Reclaim Unfair Bank Charges article discussion Part II

lindilou39

lauranick wrote: »

I have a court date for my claim (Aug 13th), checking through my charges calculations, the total figure for the detailed calculation list going in to my court bundle is 42 pence less than that I stated in my original claim particulars, and I just can't reconcile the difference. I know this seems a very small thing, but is it the sort of thing that the banks will pick up on and use against me?

Do you know why it is 42p less?? if you do could help bunging a letter in to outline why there is a difference.

Lin

mrsh2103

I have got as far as taking Lloyds to court. They are defending the claim and I have been given a court date. Just wondering if i need to go to the court on the date or what I have to do as i've not got a clue.

lindilou39

mrsh2103 wrote: »

I have got as far as taking Lloyds to court. They are defending the claim and I have been given a court date. Just wondering if i need to go to the court on the date or what I have to do as i've not got a clue.

The court will be corresponding in due course mrsh, if you,re at all worried, phone your local county court quoting your claim number.

Lin

cymraes

Hi,

I'm just collecting all the figures ready to send letter 2 to Abbey, not sure if I can claim Cleared Transactions Fees back?

Can anyone help please?

Thanks

:hello:

lindilou39

cymraes wrote: »

Hi,

I'm just collecting all the figures ready to send letter 2 to Abbey, not sure if I can claim Cleared Transactions Fees back?

Can anyone help please?

Thanks

:hello:

wish I could get my MSN emoticons up but....no

Lin

jonesys_2

joruss wrote: »

I sent a letter to halifax on 31.3.07 recorded delivery.They signed for it on 3.4.07. Rang them on 18.5.07 nd was advised that they would be requesting my details and i should have the info shortly (i received a DSAR number from the lady i spoke to).
40 working days is up on 29.5.07 so rang again yesterday (0845 72 53 519) and was advised they have never received my request.When i advised of a DSAR number she said she had never heard of DSAR number. They would put in a further request but that would take another 8 weeks.Told them that wasnt good enough and they replied it was the only thing they could do!!!!!!

I think they are giving me the run around

Think i am going to go into my branch and complain with the proof that they have received my original letter

Any advice would be appreciated as i am a newbie at this and cant even get past the first hurdle

I applied for my bank statements in January after 40 days i called Lloyds and was told they hadn't recieved my letter. Went to my local branch and a very nice lady ordered them as i was there. i recieved them within 2 days.the following week they cashed my original cheque and sent me another 6 years statements.They did refund me though. After several calls and letters They made a good will gesture of £750. Because of all the frustration with having to deal with trying to get my money back i filed for court. they are defending but i am determined to take them all the way. I have spoken with my local court who've informed me that i'll have a hearing date shortly.
I am not a lucky person so if anyone is going to loose it'll be me!

showmethemoney07

k1mmie wrote: »

How are you getting on with Vanquis? I could not find my details as it is an old card. So I emailed their site and asked for statements to be sent to me or information enabling me to claim. They sent a letter sayng here is an offer amounting to the amount you claim are the total for charges. I am confused. I have not had statements and have not given them any figures - as yet. How about you? SOund familiar?

Hi ya, I have sent them a letter asking for a schedule of charges (I have not kept my statements) and they have sent me a standard letter back saying that they are dealing with my complaont and should get back to me within the next 28 days. As it is, I haven't actually made a complaint or request for my charges yet so I'm assuming that it's just a standard letter reply. I will give you an update as and when I hear from them again. I don't know what they mean by your letter, I'd ring them and find out if I were you - there could be a big fat cheque waiting for you! xxxxxxxxxxxxxxxxx

cyberman_3

solarkatie wrote: »

The saga goes on between Barclays and ourselves. <O:p</O:p
<O:p</O:p
Can anyone tell me why is Barclays treating us differently than anyone else on this site? Are they creating a test case or just plain stupid? We will continue to ask the important question “How does Barclays Bank calculate their charges and that I require a full and complete breakdown of their unfair charges over the last six years”.
<O:p</O:p
<O:p</O:p
This morning we have received a FINAL NOTICE for our son on the "ADDITIONS" on his account. The letter goes:

