Reclaim Unfair Bank Charges article discussion Part II

cyberman_3

sweetwilliam wrote: »

However they did not pay. A warrant was issued which should have been executed by the Bailiffs. The warrant was issued on the 20th April and still
.hasn't been executed by the Bailiff's. A letter to the Court at the beginning of May requesting to know if the warrant has been executed has been ignored. It was sent by recorded delivery.I read somewhere on this site that the Bank's bulk pay the bailiff's not to execute warrants.

Does anyone know of a discussion on this site that refers to bailiff's being paid off ????? That would be straight forward corruption in line with "Cash for Honours" I would like to think this is not true so has anyone else seen this ? There could only be one answer if it was true --- THE POLICE

Regarding your reminder to the court, why don't you phone them or better still drop by and ask them face to face

LozBingley

Hello All, thought I’d post my experiences on here

I actually had most of my statements for the past 4 years to hand (sad I know) so was able to send letters straight away to Barclays and Alliance & Leicester.

BARCLAYS
£1,405 Charged
£1,264 asked for

£760 1st offer I refused
£1,080 2nd offered I refused
with county court for £1,780 inc Interest + Costs

I also asked for my statements for prior years and found more charges I’d missed during the past 4 years

BARCLAYS (2)
£175 Charged
£150 asked for
got no reply
with county court for £244 inc Interest + Costs

ALLIANCE & LEICESTER
£672 Charged
£604 asked for
but got no reply
£150 offered after I took to court for £804 inc Interest + Costs
£250 2nd offer when they submitted a Defence
but I'm holding out now for the lot! Plus compensation for closing my account!

ABBEY have still not provided details of fees, 60 days after cashing my £10 cheque, but I believe they will be in the region of £1,500+ but I threatened them that I’d assume it was £5,000 if I had to take it to court. Awaiting further reply from the Head of Complaints!

INTELLIGENT FINANCE
WOW! No charge for providing my fee details on a single page A4, 10 out of 10 for presentation and speed. Seems a shame to ask for the charges back.
£494 Charged
£444 asked for
no offer yet


CREDIT CARDS! Now I’m in the swing of it I thought I’d go after the Credit Cards :rotfl:

IKEA Home Card
£145 Charged inc Interest
£100 asked for
No reply yet!
1 week before it goes to court for £200 inc Interest + Costs

CAPITAL ONE
Like I.F. they have not cashed my cheque and I was shocked to see the total charges, dating back to 2000 (hope they don’t notice that’s more than 6 years), were 4 times my estimate! They also provided evidence of manual intervention on my account as if to imply they will be defending or making an 'excess' offer (ie offer back original charge less £12)
£981 Charged
£736 asked for
£303 offered!
£1,484.52 @ Court! (£981 +£383.52 interest +£120 court fee) They really can't see a gift horse when it looks at them! LOL

MARBLES
£450 Charged
£368.69 asked for (ie 75% of £450 = £325 + interest @4½% = £43.69)
£370 offered & accepted
I'm actually still paying off this debt but HSBC converted it to a 0% loan (YES ZERO PERCENT as in INTEREST FREE!) at £14.57 a month till March 2013

BARCLAYCARD
Still awaiting statements / details from MARBLES & BARCLAYCARD but if they are as high as Capital One I could be looking at another £1,500 between them!

THANKS
Without the aid of this site I would never have dared to take on the banks. I knew I had paid a lot in charges but I didn’t believe it was as much as it was and until now I was always of the mind set that it was and unfortunate and accepted part of having debt while on a low income.

Good luck to everyone in the same boat out there and I will post my progress.


Thanks Martin :money:

ps For those of you not totting all that up it comes to charges of over £5,500 :eek:

19/5 - Oops posted on wrong board (never mind) Anyway, just got statements (and returned cheque) off Marbles Charges total £450 (I'd estimated £200+) and BarclayCard have just cashed my cheque so I should hear soon how much they owe me

23/5 - BarclayCard sent about a years worth of statements and said rest would follow once retrieved from their achieves (£380 and counting!). I already had 1½ years to hand! LOL

carrieok85

Simon7685 wrote: »

Hi My bank is Abbey, I am claiming £2704. I started my claim in March. First of all the bank acknowledged the claim to MCOL to get an extra 14 days instead of 14. Then last week I received a letter from Abbey A4 size. I thought great this must be an offer, at last some progress. I should have known better!!!! It was a copy from Abbey of their defence they had sent to the court. MCOL says defence lodged (13/04/07). I cant do anything else with the claim online and to date have not received anything from MCOL or any other court. How did it take for you to get allocated to Scarborough CC at this stage? What are you taking to the hearing?

