Reclaim Unfair Bank Charges article discussion Part II

richwolves36

When giving out your deadlines to the banks, is it 14 days or 14 working days

Wilko_77

Hi everyone, I have posted this on my own threads but not had a reply for a couple of days. So I apologise for repeating. I am claiming for myself and my father in law, where they have just entered a defence and it looks like I'll be going to court. I am increasingly concerned over this T&C's issue as I have never kept any of that !!!!!!.
I have written a letter, shown below, which I think may strengthen my bundle.

Dear Sir or Madam,

I am writing to request that you send me all documented information in relation to myself and my bank account that is in your possession. I am in the process of claiming against you for what I would describe as unlawful charges that you have applied to my account over the last six years. What I specifically request from yourselves are the Terms & Condition relevant to my account since it has been opened also any documentation in relation to me or my account. I am aware that the Terms & Conditions have recently been amended by Lloyds TSB in light of the continuing legal fight against you in relation to what I believe to be unlawful bank charges. I therefore request the Terms and Conditions issued to me when the account was originally opened and also any amendments in these T&C's over the length of my account.
These documents are required due to the fact that I am in the process of assembling my court 'bundle' in preparation for our court meeting, which the date has not yet been confirmed. It is unfortunate that this situation has come to this, but I am steadfast in by belief that I will be successful in our court case as I have done my research and put together a healthy court 'bundle' to date.
It is also unfortunate that communications have not resolved our situation, where I only got one response from yourselves stating that my charges will not be cancelled.
This letter was sent by recorded delivery in order for me to show the judge on the day of our court meeting, that I have done everything in my power to get relevant documentation from you before the case is heard. I have also kept copies of the other letters sent from me to yourselves in order to resolve this situation before the court process, which will be put before the judge. I have again attached a copy of the schedule of charges which I am claiming for, for your information.
Please find enclosed a cheque for the maximum statutory charge of £10. I feel that I am entitled to this documentation and information by law under the data protection act, and await your reply.
I look forward to your response within 40 calender days, as Lloyds TSB is obliged to reply under the Data Protection Act. If not I shall seek remedy from the Information Commissioner and also the jusge will be informed on the day of our hearing.

Yours faithfully,

WHat do you think?

Wilko_77

Just a quick question also. Is it 40 working days or 40 calender days?

LaLa07_2

Edinburgh Lass, do you think I should send Barlcays a letter telling them I will settle for an amount close to the full amount, which might please the judge should it ever go to court, and shows that I was trying to avoid wasting court time?

sweepster

Edinburghlass wrote: »

You'll find the guide to the AQ in the Reclaim Help Thread which is linked in my signature.

Just completed my questionnaire thanks alot that was so easy to do.
thanks again
sweepyxx:beer:

Wilko_77

Well done to you all. Just a bit worried that there are no Lloyds TSB success stories here.

tsr123

can someone please read my comments on page 14 cos i still dont know what to do and need some help. PLEAES.

nickmack

richwolves36 wrote: »

When giving out your deadlines to the banks, is it 14 days or 14 working days

Wilko_77 wrote:

Just a quick question also. Is it 40 working days or 40 calender days?

Calendar days in both cases.

Thinkpink_2

I just found this that has been posted today so dont be put off they are still paying out........Well done Majid :T :T

Majid wrote: »

Amount claimed: £590
Amount offered: £535

My first claim was rejected, so I sent a second letter saying I would now consider court action but might accept an offer of a settlement. Got a second letter from the bank on Saturday (19 May) offering us £535 in full and final settlement.

Our charges were actually £485 and the other hundred odd pounds claimed was interest, so the offer of £535 is not a bad compromise.

Thanks for the templates and advice, and good luck everybody else!

elliott1982

well ....got up this morning,went online,filled judgement!mcol says judgement filled!
got home from work letter in the post for transfer of hearing!!!!!
sooooooooooooooo...pixxed off!!!