Reclaim Unfair Bank Charges article discussion Part II

drchachai

I had a Barclays Personal Account & Buisness Account which I closed 7 years ago, can I still claim back charges from them? I don't have any of the statments can I still get them from Barclays Bank?

Thankyou

Ayers_2

pdrcl wrote: »

i need some advice!
i am claiming just under £1700 from LloydsTSB + interest.
they offered me £750 as a goodwill gesture (eventually after i kept the pressure on them with letters).
i accepted this without prejudice, but persisted with my claim.
today i have received a letter from them stating that they won't refund me any more money.
i don't know whether to go to the courts or the financial ombudsman now!
does anyone have any advice? and does anyone have any idea of timescales? i have spoken to a really nice lady at the FO and she says its around 6 months or just over with them.
any advice welcome!
thanks!

I have the same amount put into my account with this wording on the statement, I have not had any paperwork from them and I do not know what to do about this. I now have a court date and need advise please.

Thanks
Sharron

Lottie's_Mum

drchachai wrote: »

I had a Barclays Personal Account & Buisness Account which I closed 7 years ago, can I still claim back charges from them? I don't have any of the statments can I still get them from Barclays Bank?

Thankyou

Although it is likely that you will be able to obtain bank statements going back that far, you can only seek to get a refund on your charges going back six years, so in this instance sorry to tell you but you are over the time limit.

Banbury-VS-Barclays

I have now filed on-line for a judgment by default as I have heard nothing from Barclay's, I have given the date that I expect to be paid by etc.

Is that It ?

Does the judge have to issue the judgment or can he still give them time to enter a defense and get their day in court ?

Or should I presume the money will be in my account any day soon :j

MartinsMyHero

Trekker578 wrote: »

Anyone have a Smile account from the Coop?, if so it looks like they will pay your charges back without much of a fuss. They have just refunded me over £1,400 with in four weeks of claiming.:beer: [/i]

Thanks for letting us know about your sucess with the Coop.:beer:

I am claiming from them too. Only £750 but have had to now threaten court action as they have still not paid up 5 weeks after requesting charges info.

Did you get to the stage where you had to send the letter before court action? At what stage in the correspondence process did you get up to before they paid?

Would love to hear from you soon - I'm sure others would too.

advent

Hi, Sorry this is a bit long but could do with some advice.

I had an a/c with Crap 1 from 2001. In 2004 they sold the debt to a debt firm who then sold it on to NCO. I had an arrangement and kept up payments as best I could. (I split from my husband in August 2003 so finances were not easy but I had written to Cap One to keep them informed) NCO sent letters every now and then offering to settle for lesser figures but I couldn't afford to up my payments. Then I got a letter offering a deal where I paid only 50% of the outstanding balance IN FULL & FINAL SETTLEMENT. By this time I had a partner who said it was too good to miss and lent me the money to pay it. I never got a final letter from NCO but the cheque cleared and I think I confirmed a/c was closed on the phone to NCO.

I have been chasing Capital One for bank charges and sent off for statements which arrived a week later. Calculated charges at £174 and interest and sent off letter reclaiming £240. Got letter today apologising for the inconvenience caused and saying they have refunded £66 (difference between what they charged and £12) to my a/c to reduce the outstanding balance! I rang them and told them the above story. They agreed that they were not chasing me for the balance and that the a/c was closed as far as they were concerned and that the £66 had indeed been deducted from the balance outstanding. explained there wasn't a balance as I'd paid NCO in Full and Final Settlement. They said no-It was in f&f to NCO but there was still a balance (although they weren't chasing me and the a/c is closed) therefore credit agencies such as Equifax would have it down as a partial settlement. Is it worth chasing this one any more? If I get all I asked for back it would still be £200 short of the balance they say is on the a/c and therefore will still show ona credit rating as "partial settlement". (Personally I thought these things were either settled or not settled-never heard of partial settlement)
Any thoughts would be welcomed.

<!-- / message --><!-- edit note -->

steiner_2

Hi everyone requiring some advice,
started my claim for £700 including interest three month ago and Abbey bank have been dragging their feet, finally had to put in a small claim after they had sent a letter stating the charges where lawful. I have recieved a letter today from money claim(small claims court) stating that abbey are going to defend the case in 28 days...is this more intimidation from the bank as it is all starting to be a bit serious. I'm also unsure about what i am supposed to do next, do i have to put together evidence annd reasons why i believe the charges to be unlawful
any hel and advice would be appreciated
cheers john:beer:

advent

steiner wrote: »

Hi everyone requiring some advice,
started my claim for £700 including interest three month ago and Abbey bank have been dragging their feet, finally had to put in a small claim after they had sent a letter stating the charges where lawful. I have recieved a letter today from money claim(small claims court) stating that abbey are going to defend the case in 28 days...is this more intimidation from the bank as it is all starting to be a bit serious. I'm also unsure about what i am supposed to do next, do i have to put together evidence annd reasons why i believe the charges to be unlawful
any hel and advice would be appreciated
cheers john:beer:

Hi John
The banks will almost always say they will defend because it gives them a bit longer. Its just another delay/intimidation tactic. Don't be put off. They usually settle before the 28 days are up, often on the very last day! Gather evidence just in case but don't panic.
Hope that helps:D

steiner_2

Hi advent thanks for the quick reply
when you say gather evvidence do you mean the bank statements, reasons why i went overdrawn or some other thing
cheers john

stevo1000

hi please can anyone advise me i have gone through the process so far with abbey to the point of refusing an offer of only £35 against my claim of £1650 they have responded once again with a letter telling me they will investigate further ?? should i now proceed to the ombudsman or inform them i will not wait another forty days for their responce and demand back the full ammount or will then contact ombudsman