Reclaim Unfair Bank Charges Discussion Area

paul1e

Hi Again,
Just Filled Out The First Letter To The Above But Noticed That It Did Not Mention Late Payment Charges (claiming For A Credit Card By The Way) I Have Inserted The Phrase So That The Letter Reads ....default Charges For Direct Debits, Unauthorised Overdrafts, Late Payment Fees And Standing Orders........... Is This Ok As Don't Want To Invalidate The Form??????????????


ANYONE ELSE HAD ANY DEALING WITH TESCO CREDIT CARDS????????

bump bump!!

Maisy_Mouse_2

Hi, have just had an offer letter from Abbey for £220 but had asked for nearly £1000.
I am in Scotland, the max I can claim in the courts is £750, should I threaten court or ask for £750? Has anyone used the Scottish system and could help guide me through it a little?

Many thanks

Edinburghlass_2

Go for the letter before action and if it comes to going to court have a read of this website....

http://www.govanlc.com/jurisdiction.htm

NicolaT

Hello, I have never written on one of these before but I need some advice. I have been following the steps to reclaiming unfair bank charges for the amount of £1300. I have just received a letter back saying they wont pay beucase I knew about the charges beforehand. I am a bit scared now because I have to write to them regarding court action now and this terrifies me. I have read all the stories where people have won back their money but I want to make sure Im not getting in too deep- are there any horror stories?:eek:

ob1peers

Can anyone provide me with some guidance on what to do next? Here are the circumstances:

The bank concerned. HSBC.

19/12/06. Step 2. Sent letter to request statements.
13/01/07. Received statements.
16/01/07. Step 3. Sent letter to request refund of all charges including interest. £845.50 plus £154.59 interest = £1000.09.
29/01/07. Received letter to say they are looking into the complaint.
30/01/07. Step 4: Sent letter to threaten to take it to Court if no full response received within 7 days.
03/02/07. Received letter offering £698.00 without liability etc.

This amount (£698.00) does not add up. They have made a couple of mistakes calculating two refunds that they gave of £50 and £25 in 2005 but i had already taken this into account when compiling the figures.

I think these are my options:

1. Accept the £698.00.

2. Send another letter declining their offer with an offer of a compromise figure such as £845.50. (forget the interest).
Is another letter an option at this stage? or must i go straight to Step 5, Take to court!
If i was to send another letter, and they said 'see you in court' can i go backwards then and accept their offer of £698.00?
If i should send another letter, what should i write? (no handy templates available for this).

3. Start the claim with the Courts through Moneyclaim.

The thing is, £845.50 is quite a bit of money for my Sister (who i am doing this for) my own is still at step 3 but i dont want to send another letter threatening with court again if this means that i can not accept their previous offer.

And, i dont know what to write to make it a sound legal letter.

Any help would be greatfully appreciated.

Maisy_Mouse_2

Edinburghlass wrote:

Go for the letter before action and if it comes to going to court have a read of this website....

http://www.govanlc.com/jurisdiction.htm

Thanks Edinburghlass, but you'll never guess, whilst checking my statement just now a further £85 was added in January for exceeding my o/d limit by 1 day. I am so cross I can hardly write! I feel I cannot do anything but threaten them with the court. I am very nervous but now so mad with them I see no alternative.

Thanks for the web link too, very helpful indeed.

howier_3

Hi fellas im just calculating charges as i have all my statements etc but need the following advice.

Can i include/add the monthly interest charges the bank charged me for going overdrawn.


need help asap as im on a roll:rotfl:


howier:eek:


many thanks dudes:beer:

Rex_Mundi

howier wrote:

Can i include/add the monthly interest charges the bank charged me for going overdrawn.

No...............

shaunybhoy

Louling06 wrote:

I have recently taken over my fiance's paperwork and discovered that he has payed an enormous amount of 'late payment fees', 'admin fee's', etc some of these being nearly £60 each!
Is it possible for us to claim these charges back from them, as I am already in the process of claiming the bank charges back.

yea to right get the letter sent :-)

Ernest

ob1peers wrote:

Can anyone provide me with some guidance on what to do next? Here are the circumstances:

The bank concerned. HSBC.

19/12/06. Step 2. Sent letter to request statements.
13/01/07. Received statements.
16/01/07. Step 3. Sent letter to request refund of all charges including interest. £845.50 plus £154.59 interest = £1000.09.
29/01/07. Received letter to say they are looking into the complaint.
30/01/07. Step 4: Sent letter to threaten to take it to Court if no full response received within 7 days.
03/02/07. Received letter offering £698.00 without liability etc.

This amount (£698.00) does not add up. They have made a couple of mistakes calculating two refunds that they gave of £50 and £25 in 2005 but i had already taken this into account when compiling the figures.

I think these are my options:

1. Accept the £698.00.

2. Send another letter declining their offer with an offer of a compromise figure such as £845.50. (forget the interest).
Is another letter an option at this stage? or must i go straight to Step 5, Take to court!
If i was to send another letter, and they said 'see you in court' can i go backwards then and accept their offer of £698.00?
If i should send another letter, what should i write? (no handy templates available for this).

3. Start the claim with the Courts through Moneyclaim.

The thing is, £845.50 is quite a bit of money for my Sister (who i am doing this for) my own is still at step 3 but i dont want to send another letter threatening with court again if this means that i can not accept their previous offer.

And, i dont know what to write to make it a sound legal letter.

Any help would be greatfully appreciated.

I don't think that it can hurt to send another letter (counter offer) to see what they say, the only thing that you will lose is time. Is there a phone number that you can call?

My personal advise is that the difference between the offer and the full amount (inc interest) is almost £300 and this is more than the total claim for some people. You will almost certainly get it back, but you will need to take into account the time, effort and stress that this will cause.

I think I am one of the more confident claiments on this site, but I have still had my moments of doubt. I guess in the end, the final decision will be up to you're sister.

Don't forget that there is always a risk (no matter how small) of a loss when you go to court.

Good luck.

Steve