Reclaim Unfair Bank Charges Discussion Area

Edinburghlass_2

swazine wrote:

Hello,

Sorry if this questions has already been answered elsewhere, but I was hoping someone might be able to help.

I took the RBS to the small claims court for £4409 (including the court fee of £120) on 17th January. They acknowledged the claim on 26th January and so now have a further 28 days to defend it. They have since sent me a letter (dated 2nd February) offering a settlement of £2599.

Since I have already taken them to the small claims court should I ignore this settlement offer or accept it, knowing that I will lose my £120 I paid to take them to court plus £1800 or so?

Any help would be hugely appreciated.
susie

Don't ignore it but do write back and say thanks, but no thanks! They may then up their offer.

Rex_Mundi

blondiebee wrote:

However, when I go on the money claim site and read how to work the interest out, its telling me to 0.00022 x charge, then x days accrued.

This works out different to what I have worked it out with Martins calculator, which do i do

Use the figures that Martins calculator gives you. This uses more decimal places to work out the interest, .00022 is slightly rounded up.

conniemander

Has anyone successfully had money from lloyds tsb. ive looked through the thread and cant see any yet. sent off my first letter to them last mon asking for statements but they sent me a letter back today saying they were sorry to hear my concerns and were looking into my complaint. have written a second letter to them today saying my original letter did not detail any concerns or complaints so could they please send me my documents or i would contact the information commisioner. they did reply quickly (9 days from letter posted) but i have a feeling they are trying to delay me in the hope ill !!!!!! off. if anyone else has claimed from lloyds recently id like to hear their tactics.

Rex_Mundi

Lots of people have won against Lloyds (this bank have not defended and won a single case in court).

Look through the Success sticky to see people reporting their victories over the banks. Lloyds are mentioned lots of times.

suehelle

I am trying to reclaim £1250 bank charges from Lloyds TSB, the first letter I sent I got the reply back saying 'they stand by their charges etc..'. I therefore wrote a second letter saying I wasn't happy with this and unless I received a response within 7 days I would take them to court. Yesterday (approx 2 weeks after last letter) I went on the 'Moneyclaim' Website and put in my claim. Today I have received a letter from Lloyds Tsb offering me a 'goodwill' refund of £750 which they will pay in to my account in the next few days - I'm not sure where to go from here. If I cancel the court claim I lose my £120 cost but if I carry on what do I do about the £70 the bank are about to pay into my account? Please can anyone advise? Thanks

johncolin78

Natwest Business Account £70

Watch this space for the rest.

johncolin78

Good eve,

Just issued proceedings to Natwest for 600 on current, no budge from them all the way through the process. Have just sent first letter for NW Credit Cards (£1000)

The question is, does anyone have exp dealing with Natwest Credit Cards? Are they quicker to settle or can I expect to repaet My current account model with them?

P.S. This is one of the most fun things I have ever done.

Rex_Mundi

suehelle wrote:

I am trying to reclaim £1250 bank charges from Lloyds TSB, the first letter I sent I got the reply back saying 'they stand by their charges etc..'. I therefore wrote a second letter saying I wasn't happy with this and unless I received a response within 7 days I would take them to court. Yesterday (approx 2 weeks after last letter) I went on the 'Moneyclaim' Website and put in my claim. Today I have received a letter from Lloyds Tsb offering me a 'goodwill' refund of £750 which they will pay in to my account in the next few days - I'm not sure where to go from here. If I cancel the court claim I lose my £120 cost but if I carry on what do I do about the £70 the bank are about to pay into my account? Please can anyone advise? Thanks

Write to the bank saying something like..................

I cannot accept your offer of £750 as full and final settlement of my claim. I will accept this as part payment and without prejudice, but will continue my claim for the balance. I have made a reasonable effort to settle this claim before issuing a court claim, but you ignored my efforts to settle this. I will now settle only for the full amount of charges+statutory interest+court fee.

Rex_Mundi

johncolin78 wrote:

The question is, does anyone have exp dealing with Natwest Credit Cards? Are they quicker to settle or can I expect to repaet My current account model with them?

It's the same process for bank accounts and credit cards (just the charges are different).

johnnyo07

I have also just started the claim process using template letter one and my bank said it was not possible to send a list of charges but they would be able to send me copy statements at a charge of £5.00 for the last 6 years. I contacted my bank about the letter i received and quoted the text off letter one. and within 15 mins they phoned me back and offered to send all the statements free of charge.Wich I received 3 days later. 17 days after they had received letter one.