Reclaim Unfair Bank Charges Discussion Area

nickmack

newbie wrote:

I wrote off to Alliance and Leicester requesting a refund. I received their reply yesterday stating that their charges have been applied corectly in line with their terms and conditions etc... and that they will not repay the charges.

Follow the guide and send the next letter.

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1141050760,24632,

theozziend

Hi - I have received my statements from Barclays and am in the process of listing the charges and dates in order to place my claim. Initial trawling indicates I am looking at a sum in the region of £3,500.
I have had an offer of £1,000 in "full and final settlement". Can I accept this "on account" and "without prejudice" in writing and continue to claim the balance? If so, is there a template letter somewhere? It would certainly help to reduce my overdraft in the interim as I am still being hammered for charges - it's like painting the Forth Bridge!

nickmack

theozziend wrote:

I am looking at a sum in the region of £3,500.
I have had an offer of £1,000 in "full and final settlement". Can I accept this "on account" and "without prejudice" in writing and continue to claim the balance?

If they will only allow you to accept this as full and final settlement, you need to reject it and state you will only accept the full amount. You could remind them if you have to go as far as filing a court claim, you will be adding interest and court costs, so it's in their favour to settle now.

jellylegs2004

Hi, I have gone through the whole process and last week got a letter from a solicitor saying that although they did not accept the charges were unlawful they would pay the money in full and final settlement so I just had to sign the letter to accept and send it back. Which I did, thinking I'd won....
Then this week I got a letter from the court saying a defence had been filed and I have to fill out the questionnaire and take it with £100 to the local court.....
Has this happened to anyone else? Does anyone have any advise on what to do now?

pigsmightfly

Just about to start filling in the Moneyclaim form this morning - just a quick question.

I have had another 2 charges since my original letter to Capital One for my claim. Can I now add these on?

5cally

I have already asked this question a couple of weeks ago but nobody has taken it up so here goes again; if somebody who doesn't have a fixed address tries to claim charges, what happens? How do you keep up correspondence especially when you need to threaten the court action and have no local court because you are on the move?
I would be very grateful for any help on this one

nickmack

5cally wrote:

if somebody who doesn't have a fixed address tries to claim charges, what happens? How do you keep up correspondence especially when you need to threaten the court action and have no local court because you are on the move?

Where is the registered address for the account?

5cally

Thanks Nick Mack, that would be in Manchester I think. It's closed now but I know that's still ok to claim for.

damo6_2

AdamB wrote:

Just wondering, I got a reply from HSBC yesterday morning (bog standard "we are looking into your complaint blah blah blah). When I send off the LBA do I send it to my account holding branch again or do I send it off to the "service quality team" with the reference number they have given me?

i am claiming back from HSBC also and got the same letter as you.

reading post 3 in the thread here

http://forums.moneysavingexpert.com/showthread.html?t=304064

it either says you can send to the head office address below or your local branch

HSBC BANK PLC
8 CANADA SQUARE
LONDON
E14 5HQ

i'm just going to send mine to my local branch quoting the ref number they gave me as it will all be directed to the same place i would have thought


good luck

nickmack

5cally wrote:

Thanks Nick Mack, that would be in Manchester I think. It's closed now but I know that's still ok to claim for.

If this is still a valid address for the claimant, then use this. If they are not able to receive mail, it may be a little difficult to claim as letters need to be responded to. Particularly if it gets to the court stage where information must be sent on time.