solicitors (DG Solicitors) to see if they'll settle before court would be a good idea. They offered £850 ages ago but I am really gunning for the full £1200.

And whats this bundle that I have to put together? Will the lack of the allocation questionnaire mean I don't have to get the bundle to the court?

Any help as usual greatly appreciated.

Thanks

I don't know if it helps but I am taking HSBC to court for £3666. My case was transferred to Blackpool Court. I received my allocation questionnaire within 5 days of it being transferred. Yesterday, I got my court date of 17th August, which seems a lifetime away. I thought about ringing DG Solicitors, but I think I will wait for them. They wrote and asked me for full details and breakdown of all charges over 2 months ago and have not made me another offer. (I turned down £2400 in March!). So now we have a court date, I am expecting another offer.
Perhaps you should ring Preston Court and ask them about the questionnaire.
Blackpool have been very helpful.

Good Luck.

nwuser

I am claiming Bank charges from RBS (£2,100) - they entered a defence on the 27th day with MCOL. The same day their solicitors, Cobbetts, sent me a letter and a lot of legal jargon, requesting further information and clarification.

They say

'You are asked to provide a response to this request in accordance with CPR Part 18 by 17th May 2007' it goes on 'in the event that you do not provide an adquate response to this request by this date then the Defendanct can apply to the court for an order you to provide the information requested or an order striking out your claim.

They ask for the following information:

inrelation to each charge identify a the date when the charge was charged b the amount of the same and c the reason given for the charging of the same.

(I thought I had done this with my original letter)

There is also lots of other legal questions, which I do not understand ie

'specify the clause pursuant to which the charges where applied'

Is this all meant to confuse and put me off pursuing my claim - because at the moment it has?

I have not heard anything from the court system to say which county court will be dealing with my claim - does this usually take sometime - and should I reply to Cobbetts before I hear from the bank?

nikmondo

Hi Guys,

is it correct that you send the second letter (the one claiming for a refund on your charges) to your local branch as I am a bit puzzled!

Thanks in advance.

Nik