Reclaim Unfair Bank Charges article discussion Part II

cat_matt

hi
ive just had an interestin conversation with the woolwich, initially i called them to inform them that with my statements that i received today (only took 5 days to get them) there were statements belong to two other people included in mine!!! anyways i asked them how long their turn around is for reclaiming and they said 20 working days which according to them is legally allowed by the fsa does anyone know if this is true or not?
thanks
cat

elliott1982

Just rang the courts to find out if i had a case date yet for my claim with HSBC.spoke to a very nice lady who said the solicitor working on the mercantile leeds district court papers is currently on papers dating the 22nd of may(my transfer is from the 24th may)so i should have mine done by this week or monday.
if so i will be going to court on the 28th of june!if he hasent got them dun by this time then i will go to court on the 18th of aug!hope this helps for any one waiting on a court date who has been transfered to mercantile leeds district

Simon7685

Hi All

Thanks to the person who replied to a question I posted a while ago above.

I posted this yesterday but sadly got no response or any feedback, so I am posting it again and hopefully get some thoughts and feedback this time.

Cheers
Simon

Hi everyone

I am battling Abbey for just over £2700 inc costs. They have defended. Northampton transfered the case to my local court 9 May dispensing with the AQ.

I have contacted the local court who have said the file has been passed to a district judge on 18 May and they will be in touch in due course.

In the meantime I am starting to put together my court bundle rather than waiting for the last minute as it were. A thought occured to me today of writing to the legal department of my bank asking them to provide a full breakdown of their costs to me for my court papers. Obviously they will ignore this request and not supply it but will it look more favourable towards me if the case arrives in court?

I was thinking of including in the request the fact that I am disputing the amount of the charge and not the point of them imposing it and if they were to provide the proof I would be prepared to pay the difference between what they charge and the true amount of their cost.

Does anybody think this is a good idea? Or am I making a mistake? Any thoughts would be appreciated.

Thanks everyone
Simon

Fluoroplastic

Hi all

Not sure if this is the most appropriate place to post this....but I thought it was a near success.

March 07 sent letter to HSBC requesting full payment for reclaimed charges, as per Martin's instructions. Received letter explaining looking into.

Sent another letter as no satisfactory responce from HSBC, warned of Court Action.

Heard nothing, implemented court action via Moneyclaim 9 May, Acknowledged by HSBC 11, deemed served 14 May

17 May received offer without prejudice for £1520 (original £1770 plus interest).

Signed, accepted sent off.

5 June, account credited with £1520. 20 mins later HSBC took the money back!

Went to branch who couldn't explain this. Customer Quality Service had credited, HSBC legal Dept had reversed. Legal Dept won't talk to my branch as now a legal matter.

Today HSBC have entered a defence to court. So I guess I'll have to see what happens next. Trying not to panic!

Has this happened to anyone else?

kelshadit

Fluoroplastic wrote: »

Hi all

Not sure if this is the most appropriate place to post this....but I thought it was a near success.

March 07 sent letter to HSBC requesting full payment for reclaimed charges, as per Martin's instructions. Received letter explaining looking into.

Sent another letter as no satisfactory responce from HSBC, warned of Court Action.

Heard nothing, implemented court action via Moneyclaim 9 May, Acknowledged by HSBC 11, deemed served 14 May

17 May received offer without prejudice for £1520 (original £1770 plus interest).

Signed, accepted sent off.

5 June, account credited with £1520. 20 mins later HSBC took the money back!

Went to branch who couldn't explain this. Customer Quality Service had credited, HSBC legal Dept had reversed. Legal Dept won't talk to my branch as now a legal matter.

Today HSBC have entered a defence to court. So I guess I'll have to see what happens next. Trying not to panic!

Has this happened to anyone else?

that wont go down to well in court have you got a print out of the refund then the refund being taken away ?
i woud certainly use that as evidence, poor you thats worse than having an offer of nothing,
also did you copy the acceptance slip?

Flyboy_3

Re: the above!

That's wild! Keep any statements you have that show the credit; get names of who offered you the settlement and the people you spoke to at the branch. The courts won't like this behaviour at all! Keep posting and let us know the outcome?

