Reclaim Unfair Bank Charges article discussion Part II

cyberman_3

Agnes wrote: »

hello everyone, I have received this email today from Barclays litigation:-

<O:p</O:p
Thank you for your emails. Sharon Daboul is currently out of the office on holiday and I am dealing with her caseload in her absence. <O:p></O:p>
<O:p></O:p>
have reviewed your file and note that the Hearing scheduled for 14<SUP>th</SUP> August is a Directions Hearing, which the Bank will be attending. <O:p> </O:p>
If you have any further queries please don’t hesitate to contact me with by email or phone on 020 7116 8143 <O:p></O:p>
<O:p> </O:p>
Yours sincerely. <O:p></O:p>
<O:p></O:p>
Paul Haut<O:p></O:p>

Hi Paul

Barclays attentending !!! Suggest you just advise them that you will be asking the court how Barclays breakdown the charges and you want a full calculation of this.

sparky080703

Hi All

Having won against Halifax thought i would try all the rest!
Sent letter to Studio asking for £140 from charges and they have sent me the money but in the form of VOUCHERS to use against my next purchase [i think this is because there is no balance].

Please somebody tell me that i can ask for my money back, not to be paid in vouchers?

Thanks Sparkyxx

Jayneo_2

Hiya
Am due to go to court 14th August :eek: - can anyone point me in the right direction of preparing the literature to send off to all parties i.e. HSBC solicitor & court.

Is there a thread here I can use? I rang the court for advice today but they weren't very helpful.

I'd appreciate any help/advice.

Thanks

lottieru

right i sent my letter to the Yorkshire asking for my money back. My letter was dated 10th July 2007

i received a letter dated 13th July 2007 saying that it has been passed on to customer relations and they will be investigating and will contact me as soon as their investigations are complete.

Do i wait or do i send the 3rd letter threatening court action now?

CJTM103

Bank - Lloyds
Amount I reclaimed - £1206
Amount paid - £700

I used Martin's format letters, and got as far as the second threatening letter. They wrote to me asking for more time to find an amicable solution, then just deposited £700 into my account without telling me. It is noted as a "goodwill payment" on my statement. Lloyds are so disorganised that they are still sending me letters asking for more time. V pleased with result! Thank you Martin:rotfl:

Edinburghlass_2

CJTM103 wrote: »

Bank - Lloyds
Amount I reclaimed - £1206
Amount paid - £700

I used Martin's format letters, and got as far as the second threatening letter. They wrote to me asking for more time to find an amicable solution, then just deposited £700 into my account without telling me. It is noted as a "goodwill payment" on my statement. Lloyds are so disorganised that they are still sending me letters asking for more time. V pleased with result! Thank you Martin:rotfl:

I've moved this out of the Success Stories to answer your post. This is standard procedure for Lloyds to give a goodwill gesture and then expect you to accept and stop the claim.

You can write back to Lloyds and tell them you will accept this amount in part payment and without prejudice but will be continuing to court or the FO for the remainder of your claim and see what they say.

debs81

johnllew wrote: »

Seems you're in the habit of agreeing T&Cs, then operating your accounts in such a way as to incur charges and yet feel for some reason you should not have to pay for your actions. Unlike many of us who have operated our accounts responsibly and accordingly haven't incurred these charges.[/quote

reading your comments offended me as i'm sure it did to others. yes i agree that there are some people who are totally irresponsible but there are others like myself who get into financial difficulty through unforseen circumstances. my problems started 6 weeks after we bought our first home when my husband was made redundant without any redundancy money. we couldn't claim off the payment protection insurance as claims weren't allowed until after 8 wks. even when the 8wks had passed we were still unable to claim because the redundancy was prior to this. my husband was out of work for several months and the bank charges were starting to be applied. we were being charged for an unauthorised o/d when it was one of their charges which made us go overdrawn. and the cycle continued and snowballed.

i think you seem to be missing the point. we are not disputing the fact of being charged in the first place because it is part of the t&c's but what we are all disputing is the value of these charges. these charges should be in proportion to what it actually costs the bank when a d/d fails and a letter is sent out etc. if the banks had been acting lawfully in the first place then i dare say many people would not be in the financial difficulty that they are now.

so for everyone who has had banks unlawfully take money from you - GOOD LUCK and keep going.

as for you johnllew, congratulations on managing your account so well. lets hope you never have to be in the same boat as the rest of us.

Edinburghlass_2

PhillipH wrote: »

...and Abbey didn't turn up as expected. The district judge had previously ordered that they serve upon me and the court 14 days prior to todays session (which was a five minute preliminary to decide if it should be refered as a test case), details of any test cases proceeding which would determine the outcome of my case, or to give draft directions for the case to proceed as a test case. Wonder what will happen as they have failed to do this???

The judge gave me the choice of either multitracking as a test case which then puts me at risk of substantial costs should I fail or to refer to a circuit judge and remain in the small claims track. I have chosen the latter. He also said that the outcome would probably (but not always) become the precedent to other circuit judges in that they usually go with their decisions whereas district judges tend not to.

Oh well now awaiting the date to see the circuit judge. :eek:

Phillip, can you let us know which court you attended please.

advent

debs81 wrote: »

johnllew wrote: »

Seems you're in the habit of agreeing T&Cs, then operating your accounts in such a way as to incur charges and yet feel for some reason you should not have to pay for your actions. Unlike many of us who have operated our accounts responsibly and accordingly haven't incurred these charges.[/quote

reading your comments offended me as i'm sure it did to others. yes i agree that there are some people who are totally irresponsible but there are others like myself who get into financial difficulty through unforseen circumstances. my problems started 6 weeks after we bought our first home when my husband was made redundant without any redundancy money. we couldn't claim off the payment protection insurance as claims weren't allowed until after 8 wks. even when the 8wks had passed we were still unable to claim because the redundancy was prior to this. my husband was out of work for several months and the bank charges were starting to be applied. we were being charged for an unauthorised o/d when it was one of their charges which made us go overdrawn. and the cycle continued and snowballed.

i think you seem to be missing the point. we are not disputing the fact of being charged in the first place because it is part of the t&c's but what we are all disputing is the value of these charges. these charges should be in proportion to what it actually costs the bank when a d/d fails and a letter is sent out etc. if the banks had been acting lawfully in the first place then i dare say many people would not be in the financial difficulty that they are now.

so for everyone who has had banks unlawfully take money from you - GOOD LUCK and keep going.

as you johnllew, congratulations on managing your account so well. lets hope you never have to be in the same boat as the rest of us.

Well said Debs.:T
I couldn't have put it better myself.

manhater

Can someone please advise for a friend of mine who is claiming there charges back from lloyds tsb, they have just received there list of charges but is confused over what they can claim for and what they can.

The list shows o/draft interest, o/draft usage fee, o/draft excess fee, account charge. Can he claim on all of these or are some of these non claimable?