Reclaim Unfair Bank Charges article discussion Part II

sweetwilliam

fox_cottage wrote: »

Could someone tell me if when you have given the 14 day deadline but have not stuck to it because either they have not replied so you hang on a bit hoping for a reply or wait while they investigate, if that will affect any court action, will I have to issue another 14 day letter. A bit worried that i don't come out of process, does anyone have any exoerience of this
Thanks

They usually send letter saying they are investigating your complaint. It will t
take four weeks and when the four weeks are ending,they write saying it will take some more time, so it is best to start the claim immediately.

sweetwilliam

cyberman wrote: »

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

I did telephone them. It was transferred miles away, close to the Bank's Head Office.

biffbiff

cheekysmiler wrote: »

cannot believe it folks - Clydesdale Bank Plc have refunded me over £3400 - yipee!! This is complete amount, including interest, that they have refunded me.

Success !! it can be done in Scotland and especially with the clydesdale bank.

drinks are on me!!
:beer:


cheekysmiler

That Has made my day hearing someone in Scotland winning that is the first i have heard, in process at the monent with A & L,awaiting court date fingers crossed Thanks again for the uplift.

Peaple_vs_Banks

Hi,
I have 2 claims against Lloyds TSB 1) £303. & 2) £650. the returndate is 13th June and the prelimary hearing 20th June. After the ruling with the judge that backed the back, I was wondering if I shoud continue or just forget the whole thing?

I am looking for some help!

This is for the bank in Scotland so should I give up and through the towel in!!!!

codydog78

pod1981 wrote: »

Is anyone aware of how efficient Halifax Plc are at refunding bank charges, are they reasonable prompt or not??

hi, just to let you know i started my claim with halifax in feb and got the money beginning of may having started court proceedures against them with MCOL

cyberman_3

jayneg wrote: »

Thanks so much for this. Do I print this off and quote if the judge asks for confirmation of why claim being brought? I havent asked NatWest for breakdown in their penalty charges. Should I do this before sending my court bundle next week and put a copy of the letter with bundle? Nat West still have plenty of time to answer as court hearing not until 4 July. Cheers! JG

The Judge should know the law but best have as much info with you.

YES I would just confirm to Natwest that you intend to ask the court for a breakdwn of their charges

cyberman_3

jayneg wrote: »

Thanks for that. Im terrified of getting this bit wrong and just feel it in my bones that NatWest will take this one all the way to hearing! Need to know what to say to judge when get there! Bit frightening eh!

Let them take it to the hearing .. IF THEY TURN UP

As I keep sayng, you need to know a breakdown of their costs. On Natwest £35 penalty charges, doubt they will want to say because of the law.

They cannot charge more than their costs and if they do, the charges are un-enforceable. Let Natwest know that you require this information.

cyberman_3

Peaple_vs_Banks wrote: »

Hi,
I have 2 claims against Lloyds TSB 1) £303. & 2) £650. the returndate is 13th June and the prelimary hearing 20th June. After the ruling with the judge that backed the back, I was wondering if I shoud continue or just forget the whole thing?

I am looking for some help!

This is for the bank in Scotland so should I give up and through the towel in!!!!

As Martin says on this site, Radio 2, Radio 4, GMTV >>>> The Lloyds win does not set a precendent that another bank can use. The Judge in the Lloyds case did not have the full information in front of him. MAKE SURE you have all the correct info.

cyberman_3

Originally Posted by cyberman
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

sweetwilliam wrote: »

I did telephone them. It was transferred miles away, close to the Bank's Head Office.

Did you ask them for the date the bailiffs would go in. You paid for the bailiffs to collect so they must tell you

pinkmoneysaver

Monkeybadger - I am in the same situation as yourself - HSBC have defended and it has been transferred to my local court without the questionnaire. I have called my local court - court locations and numbers can be found on the HMCS Homepage - and they have been very helpful of advising the process. I am not sure why HSBC are doing this and I have called them to find out if they intend to settle, and they have advised that the process is taking a lot of time etc as they are very busy (surprised?). Hang in there - I am not impressed at having to go to court either, but I am not for a minute going to let those idiots win! I was harassed by their collections department (i.e. 16 phone calls a day, including 9:00pm on a Saturday night) when my account was over drawn as a result of their charges (I have switched banks), which was very stressful for me, so I am determined to go to the wire with them!

Will keep you posted.