PS: we should all get t-shirts made up with 'Martin Lewis is my homeboy' written on 'em!!:j

kelshadit

Simon7685 wrote: »

Hi All

Thanks to the person who replied to a question I posted a while ago above.

I posted this yesterday but sadly got no response or any feedback, so I am posting it again and hopefully get some thoughts and feedback this time.

Cheers
Simon

Hi everyone

I am battling Abbey for just over £2700 inc costs. They have defended. Northampton transfered the case to my local court 9 May dispensing with the AQ.

I have contacted the local court who have said the file has been passed to a district judge on 18 May and they will be in touch in due course.

In the meantime I am starting to put together my court bundle rather than waiting for the last minute as it were. A thought occured to me today of writing to the legal department of my bank asking them to provide a full breakdown of their costs to me for my court papers. Obviously they will ignore this request and not supply it but will it look more favourable towards me if the case arrives in court?

I was thinking of including in the request the fact that I am disputing the amount of the charge and not the point of them imposing it and if they were to provide the proof I would be prepared to pay the difference between what they charge and the true amount of their cost.

Does anybody think this is a good idea? Or am I making a mistake? Any thoughts would be appreciated.

Thanks everyone
Simon

i personaly think you could do worse as at least it would show that you are willing to pay a cahrge prportinate to the cost involved which is the whole point of this wrangling,and any defence the court had of saying that you signed terms ect ect would be blown right up in the air as you would be taking that argument away from them, i mean what can they say to the judge if you say yeah fair enough i know i went over but i am willing to pay a charge as long as it's not extravigant, i would go for it also dont forget to mention about the hundreds of people who have got refunds for the same thing and why they keep defending and not showing up.
good luck to you and i hope you get what you want, and congrats for not being greedy

effthebanks

Hi well done for stuffing Shabby do you have the e mail address please as I would like to try that route also. Thanks

rodneypig wrote: »

Bank : Abbey
Amount Claimed : £2915.33 + Court Costs ( £220 ) = £3135.33
Amount Paid : £2664.15

Long Story! Started in Feb, requested statements, all arrived in three weeks in legable format! 1st letter sent, standard response received " we are sorry you feel the need to complain, we are looking into it ". Sent second letter, same response again "sorry".
Filed with MCOL, Abbey acknowledged and submitted the standard defence that everyone else has had. Claim was moved to my local court and Judge asked for an allocation questionaire. I completed this but at the same time telephoned to see if we could settle out of court. After hours wasted on hold, I found an email address on this fabulous site, sent off the email and received a response within 10 mins!!!!
My email had been forwarded to the legal team and would be dealt with shortly. In the meantime I received my court date - 3rd August 2007. Court bundle due by 8th June.
I received a phone call from the legal team with an offer of £1972.36 I said I wanted £3000 they said no!
They called back with £2444.15 ( where do they get these amounts from !!!) I said I would think about it, called back four days later as I didn't want to seem too keen and said ok - if you add the court fees. They said YES!!!!!:T
I have to admit I was a little frightened by recent news reports and was worried what would happen if I waited until August. At the same time I wanted as much off of them as possible!!!!!
I can't thank Martin enough - you truely are a superstar!:A
:beer: :beer: :beer: :beer: :beer:
Keep pushing everyone, you will succeed!
I'm going to pay off my Abbey credit card, cut up the card, pay off my overdraft and close the account - Thanks very much Abbey, I look forward to never dealing with you again:j

scottishbloke2004

HELP !!!!!

I am owed £8000.00 from the HBOS and they have rejected both my letters . My next port of call is Court , but I have been told that the max I can claim in Scotland is £750.00 . Does this mean that I ma going to have to make a claim against the HBOS on 11 ocassions ( £35.00 a Time ) ????

Does anyone know how the Scottish system works as the Small Claims site for Scotland does not really explain what to do if the £value exceeds £750.00

Thanks in advance for all your help .

Edinburghlass_2

Read the Reclaiming in Scotland thread here...

http://forums.moneysavingexpert.com/showthread.html?t=308885&page=17

and especially this thread regarding the Financial Ombudsman...

http://forums.moneysavingexpert.com/showthread.html?t=434244&page=3