Reclaim Unfair Bank Charges article discussion Part II

Rise_Sir_Axl_Rose

nick1234 wrote: »

i understand that sometimes things happen and u gota deal with it but at the end of the day its ur finances and your responsibility. Im not saying the level of charges are fair, but to save yourself the hassle in the first place when u know they exist you should be more careful, however i dont know everyones personal situation so cannt make assumptions.

Other peoples taxes?? Unlike you guys who are trying to get yourself out of debt by demanding the banks ( and why is a private company who provides jobs etc less imp than a public body like govt?) give you money back i have to pay it off upon graduation abeit int free and then pay taxes to pay for a maj of u guys on benefits...wonder if i could claim the govt has applied an unlaw charge on me :rolleyes:

Must be great being perfect!
Can you say the word "!!!!" on this site - Please, someone let me know?

edit -- Obviously not

Edinburghlass_2

elliott1982 wrote: »

hi,agnes.
well i got a letter through the door the nxt day ,sayin my judgement had been refused.then 2day i have recieved a letter stating
"His honour judge grenfell sitting at the court house1 oxford row leeds,considered the papers in the case and

1) the claim is transfered to the MERCANTILE COURT,leeds district registry

2)the claim is reserved for all purposes to his honour judge kaye QC.

3)because the order has been made by the court without considering representations from the parties,the parties have the right to apply to have the order set aside,varied or stayed.a party wishing to make an application must send or deliver the application to the court(together with any appropriate fee) to arrive within 7 days of service of this order!

what does this mean edingboroughlass?
any help????

Basically it means the local court is busy and they want the bank to sort it out without it going to a court date.

http://forums.moneysavingexpert.com/showthread.html?t=402326

princekaij

Hi all was wondering if sum1 could advise me with the following issue.
I received an offer from the bank which i am declining

ive been given me a reason as to why they wont pay some of the charges so what im thinking of doing is sending a new breakdown of charges excluding the charges which they say they wont pay

i just wanted to make sure that the exclusions that they are reffering to are valid and cant be claimed back or if they just dont want to pay them.so here they are.

they write: yr breakdown in charges includes an amount of £50 on 18 nov.this amount has been deducted because it is a reversal charge that we do not refund.(is this right?)

Also they write we have deducted charges totalling £58 from your claim as these have previously been refunded to your account(but i have been through my statement a thousand times and cant see where they have been refunded.

do you think i should still persue with these to charges or should i remove them from my breakdown.All help would be appreciated.

stephendelaney

nick1234 wrote: »

omg are u guys stupid or something, how do u incur charges so much, dont u realise u have to pay money back or will be charged? iv got fined 25 and thought it was a big deal but reading this..

Got our letter today with an offer of £2636:-). So yes we are very stupid.Yes we overspend but hey thanks to martin and the good people on this site we are now booking our first summer holiday in years.
I did nt think it would come off but it has.Going to carry on overspending and people like you will continue to pay me my charges back with the banks help:rotfl:
As long as there are people like you nick who think it is ok to be charged so much then us that dont will continue to win:T
Thank you too everyone who thinks its wrong.
And thank you to everyone who thinks its not.(keep payin and not claiming fools)

PhillipH

Hi everyone,

I'm taking on Abbey for £590, interest of £69 plus court fee and have been sent a notice of hearing for 23rd July. With that was also a 'general Form of Judgment or Order' which says this:

It is ordered that:
1. The claim be allocated to the small claims track.
2. The claim be listed for further directions only at preliminary hearing on 23 July (time estimated 5 mins).
3. At this hearing the court will consider either;
a) to stay the claim pending a decision in a test case involving the defendant or
b) to give directions for this claim to be heard as a test case, and if necessary to reallocate the claim to the multi track for that purpose.

It then goes on to say the defendant not less than 14 days from the hearing has to file details of any cases proceeding as a test case, or can draft directions for this case to proceed as a test case.

Now as you can probably imagine I am worried sick about this as it's not the straight forward case I was expecting. No doubt the judge is sick of all these claims against banks so is looking to sort it out once and for all.

Am I worrying over nothing?

