Reclaim Unfair Bank Charges article discussion Part II

Edinburghlass_2

sue-dai wrote: »

Do you know what happens if the account has been closed for four years, will they send a cheque then?

Provided the account is not in debt they will send you a cheque but as I was answering the question regarding a debt on an account I'll just take this opportunity to point out that they can and will open an debt account and put any reclaimed monies into it.

I'm not saying though that your closed account is in debt!

cyberman_3

My principal has always been to go straight to the top when you have a complaint. It does work and it gets the action I need.

In the case of the banks, all the Chairman would do is pass it downwards.
As many of you already know, when you ask the famous question "Please explain how you calculate your charges", it falls on deaf ears.

If you are unhappy how your bank is handling your account then phone up your branch manager and ask them how the charges are calculated. The answer will be I don't know but they will pass on your question to a specific dept in the bank.

In your area, you will will have an area manager who looks after a certain number of branches. Make an appointment with the area manager. If he or she declines, it is a note for your records that you have attempted to resolve the situation but the bank have declined this.

If you get an appointment, the purpose is to ask the area manager face to face how they calculate their charges.

Even if the area manager knows, there is no way he will tell you.

The final chapter of this is that you have done your best to try and establish how the charges are calculated but the bank refuses to tell you.

This can be used in any correspondence including going to court.

luckygirl_3

:rolleyes:

pindy wrote: »

:eek: All the other banks are paying out but not much from the A&L. getting worried now. waiting to hear back from the courts.:eek: can anyone help me here, that has taken on the A&L.

6th june 2007
Just heard today my case has been transfer to County Court, really really worried now, Still not showing a lot of successes from the Alliance & leicester.

8th june 2007
Have just got a letter, my claim has been transferred to County court.
As the value of claim is over £1500.00 will have to pay another £100.00
court fees.
Need to send in a list of the charges. Showing the date and amount of each charge and the rate of interest ( not sure how much interest i should put down) need to send within 14 day's.
So will keep you all updated.

14th June 2007
Just had a letter from the County Court have set a date for the 18th july, OMG.
Wish me Luck.

theozziend

:j
Got home last night. 5 letters from Barclays - 1 confirming the arrangement I made on Monday to clear my over-overdraft. 2 bouncing direct debits, 1 telling me how much they had charged to do so, and the last one I opened, by this time deeply depressed ...................... BLAH BLAH BLAH - HOWEVER, IT IS NOT IN THE BEST INTEREST OF BARCLAYS TO GO TO THE EXPENSE OF TRIAL, THEREFORE WE ARE MAKING A FULL AND FINAL SETTLEMENT ......
YESSSSSS! £4,582.83 INCLUDING INTEREST AND COURT FEES. :j :j

Keep at it folks - I was one of the constant worriers that it would be me - you know - the first to go the distance and be rejected. Many, many thanks to everyone on here. I wish I could buy you all a :beer: , but I would probably be overdrawn again.

P.S. My court date was to have been the 16th July, so timewise it seems to fit in with other experiences. Also, I am ringing them today to accept, but also ask for my charges from submitting my claim to now, which amount to a further £570. I had asked for these in my court bundle, but no mention in my letter yesterday. After all, they are equally unlawful, and it is my money! If not, then I will just start the process again for this amount.

Hubby next - he's about 4 weeks behind me.

Our hero!:money: :A

Twinkly

theozziend wrote: »

Also, I am ringing them today

Congrats on your refund

Just a small suggestion to get whatever is agreed over the phone in writing. Telephone calls are often denied as taking place, or at least some details of the conversation. Check in writing that you wont be signing away your right to reclaim in future

theozziend

Twinkly wrote: »

Congrats on your refund

Just a small suggestion to get whatever is agreed over the phone in writing. Telephone calls are often denied as taking place, or at least some details of the conversation. Check in writing that you wont be signing away your right to reclaim in future

Thanks Twinkly (yet again!) I am going to ring him now, and I will ensure that I back it up with written confirmation from myself, and request confirmation from him in writing both on when the money will go into my bank and the refund of the additional charges (if agreed), before I inform the Court that we will not be taking up their time. The letter from them says in full and final settlement of my claim (being the claim number quoted at the top of his letter). I can't see where it says "and any future claims". If they don't agree to refund the additions, starting the process again would get a different claim number through MCOL, wouldn't it? :money:

smily_leah

Please Can Anyone Help Me I Wrote To Hsbc Recieved A Letter Dated 13th June Saying They R Looking Into It. Do I Now Wait 8weeks Befor I Send The Next Letter.

lindsey_jane

Derekn wrote: »

Just recieved a letter from Bury County Court informing me that the District judge had ordered that ` The claim be struck out as disclosing no reasonable grounds for bringing the claim`.

Has this happened to anyone else and if so what did you do next?

I was not contacted by the court for any infomation nor was i informed of the date of the hearing.

Any advice would be most welcome

Hi
I got a similar letter from Bury court this week saying same thing I have also asked for advice from anyone on this site it says in my letter that i can send details of the claim to them including dates, amounts and interest so i might give this a try I have until 20th July to do this it is worth a try I am not going to give up that easily.

Kep me informed of what happens.

cyberman_3

theozziend wrote: »

:j
Got home last night. 5 letters from Barclays - 1 confirming the arrangement I made on Monday to clear my over-overdraft. 2 bouncing direct debits, 1 telling me how much they had charged to do so, and the last one I opened, by this time deeply depressed ...................... BLAH BLAH BLAH - HOWEVER, IT IS NOT OF BARCLAYS TO GO TO THE EXPENSE OF TRIAL, THEREFORE WE ARE MAKING A FULL AND FINAL SETTLEMENT ......
YESSSSSS! £4,582.83 INCLUDING INTEREST AND COURT FEES. :j :j

Keep at it folks - I was one of the constant worriers that it would be me - you know - the first to go the distance and be rejected. Many, many thanks to everyone on here. I wish I could buy you all a :beer: , but I would probably be overdrawn again.

P.S. My court date was to have been the 16th July, so timewise it seems to fit in with other experiences. Also, I am ringing them today to accept, but also ask for my charges from submitting my claim to now, which amount to a further £570. I had asked for these in my court bundle, but no mention in my letter yesterday. After all, they are equally unlawful, and it is my money! If not, then I will just start the process again for this amount.

Hubby next - he's about 4 weeks behind me.

Our hero!:money: :A

Well done theozziend,

If they feel that "IN THE BEST INTEREST OF BARCLAYS NOT TO GO TO TRIAL", they will refund you £4,582.83 then $570 is certainly not in their interests
so you'll get it back

I guess what happened in Hull has shaken their bones a bit

Twinkly

theozziend wrote: »

If they don't agree to refund the additions, starting the process again would get a different claim number through MCOL, wouldn't it? :money:

Yes it would

I hope you dont have to go through it all again though and they refund those odd charges. Good luck