Reclaim Unfair Bank Charges article discussion Part II

calibra65

Hi, I have two issues

1) My wife is claiming appox £1500 from RBS. For two months of phone calls RBS stated that a letter would be sent out ( approx £1400 ) but the other day RBS stated that there was no letter and declined to say anything more.
What can be done in this case?
2) My claim with HSBC approx £5600 - HSBC have made an offer of £3500, I am unsure whether or not to accept this or try and fight. But I am in financially difficulties and am behind with my mortgate. If I accept I hope to receive the money within 2/3 weeks.

Any help/advice much appreciated

lindilou39

lofatmat wrote: »

im new but dont know where to post this .... since the oft made a deal wi the test case the banks have started charging again... i am gutted wen seeing i got a 105 pound charge that has put me into overdraft will get charged again anyone know what to do


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</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>10.00

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right bgColor=#ccffff>

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>220.71

</TD><TD vAlign=top noWrap align=left>

</TD><TD bgColor=#66cc99></TD></TR><TR><TD bgColor=#66cc99></TD><TD vAlign=top noWrap>27Jul07

</TD><TD noWrap bgColor=#66cc99></TD><TD vAlign=top bgColor=#ccffff>SO

</TD><TD bgColor=#ccffff></TD><TD vAlign=top noWrap bgColor=#ccffff>STIRLING PARK

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>5.00

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right bgColor=#ccffff>

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>215.71

</TD><TD vAlign=top noWrap align=left>

</TD><TD bgColor=#66cc99></TD></TR><TR><TD bgColor=#66cc99></TD><TD vAlign=top noWrap>27Jul07

</TD><TD noWrap bgColor=#66cc99></TD><TD vAlign=top bgColor=#ccffff>SO

</TD><TD bgColor=#ccffff></TD><TD vAlign=top noWrap bgColor=#ccffff>ARGOS

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>10.00

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right bgColor=#ccffff>

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>205.71

</TD><TD vAlign=top noWrap align=left>

</TD><TD bgColor=#66cc99></TD></TR><TR><TD bgColor=#66cc99></TD><TD vAlign=top noWrap>27Jul07

</TD><TD noWrap bgColor=#66cc99></TD><TD vAlign=top bgColor=#ccffff>CPT

</TD><TD bgColor=#ccffff></TD><TD vAlign=top noWrap bgColor=#ccffff>LNK BOGBAIN ROAD
CD

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>160.00

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</TD><TD vAlign=top noWrap align=left>

</TD><TD bgColor=#66cc99></TD></TR><TR><TD bgColor=#66cc99></TD><TD vAlign=top noWrap>31Jul07

</TD><TD noWrap bgColor=#66cc99></TD><TD vAlign=top bgColor=#ccffff>DD

</TD><TD bgColor=#ccffff></TD><TD vAlign=top noWrap bgColor=#ccffff>FIRST NATIONAL
0

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>54.77

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</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>9.06

</TD><TD vAlign=top noWrap align=left>DR

</TD><TD bgColor=#66cc99></TD></TR><TR><TD bgColor=#66cc99></TD><TD vAlign=top noWrap>31Jul07

</TD><TD noWrap bgColor=#66cc99></TD><TD vAlign=top bgColor=#ccffff>

</TD><TD bgColor=#ccffff></TD><TD vAlign=top noWrap bgColor=#ccffff>RETURNED DD

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right bgColor=#ccffff>54.77

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>45.71

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</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>59.29

</TD><TD vAlign=top noWrap align=left>DR

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</TD><TD bgColor=#ccffff></TD><TD vAlign=top noWrap bgColor=#ccffff>AOL ACCESS SERVICE
0

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>12.60

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right bgColor=#ccffff>

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>71.89

</TD><TD vAlign=top noWrap align=left>DR

</TD><TD bgColor=#66cc99></TD></TR><TR><TD bgColor=#66cc99></TD><TD vAlign=top noWrap>02Aug07

</TD><TD noWrap bgColor=#66cc99></TD><TD vAlign=top bgColor=#ccffff>

</TD><TD bgColor=#ccffff></TD><TD vAlign=top noWrap bgColor=#ccffff>RETURNED DD

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right bgColor=#ccffff>12.60

</TD><TD bgColor=#66cc99></TD><TD vAlign=top noWrap align=right>59.29

</TD><TD vAlign=top noWrap align=left>DR

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unfortunately the banks can still charge, see my post on main page to 'unfair bank charges' its us the claimants who are saying they are unfair not the banks, with due respect, if the OFT agreed to put a hold on banks charging there would most certainly be many that would take advantage, and if the banks won...they most certainly will be sending out schedules of charges to you and adding their interest, you should have opened a new account to stop this happening

