Reclaim Unfair Bank Charges article discussion Part II

playfire1

Brilliant work Martin.

If you havnt seen this - this is martin on GMTV This morning - re lloyds win

click the link, when it comes up, press play in bottom left hand control consul. takes about 10 seconds to start and (as its ITV) they show a quick advert from their sponser before it begins.

http://www.gm.tv/index.cfm?articleid=24657

tezl

just whatched video, thats what were up agaist, she could not lay straight in bed well done martin with honest passion like that youshould go into politics

Edinburghlass_2

roysal wrote: »

Nat West have just filed a defence even though they sent letter making offer AFTER we had file MCOL. Had the acknowledgment though so here we go.
Question - I keep hearing on various posts that you must make sure the paperwork if correct if you go to court, and referrals to the "court bundle". What is the "court bundle" and what does it consist of?

Have looked on this site but can't for the life of me find it, also heard reference to finding it on Consumer Action site, but still I haven't come across it. Any help would be appreciated.

You'll find a thread here regarding Court Bundle but don't stress about this until such times as you actually have a date to attend court.

http://forums.moneysavingexpert.com/showthread.html?t=405277

You'll find other threads linked in the Reclaim Help Thread for what may happen at this point, guide to Allocation Questionnaire etc.

cuddly1

Edinburghlass....hope your still on line hen. Hope you can help. I know that there is another peson on here with same question as they posted it earlier this morning. Sent 2nd letter requesting refund of charges, thier 14 days are up on friday. Recieved a letter from them today saying " sorry Im not happy with charges and basically they have investigated my complaint and the charges were justified and that they are declining my complaint".

1. Does this mean I cant re-claim back my charges or is this a standard fobbing off letter ?

2. Do I ignore letter and continue to send the court action letter from this website ?

Any help would be very much appreciated hen, thank you xx

Edinburghlass_2

Sorry I haven't got back to those questions but the answer for you is yes send the letter and give them 14 days to reply and then if you are no further forward after the 14 days, in your case we'll look at going through the Financial Ombudsman.

cuddly1

Many, many thanks hen, I know your very busy with this site ( and finding time for yourself at home....) but your time is very much appreciated by myself and others here, so many thanks again honey. Can I ask you though, you said in my case if there is no reply after 14 days we will go through the Financial Ombudsman, why is this hen ?? Is this letter different from what other re- claimers have had ?? Sorry.

Edinburghlass_2

No different but as you are claiming in Scotland the claim limit for going via the courts is £750/1500 but the Financial Ombudsman will take on your case and recover the full amount with no court costs.

cuddly1

Thank you again hen.........sending big hugs to you.....to be honest, very nervous about going to court. My claim is £746 and think I was hoping they might settle outwith courts, fingers crossed anyway, but a BIG THANK YOU, take care, thanks for being there and helping put my mnd at ease !!!! xx

wgrcr

Hello Dont No If Doing This In Wright Place Soz If Not ...

Sent Away For Bank Statements From Norwich&peterborough Got Statements Through And Calculted They Owed Me £2106 Sent Letter Requesting The Charges Back And Today Received A Letter With Cheque For £42 Which Works Out About 2%.... Think This Is Totally Insulting Has Any1 Got A Clue Why Its So Low And Whats A Decent Amount I Should Expect To Get Back....


Would Be Greatfull For Any Comments

IZZY01

Hi Edinburghlass, as you will see from my earlier posts, I intend going through the FOS. Do I need to give the bank the 8 weeks, before I contact the FOS again? Just want to make sure, and not keep annoying the FOS. Must keep on their good side!!!! thanks, IZZY