Reclaim Unfair Bank Charges article discussion Part II

Edinburghlass_2

sparky080703 wrote: »

Hi All,
Just a quickie, 14 days were up for Halifax yesterday after the threaten for court letter, i was just wondering if it is worth giving them a ring and start badgering them over the phone? Also if i have no joy i can't decide whether to to do MCOL or go through the Ombudsman, any advice will be gratefully received.

Thanks Sparky

http://forums.moneysavingexpert.com/showthread.html?t=456610&page=12

carcar_2

Halifax have til close of business today to defend my claim for reclaiming my bank charges via moneyclaim.gov.uk, do i ring the 01977 627422 number today and promt them to do something, or do i wait til tommorrow and then i have won ?

i dont wuite understand what i have to do if they dont respond, i just know i have to do something asap. to the second.

can someone advise me please ? :eek:

Edinburghlass_2

STEWART67 wrote: »

STARTED PROCESS IN FEBRUARY , STILL NOTHING AND INFACT HAD ABOUT £600 WORTH OF CHARGES THIS YEAR SINCE STARTING PROCESS , MY BANK RECOMMENDED I TAKE A LOAN OF THEM WHICH WOULD INCREASE MY MONTHLY OUTGOINGS TO PAY OF THEIR CREDIT CARD AND OVERDRAFT . CAN ANYONE GIVE ME ADVICE ?

If you have been dealing with your case since February you could be putting this through the Financial Ombudsman now. Please read the updates in Martin's article about using the FO.

Twinkly

menthol wrote: »

Hi Twinkly....sorry to sound so dim...but what is SAR??

SAR = Subject Access Request. Its the name given to the action of requesting your details under the Data Protection Act ie: 6 years bank details.

evoix

Susan_Rogers wrote: »

Was due to go to Court on 11th July but after I sent a letter to Bank's solicitors breaking down all the charges and showing how unfair they were have now been reimbursed with charges claimed and £50 court fee. Thanks to Martin for template letters and great advice.
:beer:

TSB have acjnowledge my claim, but I would be interetsed to know about the letter you sent to the solicitors. Did you just use the info available on this site for a comparision of why the charges are unfair? Any advice is greatly appreciated

Thanks

evoix

princesskez26 wrote: »

I'm posting this on behalf of my forum buddy

Bank: Lloyds TSB
Amount claimed: £2963 INC INTEREST AND COURT FEES
Amount received: £3094.50

I sent the original letter on 17/4/2007 asking for my bank charges to be repaid. I received the usual reply, that they are looking into our complaint. After 14 days I sent the 2nd letter, still no offer of payment, so filed MCOL on 6/5/2007, which was defended by Lloyds. I received a notice the defence was to be struck out by Boston County Court on 19/6/207they had until 3/7/2007 to object. I rang SCAM daily and was told on thursday that a settlement offer had been sent out to me offering the full amount which I have received this morning. :j :j :j

My TSB claim has been acknowledge. Can you please explain about the defence being struck out, what does this mean, and who is SCAM? Sorry if I sound a bit thick but I realy do need all the advice and help I can get. Obviously, TSB are the only bank who seem to be fighting back so I just need to be fully prepared for the journey. Many thanks. and well done on your success:T

STEWART67

Edinburghlass wrote: »

If you have been dealing with your case since February you could be putting this through the Financial Ombudsman now. Please read the updates in Martin's article about using the FO.

THANKS LASS , I WAS GIVEN INFORMATION BY LlLOYDS SAYING IF I WAS UNHAPPY I COULD CONTACT THE FO , BUT THEN IT SAYS IN THE LETTER " HOWEVER IF YOU BEAR WITH US THEN WE WILL MONITOR TO SEE IF AN AMICABLE SOLUTION CAN BE MET " BUT THEY DONT CONTACT ME ?

Edinburghlass_2

You either need to take the bank to court or pass the claim over to the FO as if you don't do either they will just leave your claim languishing in their inbox.

willow240

I have been struggle to get my money back from Lloyds TSB it as even gone as far as a court date which is the 26th July however yesterday morning i received a letter from the banks solicitors saying the will pay back the full amount including interest adn court fees, so anyone struggling out there keep going i know its scary

geebee2410

Hi

Just had my MCOL claim acknowledged and the bank have instructed a Manchester based solicitors firm (Cobbetts). The Acknowledgment indicates that they intend to defend all of my claim. I understand that they now have 28 days from the date of my claim service to file a defence (and may not bother defending at all). Should I be writing to the solicitors demanding any information that may help me prepare my claim in readiness for an anticipated court hearing....or should I just be patient and await developments?

:rolleyes: many thanks