“You have failed to comply with the repayment requests of Central Debt Collection Services, acting on our behalf. As a consequence we are preparing papers which will instigate legal proceedings against you through the County Courts.<O:p</O:p
<O:p</O:p

If payment of the full outstanding balance is not made immediately, an application will be made to the County Court for the issue of legal proceedings. You will then become liable for the court costs incurred as well as the interest which will accrue until judgement has been entered against you. The current interest rate is given above. (8% per annum). Blah blah blah.”<O:p</O:p
<O:p</O:p

Barclays have already issued a summons on 10th May against my son and we are still waiting for a court date. In our defence to the summons I have quoted "Additions" stating that my son never agreed to this. (I saw the video of Whistle Blower on additions).<O:p</O:p
<O:p</O:p

How can they issue a further summons when the case has not yet been heard? I must stress that this threat is from the Manchester dept whereas the first summons is from London! LEFT HAND RIGHT HAND?<O:p</O:p
<O:p</O:p

I truly believe that Barclays are harassing us and "sticking the knife in and twisting it".<?xml:namespace prefix = v ns = "urn:schemas-microsoft-com:vml" /><v:shape id=_x0000_i1027 style="WIDTH: 11.25pt; HEIGHT: 16.5pt" type="#_x0000_t75" alt="0"> <v:imagedata src="file:///C:/DOCUME~1/Margaret/LOCALS~1/Temp/msoclip1/01/clip_image003.gif" o:href="http://forums.moneysavingexpert.com/images/smilies/angry-smiley-030.gif"></v:imagedata></v:shape><O:p</O:p

I wonder if there is anyone out there who maybe retired from working for Barclays recently who could shed some light on this.
<O:p</O:p
<O:p</O:p
The whole thing is confusing and I do not know what to do! Should I respond by telephone and/or letter to this latest threat of a summons and if so what should I tell Barclays.


I will however press steadfastly on! I have not come this far and sent out 13 letters and numerous Emails and defended the summons and reported to the FSA and the FSO for nothing!

<O:p</O:p

BARCLAYS BANK AGAIN ??? I would suggest you speak to someone at the bank and say you now deem this as harassment as they are ignoring your letters. Tell Barclays in no uncertain terms that you welcome them commencing a summons because this will give you the opportunity to ask the court how Barclays calculate their charges. PLUS, you will bring to the notice of the Court that Barclays Bank thus far have ignored your requests for the same information.

If Barclays are stupid enough to ignore that, you may well be the first to trap them in court. Trap them and it's all over for the banks, Barclays Bank included.
By the way, the Central Debt Collection Services you refer to ...... you are fully entitled to ask them the same question. “How does Barclays Bank calculate their charges and that I require a full and complete breakdown of their unfair charges over the last six years”.

Such a question must be passed back to their masters because like us, they won't have a clue either. So, if they cannot give you the answer, any further letters/threats from them must be deemed as harassment.

Gently gently catch a monkey.

Amandaahb

Hi, I need some help PLEASE!

I wrote to Halifax on the 21st June with the threat letter asking for 70% of my money back as I had recieved the letter from them saying they had investigated my case and that there was nothing they was going to do.
It has now been just over 14 working days and I am a bit confused as to what I do know.
Can someone please help me?

Thanks
Amanda

debbie43_2

Hi, hope someone can help me - I am at the part where you take the bank to court, so went on line and filled in the form, however this is where the problem is, the bank is the Royal Bank of Scotland and England and Scotland have different laws regarding this, so couldnt carry on. Also read up on the scottish bit and it says you can only claim 5 years charges and a maximum of £750??? Can anyone tell me what to do. I have worked it out and I am owed £1082 without interest so not far out with the 750 but need to know the next step. Many thanks in advance!! Debbie