I am quite worried now, especialy after the bank winning that case the other day!!!! I have been long term sick and in and out of hospital every few weeks for the last 20 months, I have lost my business through this as I cant work and life is a real struggle now. I exist on 34 tablets a day and can very rarely get out of the house (3rd floor flat)!!! I had to borrow the £120 to go through the court and now I am wondering if it going to work in my favour or not, I feel as though my run of bad luck isn't over yet!!

At least I try and keep smiling for my little girl and hope for once things may go differently than usual.

Look forward to hearing from you, sorry if I rambled on!!!!!:j

Hi again, sorry to here that you are unwell. It took about a couple of weeks before we received the letter saying it would be Scarborough (after we received the letter saying they were defending).

Yes we are in quite a bit of debt and was hoping this would pay the council tax. It always seems like we have the bad luck too :cool:.

I hope we don't have to go to court and that the bank settle before hand, it really is getting scary now and confusing. We haven't received a date yet though, still waiting in dread. Speak soon.

Carrie x

carrieok85

Simon7685 wrote: »

Help, Help, Help!!!!

I love this site and have tried to give and take advice where I can. Now I am just not sure what to do or where to go!!!

Today I received notification from Northampton that my claim was being transfered to the town where I live, Scarborough. However the next sentence in the letter has been crossed out, it read;
"and note that the allocation Questionaire should be returned to the Scarborough County Court."

I then have an order from Northampton CC which reads;

1. The filing of an allocation questionaire be dispensed with in this case unless the district judge at the court of transfer orders otherwise.

Note: Any party affected by this order may under rule 3.3(5) apply to have it set aside, varied or stayed. Such a party must apply under rule 23.3 within 14 days of service of this order.

Please note that an allocation fee may be payable in this instance. Please contact the court of transfer for further details.

Date order drawn:09 May 2007

What exactly does this mean and what do I do now????????? I supplied nothing to Northampton when I made the claim, (breakdown of charges etc), although the bank have sent in their defence.

I am really unsure what to do, somebody please help me.

Thanks
Simon

This is the same as me simon, apparently we just have to wait for a court date now.

Night_Owl_2

If anyone is sending in the balliffs Martin Lewis would like to record the event with a photographer according to the bottom of his original Bank Charges help thread.
Send him an E-mail to press@moneysavingexpert.com
That would be worth recording and watching! :rotfl:

Liani

Dammam wrote: »

Bank: Lloyds
Amount Reclaimed: £4980
Amount they paid: £4980
The story: Took a little persistance and patience, but finally managed to claw back all the money that left me on the brink of bankruptcy and losing my home after redundancy. Whilst life is still a bit of a struggle, I'm now debt free apart from the mortgage! Lots of great help from the consumer action group.

HI
Please help, I was on my 14th day today with money claim online only to find that Lloyds TSB have defended my claim, what should I do take the 750 they have put in my account and cancel claim or go all the way and go for the 2225? It says it will now go to small claims court - I am scared now
Thanks, lianne

deedeedee

It took quite a while for me to receive my bank statements and charges list from Abbey - I therefore impatiently sent off my letter for last years charges and then a seperate one for the 5 years previous.

however, my initial letters have not been responded to and for last years charges I am at the 'take to court' stage but the 5 years previous I am only at the 'threat of Court' stage

should I wait and start court proceedings altogether or do seperate ones? One is for £980 and the other for £1500.

Please advise I dont want to do one and not be able to claim back the other

thanks

Edinburghlass_2

Liani wrote: »

HI
Please help, I was on my 14th day today with money claim online only to find that Lloyds TSB have defended my claim, what should I do take the 750 they have put in my account and cancel claim or go all the way and go for the 2225? It says it will now go to small claims court - I am scared now
Thanks, lianne

Standard procedure from Lloyds, please read this thread for the wording of a letter to say you will take the £750 in part payment and will be continuing for the rest.

http://forums.moneysavingexpert.com/showthread.html?t=434975

Edinburghlass_2

deedeedee wrote: »

It took quite a while for me to receive my bank statements and charges list from Abbey - I therefore impatiently sent off my letter for last years charges and then a seperate one for the 5 years previous.

however, my initial letters have not been responded to and for last years charges I am at the 'take to court' stage but the 5 years previous I am only at the 'threat of Court' stage

should I wait and start court proceedings altogether or do seperate ones? One is for £980 and the other for £1500.

Please advise I dont want to do one and not be able to claim back the other

thanks

I would wait and do the two claims together as it will also save you money at the MCOL stage.

JIMBOB'S_MUM

Edinburghlass wrote: »

Give MCOL a ring in the morning regarding the 8% interest bit and fill in the long version of the POC and send to MCOL along with your list/spreadsheet of charges.

Thanks for the advice, another stupid question!? What should the daily rate be? thanks