Reclaim Unfair Bank Charges article discussion Part II

mousemad

Another quick question:
Do you go back 6 years from now (June 12 2007) or is it from the beginning of that financial Year?

jenny5969

Hi there I am in northern ireland and I just filled my claim out online but I had a problem with the banks address and had to make it to my local branch will this be ok???????

Alliance&Leicester £991.54
was offered £175 last week I declined......... they said they wont pay any more as this is the difference in their charges and the charges the OFT agreed on credit cards!! so
ITS off to Court we GO

ANY1 out there had any luck over here in NI wi the A&L??

lindilou39

mousemad wrote: »

Another quick question:
Do you go back 6 years from now (June 12 2007) or is it from the beginning of that financial Year?

6 yrs from todays date or whenever you intend claiming from.

snakeman_2

:beer: ready to send letter to halifax tomorrow informing of intention to go to court
anybody got any knowledge of what outcome may be

morphette

This is my first post so hopefully I have done it correctly as I am also useless with understanding the simplest computer instructions.

I need to ask help from someone please....I sent my letter to Lloyds TSB on 4th March and recieved a reply from them on the 27th March and amongst all the dribble there is one paragraph which confused me.."The office of fair trading has published new guidelines on credit card default charges. We're still talking it through with them, buit the important thins is that the guidelines are about 'default charges' that people pay when they break an agreement with us. This doesn't apply to your charges as these were for dealing with your request to go over your agreed overdraft limit. They are not default charges because you haven't broken your agreement. They are our prices for the service we provide in these situations."

At the very end of the letter they then ask that if I am not satisfied with their letter that I should contact the Financial Ombudsman Service.

I then resent them a letter on the 4th April saying that I was not happy with their response and would still like to reclaim my bank charges (total of 512 without interest or 595 with interest) - they have not replied.

I know I have left it far too late - mainly as I have been ill and not able to get online or sort anything out - But my question is do I contact FOS as they suggest or do I write to them again or worse still take them to court?

Any helpful ideas and suggestions much appreciated

Many thanks

mrsorganised

oldandskint wrote: »

HI GUYS

Just to let you all know am typing this with matches in eyes keeping them open have stayed up to request judgment by default as Barclays havent acknowledge any of my two claims.

Has anyone else had this happen?????

What happens from now on??? any help would be gratefully recieved!!!

Is it time for a :beer: or am I being to presumptious????

Have asked for payment by the 14/06/07 :j

Will keep you all posted on what happens but would be really really grateful for any advise in the meantime.

Best regards
Old and skints other half (he's snoring)

I am in the same boat. Been ringing the bank since last Thursday,actually spoke to someone on Friday 5pm at Customer Relations. (answering machine otherwise,they say they will get back to you in less than 48 hrs.....yeh). They actually said they were inundated with claims ahhh. Phoned again today could not get through, so I decided to jiggle the last number of the customer relations hoping it would put me through to another dept.,4561/0 hey presto, it really threw them! Any way told them if I did not get a response by tomorrow I would issue a warrent,as judement was obtained 21/5/07. Not sure how long you are supposed to wait though before doing this.If anyone out there knows I would appreciate the info.

mrsorganised

Have you an email address for Barclays Head Office? If so would you post it. Thanks

sophiecat_2

Hi, I entered judgement against Lloyds yesterday morning as they had aknowledged but didn`t defend. It came up as "requested". Today it reads "issued". Does this mean i can crack open the champers??? ,or is there still a chance thay may enter a last minute defence as i have read on previous posts. Just thought now it was "issued" i was safe, does anyone know? Thankyou x

Djay17

Could someone please help me, aggain lol

Today was the last day the bank (Lloydstsb) could put in a defence before i start the judgment process. this morning i got a letter from the bank saying that dont usual pay put but in the instance they will they offerd me only £750 but my actual claim is for £2300 they said this will be in my account within the next 10days. i know its progress to recieve that but it still seems unfair i said i to myself if they offered me £1500 i would accept it. what do i do now inregards to the HMCS to take them to court? do i send the bank a letter saying that its basically not enough. im a bit stuck with all the legal side of it now. HELP lol

ladyboss_2

No nasty repercussions yet!:mad:
Should not have said that last week.
Just received letter from the bank telling us they will close our account on 12th July!:eek:
Will be switching banks after 30 years with Llloyds!!