Making this whole thing a bit quicker

pyrotechnictigger

Is it possible to just go straight to MCOL without messing about with 1st and 2nd letters with either silence or "we are looking into it" from the other side?

hula-hoops

Not at all recommended. Throughout the whole process you have to appear reasonable and to have attempted to settle the matter with the bank before taking legal action.

If you went straight for MCOL without any letters to the bank, you will probably find that the bank will drag the case out by putting in a defence at the last minute, etc.

Also, you need to maintain a working relationship with the bank if you intend to keep your account with them after claiming. If you act unreasonably, don't be surprised if they also act unreasonably and remove your overdraft facility or ask you to take your business elsewhere.

doitmyself

Prob easiest of all to just phone your bank and tell them you've been charged xxxx.xx and you want (x% of) it back..

MimiJane

I would imagine you'd be greatly helping the bank in their defence against you by not following the recommended procedures and hence not being seen to be fair and reasonable in your dealings with them.

All the templates and information prior to court proceedings are here for a reason and nowhere have I seen anyone being recommended to go straight for court proceedings. The bank may well try to get your case struck out for not being "reasonable", even though we all know they'll make things as difficult as possible before paying out.:rolleyes:

I know where you're coming from ... it does all seem a waste of time and effort, but we have to play the game to get what we want and what we're entitled to.

AdamJay

I've recieved my bank statements, and calculated the amounts owed to me with interest etc.

Can I not just take this up with a small claims court now? I will only settle for the full amount, so why should I send letters asking for the money, only to be offered half.

Anyone see a problem with this, or any reason why it may not work?