Reclaim Unfair Bank Charges article discussion Part II

skintscouser

From personal experience and reading 100's of other cases on here (I have had numerous claims on the go) it appears that if the claim is relatively small - only a few hundred pounds for example, if you stick to our timetables and do everything right i.e. 1st letter give them 2 weeks, letter before action give them another 2 weeks, then file court claim, you will have a very good chance of getting 100%, plus statutory interest.

I know for a fact that MBNA and Natwest are paying out what they regard as small claims in full. Not right away mind, and not lying down. You'll have to push. But in my humble opinion if your claim is not life changing money then why not push all the way to get the lot back. I accept if your are broke and your claim is in the 1000's it's more scary and a bigger risk.

The wording you will see on your letter when they pay you out will be along the lines of... ''you have no case in our opinion, however, we enclose a cheque as we do not regard it as being financially viable to continue proceedings. Winner!

THE BANKS ARE PLAYING THEIR ACE CARD ALL THE TIME NOW. THEY ARE USING THE FEAR FACTOR. They've been overcharging many of us for far too long and are making it as hard as possible.

This post is written on the basis of personal experience and also with the desire to see as much justice as possible for me, for you, for all

northy

I am claiming for my daughter from Tesco Visa, she had late fee's of £10 which amounted to £120 from 2002 to 2003.
I put in a claim to Tesco and they have written back saying:

Having reveiwed your case the only late fees applied are for £12, which is in line with the OFT's findings, therefore no refunds will be forthcoming

not sure what to do as this late fee is under £12

Should I appeal and what should I say?
help!!!!!!!!!!!!!!!!
northy

saffy1ruby

hi, am completely hopeless with computers so please bear with me, need some advice re claim against lloydstsb claim originally for 5,600, was advised to split into two seperate claims to keep on small claims track, sent for statements in feb 2007, received and sent letters by mid march, no response,started claim 5th April,paid £240 court fees for both claims, deemed served 21st April, lloyds to respond by 8th may. No reply to 1st claim was given judgement by default, but acknowledged 2nd claim. Paid out end of may but didnt pay court fee, still havent! Defended 2nd claim even though both claims went through on same date etc. Still waiting for court date, handed in AQ and paid £100 now waiting to go before judge for directions and court date, have contacted SCM lots of times re: court fees for first claim, no help! What next? why is it taking so long when both claims filed together, and all this time they are still charging me each month, any advice?

menthol

crysta1010 wrote: »

phoned Alliance & Leicester and spoke to a lady in Liverpool. She asked if I could move money from elsewhere into my account to cover any bills that will go out shortly which I can't. She then said she would get one of the charges reinstated for me, which is better than nothing. I will be sending my 1st letter tomorrow requesting full charges back. Have taken your advice and cancelled some d/debits which i can pay weekly with a card for my water etc.

Husband will be on the sofa tonite me thinks, so u can guess what happened there!!!! (He's soooo supportive - NOT):mad: :mad: :mad: :mad:

Does anyone know if you can still pay for gas weekly using a card. You could a few years ago but can't find anything on their website.

Crystal...I too have been in the same situation....There are 2 things I can say to you....but I am a big talker...so I might say more than 2 words !! Firstly, you stick to getting your charges back...then your husband will be there with you..100%!!! Next...as for the gas bill....you phone them up and say that you are on benefits(even tho you might not be) and get them to either ...1) reinstate your card payments 2) get a meter card payment set up or...if you need... 3) get DHSS to intervene and help you out. By the way, if you call them, they might give you another card to pay with. As long as you keep in contact with ''them''...things will turn out ok!! Remember...there is always a silver lining behind every cloud!!!! At times like this it seems hard to believe....but it is true!! I have had MANY a black hour ...but I have pulled thro ...thanks to sites like this. GOOD LUCK!!!! :rotfl::rotfl: :rotfl: :rotfl: :rotfl: :rotfl::D

menthol

Crystal...I have to write again to you...you hang in there and keep in contact with us all......I can feel your pain....but honey I have been thro it all too...and can offer you 1st hand experience. I actually am a mother of 2 kids...separated and struggling on benefits !! I have juggled bills here and there....got food which is cheaper.....AND do without myself!!! It is difficult...esp when you feel alone....But things will ease off...only if you keep in contact with all here...and the companies you deal with. Hope I am being of help to you and not a pain in the !!!!!!!!

cyberman_3

crysta1010 wrote: »

Only been with this bank for the last few months after winning a payout from Natwest then changing banks.

