Reclaim Unfair Bank Charges article discussion Part II

barbara.mary.colgan.1

oh happy days. they say money dont make you happy but when you aint got any you can be very un happy.

mousemad

barbara.mary.colgan.1 wrote: »

anyone know how long scam takes to transfer funds over ?

What is scam, please?

lindilou39

mousemad wrote: »

What is scam, please?

scam = Sechiari clark and mitchell Lloyds solicitors

scam for short

Lin

lindilou39

Eattherich wrote: »

Can anyone advise got my statements from Barclays Data Protection and now going to send my second letter making my claim stating all the charges I wish to be refunded. On the template for the letter it says the bank name and address, is this still Barclays Data Protection address or is it the branch address?

Cheers if anyone can advise.

branch address

Lin

barbara.mary.colgan.1

see my thread on "report successes"
SOLICITORS have have sent me a letter offering full refund,£3220. I AM SO GRATEFUL FOR ALL THE HELP FROM OUR HERO:money: :money: :money: :money: :money: MARTIN.and others on the site. a big thanks. would never have been able to do this without you.:T :T :T dont know how long it will take for lloyds to transfer funds to my account after returning acceptance letter,?

midgemo44

Today I requested judgement at the court as the Bank Lloydstsb offered no defence to my claim for £3550. I requested they pay immediately. Can anyone please tell me what will happen next? Have I won my case and is there a specific time for them to pay me. Thankyou Marie

Nytram_2

midgemo44 wrote: »

Today I requested judgement at the court as the Bank Lloydstsb offered no defence to my claim for £3550. I requested they pay immediately. Can anyone please tell me what will happen next? Have I won my case and is there a specific time for them to pay me. Thankyou Marie

It all depends on what the Judge said, if He/She ruled in you favour then you bank will have to pay up, Your bank offerd no defence, witch means that they could not give a good enough reason for charging you all that money:beer:

Lottie's_Mum

lindilou39 wrote: »

if you issue a claim in court say on 6th july 2007 you can claim back as far as 6th july 2001...basically what solicitors say to clients is....if you have had alot of charges from july - sept...then get your claim in quick because the limitation act is closing in ...

Lin

What is the limitation act? Is the 6 year time limit being altered?

Lottie's_Mum

shaun_john00 wrote: »

I rang my court and they said they wont be sending a "Court Allocation Questionaire" to me as it is a Bank Charges Claim. Is this normal? Then I was told they were awaiting for the judges direction of order/order of direction( something like that.. cant remember the exact words).. help Martin..anyone?

Can anyone give me some advice please? I am taking my bank to court via MCOL. The bank's solicitors submitted their defence on the last day (which is par for their course, so it seems), but 3 days before that I received a letter from the bank making me an offer which I shall refuse (although I have not responded to it yet). Surprisingly it was NOT marked Without Prejudice either! In the defence I received from their solicitors it states their 'Defence' and 'Request for Further Information'.
Their defence states that my claim does not disclose reasonable grounds for bringing a claim against the Defendant to recover the bank charges referred to and that the Claim is not properly particularised, so the Defendant will apply to strike out the claim.
It goes on to say that in order for me to sustain a claim that the charges debited by the bank are in the nature of a penalty, I will need to prove the clause(s) pursuant to which the charges were applied; the charges were applied due to a breach of contract by the claimant; and for me to identify each case the particular breach of contract by reference to appropriate terms of the contract that the charge related to. As presently the claim does not plead these matters and therefore does not disclose reasonable grounds for bringing a claim that the charges referred to have been applied to an unenforceable penalty.
I have just received a letter from the court saying that the filing of an AQ be dispensed with in this case unless the District Judge at court orders otherwise.
I am unsure as to whether I ought to inform the solicitors I have received the offer letter from the bank (which I guess they know nothing about), or to send the solicitors my response to their Request for Further Information. Is there anything I should be sending the court?

Any help from anyone who has already been in this position would be greatly appreciated!!

Edinburghlass_2

You don't need to answer their defence that is up to the court to decide upon. If the Request for Further Information was separate from their defence then by all means send them your list of charges even if you have already done so and use the wording you'll find in this thread which asks how come the solicitor doesn't already have this information from their client...

http://forums.moneysavingexpert.com/showthread.html?t=391640&page=8

You'll get a letter from the court should they require further information or you will just get a date for your hearing.