Reclaim Unfair Bank Charges article discussion Part II

newbie_2

Hi all

I'm currently claiming back charges from Abbey, I've tottered up the claim amounts and sent them the letters. 4 weeks went by without contact and on the 5th I received a letter stating that they are still investigating and it take another x (sorry haven't got the letter in front of me) weeks.

Are they just stalling or do you think they are just swamped and I should be patient???

Cheers in advance
Ken

Edinburghlass_2

nonk wrote: »

this acc is now in the hands of debt managers ltd.
is there a way around this,i wondered if i gave the option of taking them to court for the full amount. or accepting the £1000 if they were willing to send the cheque to him and not paying it into the debt managers.
anyone else out there had any luck with this one.
many thanks to anyone who picks this up. a tired mum with a hard working getting there debtfree wannabee son. 1 year since he walked away from barclayland. and not a late or missed payment since

If there is a debt on the account then any monies reclaimed will be put towards that debt so if you carry on with court there may be some money left over but its very unlikely that they will pay it out by cheque in this case.

nickmack

newbie wrote: »

Are they just stalling or do you think they are just swamped and I should be patient???

Yes, Yes and No!

Edinburghlass_2

shaza100 wrote: »

i have written to barclays asking for over £2,000 in bank charges after 10 days have recieved letter saying they are looking into my claim and will contact me with a update on there progress within 8 weeks . do i have to wait or do i take it further now? any help would be greatly recieved
,

Carry on with your next letter/action according to Martin's step by step guide.

Edinburghlass_2

jayneg wrote: »

Can anyone help - getting a little confused now! My hearing - NatWest - 4 July. I know I have to send court bundle which is all correspondence between me and NatWest/Solicitors, bank charges and court docs but just reading a thread on CAG and they give example of court bundle index which includes loads of paperwork with cases details, FSA information etc. Does this all have to be included? Im concerned that if this does go to the hearing, the judge might ask me something to do with these cases and I wont know! What EXACTLY do you say to the judge on the day when he asks the question why do you consider these charges unfair/unlawful? Do I need to know the legal jargon to answer this question. Im concerned because I think after the Lloyds ruling the other day, more and more courts will take this right up to the hearing with a defence. Would really appreciate any help as have to have my court bundle in next week. Anyone out there at the same stage as me? JG

Jayne, I know you are worrying but you have a goodly amount of time before your court date so read up what you can and have the paperwork ready that you already have and write a list of what you might need according to the court bundle.

Read the Success Stories and the Natwest thread and see what stages other people are at and at what stage they got an offer from Natwest, oh and read Martin's post concerning his Blog about the Lloyds case.

newbie_2

nickmack wrote: »

Yes, Yes and No!

Blimey that was a quick response!!! Cheers nickmack

I'll get back on them! Don't suppose anyone has been in this situation before and has a letter template I could use??

Cheers

Twinkly

jayneg wrote: »

Can anyone help - getting a little confused now! My hearing - NatWest - 4 July. I know I have to send court bundle which is all correspondence between me and NatWest/Solicitors, bank charges and court docs but just reading a thread on CAG and they give example of court bundle index which includes loads of paperwork with cases details, FSA information etc. Does this all have to be included? Im concerned that if this does go to the hearing, the judge might ask me something to do with these cases and I wont know! What EXACTLY do you say to the judge on the day when he asks the question why do you consider these charges unfair/unlawful? Do I need to know the legal jargon to answer this question. Im concerned because I think after the Lloyds ruling the other day, more and more courts will take this right up to the hearing with a defence. Would really appreciate any help as have to have my court bundle in next week. Anyone out there at the same stage as me? JG

The CAG court bundle is very precise and covers all eventualities. If the banks turned up at court to defend the claims you would need a lot of ammunition to fight the bank effectively and the information you would need is included in the CAG bundle. It certainly wouldnt hurt to have it to hand to refer to if neccessary. The key is not to worry about what might or might not happen and to simply ensure you have everything you need just in case.

Try not to worry too much it isnt always so aggressive in court. You will probably be one of many cases heard that day and so the pressure isnt as great as you might think. This post shows what happened in court in a claim against Barclays and is very reassuring about the process.
Top thanks to OP showmethemoney! for her post.
http://forums.moneysavingexpert.com/showthread.html?t=393532

Also remember that the 4th July is a good while away yet. You may receive an offer of settlement well in advance of that date. Good luck

nicky1312

im a bit stuck with my partners charges we are claiming them from rbos the only thing is its a buisiness account and not sure what to do we have sent the second letter giving them 14 days or we will be filing for court do u just use court forms the way u do with a personal account cause i have all ready done my bank and i won all thanks to martin and his helpers..

oldandskint

morning all

have just filed my claim on mcol
was just wondering if would be a good idea to send
a covering letter to mcol with all my sceduals and all
coraspondance that i have sent to the bank,and the only one i have had back from them ,asking them to attach to my claim/particulars
would this save any time in the long run ?

regards DAVE (aka old and skint )

Edinburghlass_2

You can send them the long version of the POC, in the Reclaim Help Thread and a copy of your list of charges but don't send off any originals or your bank letters.