Reclaim Unfair Bank Charges article discussion Part II

Simon7685

Hello Moneysavers

My case is at the stage where the AQ has been dispensed with and the case transfered to my local court and now I wait for them to contact me.

Does anyone know if before going to court I should write direct to my bank asking them to provide a breakdown of their charges.

Thanks
Simon

sweetwilliam

cyberman wrote: »

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

I was given the Bailiff's name. He said he would ring me the following day,he didn't.

tezl

have joint account but filled in mcol with one name will it make a difference thanks,

sweepster

chops05 wrote: »

Bank: Abbey
Amount Reclaimed: 585 + interest
Amount they paid: 889.61 (this is the figure including interest and court costs)

The story: I got as far as getting a court date for 5th June. Stayed up really late last night preparing my court bundle which I was going to post today but I got a letter from the Abbey this morning informing me that they would pay all charges plus interest and court fees!! I'm well pleased!!! :j :j :j :j

Thanks to everyone here on MSE for your excellent advice!! :T :beer:

Well done chops
I am also taking abbey to court and was feeling a bit disheartened but will continue the fight.

sweepyxx

Edinburghlass_2

Simon7685 wrote: »

Hello Moneysavers

My case is at the stage where the AQ has been dispensed with and the case transfered to my local court and now I wait for them to contact me.

Does anyone know if before going to court I should write direct to my bank asking them to provide a breakdown of their charges.

Thanks
Simon

Save yourself the price of a stamp, they aren't going to answer it.

Edinburghlass_2

beckied wrote: »

I am also wondering whether someone can help me i sent letter1 to Lloyds tsb on 20/04 and only had the standerd reply sorry about your complaint blahblah on the 06/05 so i sent letter2 to them on the same day i sent them the same letter on the 12/05 giving them 7 days and still not received anything is it worth while me taking this further now they have had 28 days or do you think that it is maybe to soon with the backlog and everything i was just going of the timescale to the website.

Read Martin's article and follow his timescale there and have a read of the Reclaim Help Thread for the FAQ, this is linked in my signature.

solarkatie

jayneg wrote: »

Can anyone help - getting a little confused now! My hearing - NatWest - 4 July. I know I have to send court bundle which is all correspondence between me and NatWest/Solicitors, bank charges and court docs but just reading a thread on CAG and they give example of court bundle index which includes loads of paperwork with cases details, FSA information etc. Does this all have to be included? Im concerned that if this does go to the hearing, the judge might ask me something to do with these cases and I wont know! What EXACTLY do you say to the judge on the day when he asks the question why do you consider these charges unfair/unlawful? Do I need to know the legal jargon to answer this question. Im concerned because I think after the Lloyds ruling the other day, more and more courts will take this right up to the hearing with a defence. Would really appreciate any help as have to have my court bundle in next week. Anyone out there at the same stage as me? JG

Hi
I am not familiar with Civil court (only Criminal courts), in Criminal court the prosecuter has to prove beyond doubt where the defendant only has to prove that there is doubt.
That is what I am working on with my sons accounts. Martin, please correct me if I am wrong!

agnes_2

on the 16th I thought my 28 days were up on the MCOL, but I was denied access to the judgment by default. I telephoned and was told that the notice of issue states that it was deemed to be served on 21st April. Barclays filed the Acknowledgement of Service intending to defend. tonight I am still denied access it is still saying I cannot request a judgment the defendant is allowed 28 days. can you tell me if this is right

MimiJane

Agnes wrote: »

on the 16th I thought my 28 days were up on the MCOL, but I was denied access to the judgment by default. I telephoned and was told that the notice of issue states that it was deemed to be served on 21st April. Barclays filed the Acknowledgement of Service intending to defend. tonight I am still denied access it is still saying I cannot request a judgment the defendant is allowed 28 days. can you tell me if this is right

It takes an initial 5 days for the claim "to be served", hence the 5 extra days you have to allow.

elliott1982

"The Defendant is allowed a total of 28 days from the date from when they are served with the claim to reply."

this is what mcol says,bot mine was served to hsbc on the 16th of april,and the acknowledged on the 23rd.now my understanding is 5 days from the 16th is the 21st of april,so my 28days start from there?if so my 28 days were up yesterday but i crnt file judgement???any help edinburghlass?