Had no problem with them but just checked online and they took £150.00 from me yesterday in charges which means about 4 direct debits haven't been paid. There was £240.00 in on Sunday night and now only £90.00 which still leaves me with not enough to pay the direct debits with my debit card over the phone and there is a cheque due to go out any day which probably won't get paid either now. My husbands wages go in on Friday and by the looks of things won't be able to do any food shopping and with 2 teenage sons and a girl of 9 who never stops eating either it is going to be hell.

I have written the 1st letter requesting back payment of these charges whilst shedding a few tears and drinking a strong cup of sweet tea. (AND THATS WITHOUT TELLING MY HUSBAND YET WHO WILL GO MAD)

I really can't afford for this amount of money to be taken from my account within the space of a week. I haven't even been given any notification of these charges either, I thought there was enough money in the account to cover everything.

Is there anything I can do? PLEASE HELP

Hi crystal,

I have no intention of delving into your persanal affairs but why did A & L take £150 ? Could you explain what happened to create this charge please.

This will help us on this forum to understand and then, hopefully, give you sound advice as to what to do next.
We are all on your side but to help, we need a little bit more info.

It might well be a good idea to ask your husband to get involved on this forum and he will quickly see that your problem is the problem of many.

There are many experienced people here and "Edinburghlass" is one of them.
I feel certain that your husband, after reading the numerous posts, will see that you are not alone and will join in the fight against these banks.

Rest assured that as each day passes, one of these banks will be forced to explain the charges. When that happens, all hell will be let loose, not for us but the banks who gorge themselves on unlawful money

techspec

northy wrote: »

I am claiming for my daughter from Tesco Visa, she had late fee's of £10 which amounted to £120 from 2002 to 2003.
I put in a claim to Tesco and they have written back saying:

Having reveiwed your case the only late fees applied are for £12, which is in line with the OFT's findings, therefore no refunds will be forthcoming

not sure what to do as this late fee is under £12

Should I appeal and what should I say?
help!!!!!!!!!!!!!!!!
northy

I have the same problem with LX direct.

They only charged £10 a time, so i was unsure if to proceed.

But the law states they should be proportional to cost, and the OFT's decision is not binding, only a level at which they would get involved.

So i have proceeded, and suggest you do the same.

advent

Hi Bankbandit
Any sign of your money yet?
I know I started to get a bit edgy in the last week but Nationwide never bothered to defend although they said they would. Dont panic! They won't want to reveal their charging policy so I'm sure you'll get your dosh in time for your hols.:j

BANKBANDIT_2

advent wrote: »

Hi Bankbandit
Any sign of your money yet?
I know I started to get a bit edgy in the last week but Nationwide never bothered to defend although they said they would. Dont panic! They won't want to reveal their charging policy so I'm sure you'll get your dosh in time for your hols.:j

Hey Advent Thanks for that
No nothing yet keep checking my account and mcol still says acknowledged. :eek:
They have till this sun i am realy edgy keep thinking ive done something wrong or i will be the first to lose. but thanks for the support hope its over soon 26days till we go away so lets hope eh.:beer:
will keep you up to date with what happens

advent

You'll be fine and will have something to celebrate on holiday as well as something to celebrate with:D

My MCOL STILL says acknowledged!!!

on another note....have received statements from Capital One now (and they cashed my chq) Have sent first letter asking for refund. Its not much, £174 + interest coming out at just over £240 so we'll see what they have to say. That a/c was sold to debt collectors but it was repayed as the firm offered me a deal after a while and I payed 50% of the total owing in full and final settlement, so Cap One can't put it into the a/c as the a/c doesn't exist.