Reclaim Unfair Bank Charges article discussion Part II

Palerie-head

wolveslad wrote: »

DUE IN COURT TOMMORROW PEOPLE. 14/09/07
WISH ME LUCK!!!

Update to follow. :eek:

How did you get on?????????????

gillt_2

Hello all

I'm in a bit of a predicament. I put in a claim to NatWest in May for just over £6000. They offered me £5854 in July, which I accepted and after a bit of chasing around (detailed in other posts at the time), the money went into my account around August 12th. So far so good. Then, 2 weeks later I received through the post a hand-written cheque for the same amount! So far I haven't done anything with it - apart from look at it! The temptation to pay it in is enormous - but so far my conscience hasn't let me. They haven't written or phoned to ask for it back, so obviously don't realise what they have done.

Has this happened to anyone else and if so, what sis you do?

Yours confusedlt

Gillt

gillt_2

Meant to say "what did you do"

and "Yours confusedly" !

taniamct

BANKBANDIT wrote: »

Hi ya
I won with cap one and got back ALL charges you do have to take them to court to get it back but they pay up in full befor court date so you dont have to go to court.
I dont know about Halifax but good luck with cap one dont give up its your money go get it . they paid me the diff between the 12 and 24 but i wrote back and said i will take it as part payment without prejudice but will continue to court for the rest . Thats what i did and it worked so good luck

how long ago did you win with capital one ? i am also at the same point have worked out they owe me £285 and they are offering me £88 i would to take them to court but just abit scared now with the news of this test case?? thanks

taniamct

Palerie-head wrote: »

How did you get on?????????????

GOOD LUCK:T

BANKBANDIT_2

taniamct wrote: »

how long ago did you win with capital one ? i am also at the same point have worked out they owe me £285 and they are offering me £88 i would to take them to court but just abit scared now with the news of this test case?? thanks

I won befor all this new stuff started and got full charges back
i have to say cap one were the best of the of banks to deal with in my case any way didnt even pay for my statments they sent them to me free
dont know whats going on now but good luck with it and dont give in :beer:
you do have to take them to court befor they pay in full though but they settled befor i had to go to court
hope this helps

Palerie-head

gillt wrote: »

Hello all

I'm in a bit of a predicament. I put in a claim to NatWest in May for just over £6000. They offered me £5854 in July, which I accepted and after a bit of chasing around (detailed in other posts at the time), the money went into my account around August 12th. So far so good. Then, 2 weeks later I received through the post a hand-written cheque for the same amount! So far I haven't done anything with it - apart from look at it! The temptation to pay it in is enormous - but so far my conscience hasn't let me. They haven't written or phoned to ask for it back, so obviously don't realise what they have done.

Has this happened to anyone else and if so, what sis you do?

Yours confusedlt

Gillt

They will realise and they'll make you pay it back - best thing to do is write back and enclose the cheque. At least you've had back what you claimed and honesty is always the best policy...no matter how tempted you might be!

taniamct

BANKBANDIT wrote: »

I won befor all this new stuff started and got full charges back
i have to say cap one were the best of the of banks to deal with in my case any way didnt even pay for my statments they sent them to me free
dont know whats going on now but good luck with it and dont give in :beer:
you do have to take them to court befor they pay in full though but they settled befor i had to go to court
hope this helps

Cheers bankbandit that has helped me i think i will take them to court at the end of the day its money i wasnt expecting back !!!
Now all i have to do is try and get my statements from halifax now gone over 40 days have sent all letters from the templates and phoned and still not received them had about 10 letters saying they are processing my request but still nothing dont even know how much they owe me yet !!! one of my halifax is a credit card i dont know if anyone knows if i can still go ahead with that does this test case affect credit cards ??

sparky080703

Yes you can continue with credit cards and i have had a rubbish offer from Cap One. If you are waiting on statements from Halifax bank it took me 56 days to get mine, but got credit card one on time, you have to keep ringing.

Does anybody have a template letter for accepting a part offer without prejudice but will persue the rest?

Thanks xx

taniamct

sparky080703 wrote: »

Yes you can continue with credit cards and i have had a rubbish offer from Cap One. If you are waiting on statements from Halifax bank it took me 56 days to get mine, but got credit card one on time, you have to keep ringing.

Does anybody have a template letter for accepting a part offer without prejudice but will persue the rest?

Thanks xx

thanks sparky. At last received one of my bank statements from halifax they sent it to my old address i was lucky to get it they are so useless. Worth waiting for i suppose £3800 in charges only thing is its a debit card account . Does anyone know how far i take it now because of the test case ???