Reclaim Unfair Bank Charges article discussion Part II

Lottie's_Mum

cyberman wrote: »

Hi Lottie's Mum,

A solicitor that does not know what his employer is doing has to be a real joke.
HEY ... the crazy solicitor says "Further Information" ?????? You be sure to let them know it is YOU who wants further information and a complete breakdown of how they calculate their charges. What planet are these SOLICITORS living on ????

Quote from their letter
"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"

What a lot of rubbish. THE QUESTION YOU ASK....
"PLEASE GIVE ME A COMPLETE BREAKDOWN OF YOUR CHARGES AND HOW YOU CALCULATE THEM"

You do not mention the Bank but rest assured, they are not going to be the first to "blow the whistle" on themselves or all the other banks.

SIMPLE, Let them know that you want a full breakdown and calculation of their charges. This is the question you will ask the Court

I have just read the reply from Edinburghlass above. Suggest you also follow that link

THE BANK IS NATWEST AND THE SOLICITORS ARE COBBETTS.

solarkatie

LISA68 wrote: »

Contacted Citi cards for statements on 11th April enclosed £10 cheque, cheque cashed and no response i keep phoning they state have received my letter for statements but unfortunately a large backlog in statements requests and will post as soon as possible - i think its a joke considering they have cashed my cheque quick enough.

Any advise how to go on now as i did have lots of charges £50 a month each time was added and my limit of £250 went to over a £1,000 but i only have a few statements

Thanks

Hi we had the same format from Citi (worst Credit Card Company). Did you send the Standard Letter as advised on this site? This gives them 40 days to respond and I would advise you as would the experts on this site, that you "call the shots" i.e. the banks must keep to the timescale as written in their code of practice. The next step is send the 2nd tamplate and keep to the format as advocated on this site. We sent the 2nd template and have just reported Citi cards to the FOS. By the way, we finally received the statements and will shortly be claiming a tidy sum back. Just keep on writing because if they fail to reply, this will go against them in your claim.
Just as a footnote, we are also awaiting a court date from Barclays as they summoned us. The wheels of banking grind very slowly unless they are robbing your account of what little money you don't have. We have sent, in total, around 15 letters, numerous phone calls and emails to Barclays. So, take heart! Good luck:p :money:

karis2000

Hi, can anyone help?

I have two cases ongoing. One for TSB - they have put in a defence and i'm waiting for a reply from court, and two- nationwide. They have acknowledged, and are due to put in defence in 7 days.

My question is, how much longer do you suppose I have to wait before I receive some kind of offer from any of them? So far none of them will negotiate whatsoever.

Tweeny

Can anyone advise me? I've been notified today that the Woolwich will be defending my claim for £380! My problem is that I live overseas (but am a UK Resident). Do I have to appear at the hearing, if it progresses to that, or can it go ahead in my absence? Any advise would be great.

cyberman_3

Lottie's_Mum wrote: »

THE BANK IS NATWEST AND THE SOLICITORS ARE COBBETTS.

ENOUGH SAID !!!!!

crysta1010

Have just written my 2nd letter to a & l requesting back payment of £297.00. Last week it was £195.00 (more charges every week) I have also requested by return (thanks cyberman) a complete breakdown of how they calculate charges etc.

I have cancelled all payments going into this account and changed the necessary dd's (so ALLIANCE & LEICESTER can go stuff it cos they not having anymore of our money) and gone with TSB with no debit card, just a normal cash card that you take your money out of the cash machines (how it used to be) and no overdraft and no cheque book. So everything will be paid for by cash apart from the necessary direct debits (mortgage and insurances).

Only problem is I have an overdraft of £500 but when they repay me the charges I will gladly put the rest to it to cover my overdraft with them.

Should I let them know this in the letter .......

Edinburghlass_2

Lottie's_Mum wrote: »

Many thanks EdinburghLass,that is very useful. Just one other query though: I read on another thread somewhere that I should submit a Form N244. Should I still do that, or do I simply wait for a court hearing and in the meantime only respond to the bank's solicitors Request for Further Information?

The thread you are referring to is when the court ask for the information, what you have is NatWest's defence and you do not need to respond to this. If the court ask for further information then yes, you may need to fill in a Form N244.

Edinburghlass_2

crysta1010 wrote: »

Only problem is I have an overdraft of £500 but when they repay me the charges I will gladly put the rest to it to cover my overdraft with them.

Should I let them know this in the letter .......

Any reclaimed monies will be put in the account it is claimed from so it will pay off your overdraft and you will be left with the remainder so no you don't need to write to them.

Edinburghlass_2

Tweeny wrote: »

Can anyone advise me? I've been notified today that the Woolwich will be defending my claim for £380! My problem is that I live overseas (but am a UK Resident). Do I have to appear at the hearing, if it progresses to that, or can it go ahead in my absence? Any advise would be great.

It is advisable to attend court should it reach that stage.

HarriettPotter

My bruv has had a court date inviting him for a 5 minute directions hearing. Does he need to take anything? It doesnt say so on the letter..?

Any advice?