Have the banks got 8 weeks to reply?!!!

mitch62

Hi, I Put A Claim In For Charges 15th March. Had A Reply Soon After Along With 96 Pages Of Statements. These Were Scrutinised For All Charges And The Figures Returned With 2nd Letter All In The First 10 Days. I Immediately Received A Letter Stateing That I Would Be Contacted Within 4 Weeks... Today, 4 Weeks Later, 24th April, I Am Now Expected To Wait Another 4 Weeks (23rd May) As They Are Still Investigating My Complaint. Is This Correct Or Are They Messing Me Around??? Should I Now Be Sending The 3rd Letting For Court Case??? Im Trying To Claim Back £1502.00 Plus £2.57 Interested Debited!!! What Are My Chances Lol

chris-thomas_2

mitch62 wrote: »

Hi, I Put A Claim In For Charges 15th March. Had A Reply Soon After Along With 96 Pages Of Statements. These Were Scrutinised For All Charges And The Figures Returned With 2nd Letter All In The First 10 Days. I Immediately Received A Letter Stateing That I Would Be Contacted Within 4 Weeks... Today, 4 Weeks Later, 24th April, I Am Now Expected To Wait Another 4 Weeks (23rd May) As They Are Still Investigating My Complaint. Is This Correct Or Are They Messing Me Around??? Should I Now Be Sending The 3rd Letting For Court Case??? Im Trying To Claim Back £1502.00 Plus £2.57 Interested Debited!!! What Are My Chances Lol

hi have you tried phoning them? i have phoned them evey couple of days for 2 weeks:D nagging is good!!! lol they sais to say i should heard my 1st may but i think i`ll give them a rinf friday just to make sure! i send my 1st letter 4th april had the 8 week letter back then i sent letter "not willing to wait 8 weeks giving 28 days from 1st letter before court" good luck

Bewitched2761

Mitch
You need to read the reclaiming bank charges help thread, you dont wait for the banks you work to your timescale. They have 14 days after a request for a refund of charges , then you send a letter before action giving them another 14 days, and if they dont respond after that, take them to court (MCOL)
The banks will make you wait as long as they can hoping youll get fd up and go away, Id say your chances are good, read the success stories lots of people have done it and succeeded!
good luck

mitch62

Bewitched2761 wrote: »

Mitch
You need to read the reclaiming bank charges help thread, you dont wait for the banks you work to your timescale. They have 14 days after a request for a refund of charges , then you send a letter before action giving them another 14 days, and if they dont respond after that, take them to court (MCOL)
The banks will make you wait as long as they can hoping youll get fd up and go away, Id say your chances are good, read the success stories lots of people have done it and succeeded!
good luck

thankyou,, just gooing to post off `threat to take to court``.. tracy

Hendrix_lennon

In the third template letter - the one threatning action - can the 'i have recived an unsatisfactory repsonse' part be included if you've recieved the letter saying they are investigating my complaint ?

Also - it mentions County Courts.
is this changed to District or Sheriff courts in Scotland ?

skitsue

I have jsut recieved the "we are looking at your complaint and will contact you in 4 weeks" letter from the Abbey. I work in the financial industry and know that the FSA does give these institutions 4 weeks to reply to a complaint, however my question is "is this a complaint"? Does any one have a well worded letter they can forward to me or the site that has been used to let the bank know this is not a complaint and 4 weeks is unacceptable. Even if they reply in 4 weeks they have another 4 after that to finalise their findings. I want to tell them this is not good enough but would appreciate some help with the letter. Thanks and cood luck all:j

Hendrix_lennon

Does Martin's third letter not cover that ?
That's kind of the same question i'd like answered.
I can understand them asking for time (although we've just given them 14 days) but another 8 weeks is ridiculous.

lee8040

I and a friend sent letters to halifax to reclaim charges back. We both used the template letter off this site which says you give them 14 days to reply. we both got a letter back saying they legally have 8 weeks to reply as they were looking into it but should reply in 4 weeks. Should i leave it 4 weeks to see what they do or go onto stage 2 with threatening court ?

jayneg_2

lee8040 wrote: »

I and a friend sent letters to halifax to reclaim charges back. We both used the template letter off this site which says you give them 14 days to reply. we both got a letter back saying they legally have 8 weeks to reply as they were looking into it but should reply in 4 weeks. Should i leave it 4 weeks to see what they do or go onto stage 2 with threatening court ?

They are just delaying tactics used by all the banks. Send 2nd template letter now and stick to deadlines as set out on this web site - not the banks! Believe me, if you go by the bank's deadlines you will wait until next year!!!

Hendrix_lennon

jayneg wrote: »

They are just delaying tactics used by all the banks. Send 2nd template letter now and stick to deadlines as set out on this web site - not the banks! Believe me, if you go by the bank's deadlines you will wait until next year!!!

The 2nd template letter is the one demanding your money back - without the threat of court action.
Do you mean the 3rd template letter ?