Reclaim Unfair Bank Charges article discussion Part II

chrissieo

chrissieo wrote: »

I have 2 questions that I hope that soemone can help with.

1. When I filed my MCOL I made a mistake and it was suspended. I spoke to their help line and they told me to create a new one, send them an email saying that MCOL*****1 replaces MCOL*****2 and they will refund the £80 for the first one. I had a reply saying that this would be submitted for refund but it was at the court managers discression, does anyone know what is the likelyhood of me getting my original £80 back and what is likely to be the time scale.
2. I submitted my 2nd MCOL on the 18th and it seems to of gone through allright. The situation is that my account with Cap1 has been with a collection agency for some time, they have deducted their first offer from this account, which is fine by me, but if my claim is met in full including interest and charges it will be in excess of the balance due, will they clear the balance and forward me a cheque for the rest, I have heard many stories of banks paying claims into closed accounts and people having trouble accessing their funds, has anyone been in a similar situation and what was the outcome.

Thanks

Chrissie

Just giving this a quick bump

Chrissie

Bella23_2

Hi

Was wondering if anyone can help...... I have sent letters off to MBNA, Barclaycard, GE Money & Barclays to ask for statements. MBNA sent me statements within 1 week, Barclaycard sent me statements up to 2003 and are sending the rest.
However, GE Money sent me a letter detailing my charges but no copy statements, it just sent me a letter with a few dates a description and the amount. Is this correct or should they of sent me copy statements? Also Barclays recieved their letter requesting copy statements (checked on Royal Mail as I sent all as recorded delivery) but I have heard nothing. No acknowledgement or anything. What should I do now??!!

evoix

:mad: I am in confussion, been following site for a while, wrote letter 5 and posted 20.05.07 (lloyds TSB), delayed a little cos of Berwick case, but recent successes have spurred me on again. I have just submitted my claim using mcol, pushed button then realised that account no is nowhere on the claim. I used Martins template letter 7 and changed it etc where indicated but now realise that the account number might have needed to be inserted in the text. Has anyone else submitted the court form with no account number? It would be a costly mistake if thrown out for such an error. Now I am worried

chrissieo

evoix wrote: »

Chis - just submitted my claim mcol, pushed button then realised that account nio is nowhere on the claim will this be a mistake? Now I am worried

I would ring the MCOL help lilne and get advise from them, you may not have to cancel in this instance.

My mistake was I accidently put Crap1 as the defendant and the claimant doohhhhhhhhhhhhhhhhhh:rotfl:

Chrissie

advent

BANKBANDIT wrote: »

Thats great, well done .I am at the acknowledment stage with nationwide they have till the 9th july to defend. im trying to put together my court bundle . How long from mcol did they pay up as im getting a bit nevy now.They realy have put us through it and cant wait to get our mony back. Thanks you have given me hope as it does go on a bit and you get a bit down .

Hi Bankbandit (I like the name):D
I claimed against Nationwide and they had until 15th June to put in a defence. I too had been gathering evidence in the event that they actually went all the way. I was claiming on a closed a/c I had with my ex husband and I was watching MCOL and my a/c every half hour. My ex phoned me 3 hours before deadline and said they had sent a cheque made payable to both of us. They paid the full amount including interest and court fees amounting to just over £3200. The letter said they expected us to manage our a/c according to the t&c's in future or if not that we may need to consider moving banks!
MCOL still only says "acknowleged" at present and I have no intention of calling off the dogs until the cheques are cleared.....Nationwide cheques in a Nationwide a/c still take 5 working days to clear!!!!

Hope this helps. Good luck with your claim. Nationwide were not at all understanding with us when we needed their help most either. It 's nice to get your own back though!!;) I'm sure they will pay you too so keep smiling!


PS
Anyone know if I can claim from old loan a/cs?

beachseabeach

Hi there, can anyone tell me is it possible to claim charges on an account that has recently been closed? (voluntarily, not a forced closure of the a/c by the bank)

advent

beachseabeach wrote: »

Hi there, can anyone tell me is it possible to claim charges on an account that has recently been closed? (voluntarily, not a forced closure of the a/c by the bank)

Yes you can. I did and won.(see post 1436 above) Just follow the same instructions from Martin.
Good luck

oldandskint

solarkatie wrote: »

Hi Oldand skint

They are suing my son for his debt that has mainly accrued because of unfair charges and services:mad: We made a complaint on his behalf and got this lovely letter from the complaints dept stating they were looking into our complaint and then 8 days later we received a summons:mad: .

Everything is slow from Barclays (of course to slow things down). This makes them think that we will get fed up or scared and go away. NOT US! Their manner is definitely "bedside" and absdolutely agreeing with us with upmost sympathy that we should possibly have a complaint from such a caring bank. They were such a caring bank that they sent a lovely friendly leaflet and letter on how to complain and told us that they would get back to us, however this may take some time! They then, almost immediately issued a summons. I cannot find any thread where this has taken place before so believe it may be a new way of them "testing the water". Watch out for the Pyranhas (the fish that bite) lol.
We started all this in February and it is now June! You do however, get a faster response if you eMail them. However the contents of the eMail will be of little use as they say they cannot respond by eMail and will follow up by snailmail for security reasons. (Gives them thinking time).
Because you then have a dated record of your complaint etc at least you do have proof that you have done it!
Since the summons was issued, we have sent a defence and our court bundle is almost ready. We have also complained to the FSA (before the summons was issued) and they advised us to give the bank a last chance by telephoning them. We did this and that is what gave them time to summons us before we summonsed them.:money:
Watch this space.
I would appreciate advice on how to go about this! Waht about a :beer:

HI katie
thanks for the info, i thought barclays couldn't sink any lower after what the did to me but i was wrong they are now just sewer rats, and that might be an insult to the rats, because rats a very clean animals ,thats more than what i can say about barclays ,and yes there is a thread on hear somewere where some one was counterclaimed i will endever to try and find it but if any body else comes up with somthing fine ,i am right behind you on this one all the way keep me informed, as i have just filed an harassment charge against barclays WATCH THIS SPACE , GOOD LUCK BABE OAS (DAVE )

Banbury-VS-Barclays

After following the guidelines laid down on this site, Plus making a few polite telephone calls to Barclays Customer Services, they have offered me £1200 as full and final settlement the day before I was about to register my claim with the courts for £1600 plus intrest. Bit of a dilema.. should I accept knowing that they owe me more or should I take them to court for the full amount ?
How much longer will it go on if I opt to continue my action ?

It is after all £1200 that I thought was gone forever.

Watt_Tyler

RBS have offerered to pay all of my initial claim minus the interest element. Has anyone been successful in claiming interest off RBS?