Reclaim Unfair Bank Charges Discussion Area

hipisnotmine71

thanks sweetwilliam

john71_2

i requested statements worked out how much so sent off recieved letter stating we got 8 weeks to make dicision just recieved letter 7half weeks saying they reject my complaint they are in there rites so what should i do ????
im fighting halifax

hipisnotmine71

hello again Iv'e done my letter to bank. would I post it normal post or just put in branch letter box tommorow, as we live in a small town?

thanks

emmajo_2

I have also received a letter from the Halifax this morning after waiting 7 and half weeks declining my claim, I rang them straight away to be told they would look into it again but it would take another 2 weeks, I told them I thought it was just another delaying tactic and I have now had to claim on line to the court. I am really nervous just in case they see this through all the way and I end up with nothing HELP!!!!!

samh309

please can someone help.
I have been really stupid. I started all this back in the beginning of Feb, being ignored up until the MCOL thing. Then, on the 14th day the bank (Natwest) said they were defending, so got another 14 dyas. Then I got a copy of their solicitor's defence (which was basically 'why is it unfair' and 'proove that you were charged these ammounts' etc etc. I then got a letter from MCOL telling me that it had been referred to the local county court and to reply to the court manager. I wasn't sure what I was to reply to, so checked this site, and the other's recommended, and presumed I had to send proof in bundles, quoting the laws, and including all statements and correspondance etc. It took me hours ansd hours to scan everything and copy them, one for the bank's solicitors, and one for the court. I was told an allocation questionnaire had been dispensed with, so was very confused, but struggled through and thought I had covered everything. I sent these bundles off by recorded delivery, on Tue but have just checked the letter I received from MCOL and it doesn't actually tell me to do anything, just that if I need to respond, that i should respond to the court manager. I have got confused and thought the part that said I only had until the 9th May to reply with the information requested was from the court, but it wasn't...it was from the bank's solicitor. Have i jeopodised my case now, by sending all thhat irrelevant information, I have a feeling I should have waited for the actual judge to get in touch, and am now worried that by sending all that information before being given a hearing date or instructions that it might be 'thrown out'. Any help or advice (but preferably reassurance) would be very much appreciated as I have been so patient, and up until now I have followed everything to the letter, and am very worried it has all been for nothing.
thanks for whoever takes the time to read all this, I know I have gone on. Sam x

SUFC

john71 wrote: »

i requested statements worked out how much so sent off recieved letter stating we got 8 weeks to make dicision just recieved letter 7half weeks saying they reject my complaint they are in there rites so what should i do ????
im fighting halifax

Hi, Just ignore their timescales & go with the ones it says on the templates, 14 days for 1st letter, 7 days threatening them with the court action. Hang on in there, you WILL win.Good luck, SUFC

SUFC

emmajo wrote: »

I have also received a letter from the Halifax this morning after waiting 7 and half weeks declining my claim, I rang them straight away to be told they would look into it again but it would take another 2 weeks, I told them I thought it was just another delaying tactic and I have now had to claim on line to the court. I am really nervous just in case they see this through all the way and I end up with nothing HELP!!!!!

Hi, hang on in there, you WILL win!!. Good luck, SUFC

maxwellhouse

Can anyone help me??
I had an Adams store card a number of years ago that was issued by CREATION FINANCIAL SERVICES. I know that Adams the childrenswear company has recently gone into liquidation. Has anyone had any dealings or success with Creation? And am I still able to claim fees from them if Adams has gone into liquidation?

metalmuttversion2

hipisnotmine71 wrote: »

hello again Iv'e done my letter to bank. would I post it normal post or just put in branch letter box tommorow, as we live in a small town?

thanks

Can i recommend that anything you are intending to mail to your bank be sent by recorded delivery? OK OK so it will cost a little bit more but at least you know it will get to where it is intended to!

Posting via normal route or sending in by hand and the item may disappear by mistake? take it from someone who has been down that route! all important mail i send goes either recorded or special delivery!

Twinkly

Quote:Originally Posted by sweetwilliam
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.

techspec wrote: »

How much are the balifs, and do we get it back.

Martins advice has been great so far, but it stops at the warrant stage, and leaves us without a clue.

Anyone know another site, which contains the extra help needed?

I'd suggest you get back on to the court to find out exactly what is going on in your particular case and get the information you need from the people who are actually dealing with it. No doubt there is a backlog to be dealt with.