Reclaim Unfair Bank Charges article discussion Part II

blue13

The letter from Lloyds said I will recive a check in the next 10 days. Im gonna bank it then write to em. Not sure how im gonna word it yet either but I think Im gonna send it rec delivery and let em know that I will accept this as part payment but not full and final setlement and will remind them that they cannot insist on full an final according to the FSA.

catoxley

Hiya just received a defence in the post this morning from the banks solicitors just wondering what will happen now?
Thanks

Palerie-head

sarahjane81 wrote: »

Hi, Just read your post and thought you should have a look at this,

(14) if the firm attempts to resolve a relevant charges complaint after the date of this direction (other than those described in condition 12(4)):
(a) the firm must not seek agreement from the complainant that the resolution is in full and final settlement of the matter;

I got this from the FSA website this is one of the conditions of the waiver.
You can read the full document here:

http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/direction_disp.pdf

Hope this helps

Thanks for this!!
I'll be using FSA Direction 6.1 in my next letter to HSBC.. my judgement was given on 25th July and bank are refusing to pay out - but 6.1 clearly states that 'this direction takes affect on 26th July'. Woo hoo! :T

billyboywhit

Hi,
New to all this but have gone through the process from the site and now have an Allocation Questionnaire.
Can anyone help on what to put into Q.G 'Any other information'

advent

catoxley wrote: »

Hiya just received a defence in the post this morning from the banks solicitors just wondering what will happen now?
Thanks

What did they say their defence was?
Chances are that their defence will be that they've already paid you. Look out for the postman:j
Good luck

kathyx7306

Hi everyone, accepted an offer from Halifax via FOS. acceptance form was received by Halifax 01.08.2007, yet still awaiting funds. customer relations 08457 253519, are utterly useless, yet can't get to speak to anyone else but them. They keep quoting 4/6 weeks until I receive payment, but I need it now as I'm broke! would appreciate any advice on how to hurry them up, phone no's etc. many thanks.

spacemere

just keep phoning them, thats what i did and within 3 days it was in my bank account GOOD LUCK

kathyx7306

thanks spacemere, which dept did you phone? as customer relations are useless and are getting fed up of me calling every day.

Palerie-head

You could always write to them and tell them that they are causing you financial hardship by withholding the funds? Other than that, I guess you just need to be thankful that they are even paying up at all, considering how difficult it is for people in the process now to get their claims even looked at. Good luck though.

joshardy

joshardy wrote: »

Bank: LLoydsTSB
Amount Reclaimed: originally asked for £450
Amount they paid: £623
The story: Sent off both of Martins templates asking for £450 of bank charges to be refunded and received the obvious replies as per everyone elses stories on here. Went to MCOL and the bank acknowledged the claim. I was waiting for them to defend as I received a letter from their solicitors saying they would defend and I was'nt getting a penny (this was on a Friday). This was also after the announcement that the test case was going ahead and all claims were going to be suspended pending the outcome of the test case. I had thought that I was not going to get anything but then on Tuesday the following week I had an offer of £623 (interest, MCOL charge). Signed the enclosed papers and got paid today (3 weeks after returning the paperwork).

Martin, thanks very much !

Today I received papers from the court explaining that the bank was going to defend the claim - 4 weeks after they settled ? Don't you love big corporations ? Absolutely useless.