Regards,

Phillip

Kurt_Hamster

the_wildfowler wrote: »

hi all, ive just joined the site and intend to reclaim bank charges from lloyds tsb, i will set up parachute accounts with another bank prior to starting my claim, my question is will lloyds demand immediate repayment of my credit card if they close all my current and savings accounts, sorry if this question has been asked a hundred times before but i searched all the FAQ links i could find and didnt see it mentioned. thanks anyone that answers

If you haven't breached the terms of your credit agreement, then they can't either. Closing your credit card loan would be breaching the agreement.

Kurt_Hamster

PhillipH wrote: »

Hi everyone,

I'm taking on Abbey for £590, interest of £69 plus court fee and have been sent a notice of hearing for 23rd July. With that was also a 'general Form of Judgment or Order' which says this:

It is ordered that:
1. The claim be allocated to the small claims track.

Yup, that's what you want... saves you having to fill out the AQ too.

2. The claim be listed for further directions only at preliminary hearing on 23 July (time estimated 5 mins).

Have a look on the CAG website for draft direction templates.

Basically the judge is suggesting a meeting where you and the bank can slug it out for 5 mins, he said, she said sort of thing. The chances are the bank won't show up and you'll get a default judgement. Just make sure you've done your homework and that you show up for the meeting.

3. At this hearing the court will consider either;
a) to stay the claim pending a decision in a test case involving the defendant or

In his dreams. The banks are doing their utmost to make sure there are no test cases.

b) to give directions for this claim to be heard as a test case, and if necessary to reallocate the claim to the multi track for that purpose.

Now that's a bit naughty, and you should start doing some homework on how to complain that your claim does not warrant a multitrack.

Actually though, I think that it is the bank the judge is threatening, not you. Like I said the banks don't want to go to court. He's forcing their hand to put up or shut up.

It then goes on to say the defendant not less than 14 days from the hearing has to file details of any cases proceeding as a test case, or can draft directions for this case to proceed as a test case.

Yup, he's definitely giving the bank a hard time. It looks like this judge may be on your side.

Now as you can probably imagine I am worried sick about this as it's not the straight forward case I was expecting. No doubt the judge is sick of all these claims against banks so is looking to sort it out once and for all.

Am I worrying over nothing?

Regards,

Phillip

Well admittedly it isn't as simple and straight-forward as we would have liked, but what the judge is actually doing is putting the fear of God into the defence. I honestly think you can expect a settlement before 23rd July. The bank will NOT like what the judge is asking.

beckied

the_wildfowler wrote: »

hi all, ive just joined the site and intend to reclaim bank charges from lloyds tsb, i will set up parachute accounts with another bank prior to starting my claim, my question is will lloyds demand immediate repayment of my credit card if they close all my current and savings accounts, sorry if this question has been asked a hundred times before but i searched all the FAQ links i could find and didnt see it mentioned. thanks anyone that answers

Hi i dont really no about credit cards but when i applied for my bank charges they stopped my overdraft shortly after just be aware !!

ally1d

sparky080703 wrote: »

Did you ring your local branch or did you ring the Data Protection Manager? If it was the D.P.M. can you pass on the number please

Thanks Sparky

i found the numbers on the halifax website, and found these

halifax bank accounts 08457 20 30 40
halifax credit card 08457 28 38 48
all halifax products enquireies 00441133 809 574
customer relation 08457 25 35 19

halifax plc
customer relations
po box 548
leeds
ls1 1wu

fax 08451 28 13 85

i phoned these and they were quite helpful and said they would sort out my request straight away, i made a point of being particually polite and nice too as can`t hurt!!
but maybe this will be more delaying tactic

GSD_2

I am also playing a waiting game under the same circumstances but with Lloyds.
Filed with MCOL, Lloyds defended, had notice from Northampton saying that they had defended the whole claim and that there was no need to complete AQ.

That was weeks ago and still heard nothing from the local Court.

Are the Courts just waiting until they have a reasonable number of cases to spend the whole day on these cases now before they allocate hearing dates?

Could I ask for some advice at this point also? Should I be repeatedly informing the bank of the updated interest as this drags on or do I just hit them with the full figure at the hearing date?