Chie

Quick question. I sent a reclaim letter to HSBC on the 24th of July, before the OFT announcement. Is HSBC allowed to not deal with it, even though the letter is dated the 24th? Or is it only new claims that they can temporarily (probably for years at this rate) refuse to deal with? The claim was for £100 in overdraft charges. The morons have sent me a letter today notifying me of another £25 charge. It's absolutely ridiculous that they're allowed to carry on charging people during the test case, when the whole point of the test case is to establish whether the charges are legal or not!

I've been unable to set up a new bank account due to not having a passport or driver's license (my HSBC account was opened when I was 12 so I didn't need either back then), so my next plan is to get my salary paid into a relative's bank account as of next month, to avoid the current HSBC overdraft [death] trap! They will not win, and I will not surrender!

saltpot

been reading the latest information on bank charges- my partner put a claim in through mcol- barclays have issed a defence on 2/8/07- so can'y pursue online now-is this likely to be put on hold?
thanks Julie- I was in a similar position recently and onec defence was put in I received an offer to settle out of court which I accepted

k1mmie

Chie wrote: »

Quick question. I sent a reclaim letter to HSBC on the 24th of July, before the OFT announcement. Is HSBC allowed to not deal with it, even though the letter is dated the 24th? Or is it only new claims that they can temporarily (probably for years at this rate) refuse to deal with? The claim was for £100 in overdraft charges. The morons have sent me a letter today notifying me of another £25 charge. It's absolutely ridiculous that they're allowed to carry on charging people during the test case, when the whole point of the test case is to establish whether the charges are legal or not!

I've been unable to set up a new bank account due to not having a passport or driver's license (my HSBC account was opened when I was 12 so I didn't need either back then), so my next plan is to get my salary paid into a relative's bank account as of next month, to avoid the current HSBC overdraft [death] trap! They will not win, and I will not surrender!

Unfortunately this is for all claims in their system - regardless of how new or existing. I had my claim with them since 20th June and had my letter saying 6-7 weeks. My seven weeks would be up now, but will not get a penny now (or at least not yet).

Apparently you should still give them the timescale you provided in your letter, then whilst some courts are still hearing cases go down that route.

Good luck!

katie1

i wrote to capital one last week asking for bank statements for 6 yrs , this morning i was shocked when the post man ask me to sing for a letter. opened it up and it was from capital one three pages of statements no where near 6 yrs worth. i rang them and said i wanted all 6 years worth they said it would take 7 - 10 days I THINK THEY ARE JUST DELAYING COS THEY KNOW IM GONNA ASK FOR CHARGES BACK !!!

katie1

katie1 wrote: »

i wrote to capital one last week asking for bank statements for 6 yrs , this morning i was shocked when the post man ask me to sing for a letter. opened it up and it was from capital one three pages of statements no where near 6 yrs worth. i rang them and said i wanted all 6 years worth they said it would take 7 - 10 days I THINK THEY ARE JUST DELAYING COS THEY KNOW IM GONNA ASK FOR CHARGES BACK !!!

i ment to say sign for letter sorry:rotfl:

sparky080703

Hi Folks

Can somebody please give me the address for sending the first letter to Crapital One, i have my statements back and just need the address before the rules change on c.cards.

Thanks Sparky xxx

ryand131084

Silly thing i know but i have had a refund already from my bank but they have began chargin me again as i have spend the money and have gone overdrawn a couple of times.... has any 1 claimed twice?????? or can any post info to what different steps if any can be taken?

GreatVFM

First Post on this site

Any directions please?

My bank have put in a defense saying that charges were listed on the T& C's to which I agreed.

Court date set for Sept 20th (?ish).

Is this the scare tactics, They have continually denied my claim and never made any offer.

I'm quite happy to turn up at SCC, but it can be an all day affair.

Given the latest news is it even likely to happen on this date?

NI based, claim for £1575.

Any thoughts, from you many successful claimants?

Many Thanks in advance

Great VFM