Reclaim Unfair Bank Charges article discussion Part II

LozBingley

jayneg wrote: »

Hi Loz

thanks for getting back to me. Just tried to clickon your name and it said you had chosen not to accept private email and therefore couldnt get through. Do I use the calculation you have provided on your message? I calculated interest on claim up to 31 Jan but nothing since then. Also I have further 300 charges since 31 Jan - not sure how to calculate the interest on these. Do you know anything about a "wasted costs order" I have heard them mentioned but have not done anything about costs on my claim. I have to have these in 14 days before hearing which is 4 July so I want to get the bundles out Thursday this week at latest. REALLY appreciate any help JayneG

The same calculation applies to your new charges too it is just the daily calculation on 8% p.a.

Calculation is 0.021% per day (or 8% per annum)
ie total claim before interest x number of days from claim x 0.00021

so thats your new charge x number of days since charge x 0.00021

marieK_4

Hi
I have received a letter from Lloyds/TSb offering to pay me £750 ( This has also been put into my bank account as a good will gesture!). I was originally claiming back £4000 worth of charges. Should I accept this offer? or take it further?
Please help!!
Marie

wonkles

Have been through the whole process on behalf of my fiance. He's owed 3026 quid inc. interest. Have been offered 1613 which we don't want to accept as we really need the money I'm currently logged onto MoneyClaim filling in the e-forms. I have a nagging doubt in my mind about what we're claiming for.

He has a Royalties Gold account with the RBoS and my worry is that some of the charges I've listed in our correspondence to date are monthly charges for the 'extras' he gets with his account. The 'extras' set him back 10 pound per month (I think). Looking back through his statements, there are several months where he has only been charged 10 pounds but then there are months where this charge doesn't appear. e.g. Oct 2003 to March 2004, the only charge per month is 10 pounds, he's then been charged 30 in April, 30 in May, 10 in June, 30 in July, August and September and back to 10 in October.

Surely if this was a charge for 'extras' it would appear in its own right every month?
What should I do? Carry on regardless or should I revise his claim and remove all individual 10 pound charges just in case?

Confused and getting nervous!!! Don't want our case thrown out of court if the bank says we're claiming for things we shouldn't be.

SarahApples

Hi -
I currently have had 3 claims in MoneyClaim On-Line - 2 against Barclays, 1 against Lloyds. All have just entered 'Defended' last friday 1st June. I have not received any paperwork through post as yet.

My question - when should I expect paperwork through the door & when approximately would my court dates be for? 2 weeks or 6 months away!? ( I'm in Newcastle Upon Tyne area).

Thanks for any information, or any of your experiences.

Sarah Apples

PS. I have already received £745 in re-claimed bank charges from Barclays after only 2 letters - why do they not have the same actions for ALL claims? What is their policy?!

geoff1057

Hi MBNA have just filed a defence in my court action against them what happens now ???????

hipisnotmine71

hi all

today I recived some of bank statments others are to follow.with the account im claim i no most of the charges are from the last six months. i got them statments today. so just got to got throught them and do the adding up.

can i claim for card missuse? as didnt no at time that didnt have enough money in bank. so my present i bought for £10 last summer cost me £85 i was mad at time cus i went in bank and had a right old barny with them. i only went about £3 overdrawn,

thanks
Ann
p.s sent my letter to bank nat west on 14 may 07 so didnt think it took to long

Edinburghlass_2

Have a read of the thread about Bank defending...

http://forums.moneysavingexpert.com/showthread.html?t=448149

and check the Reclaim Help Thread, linked in my signature which has the links to the main banks threads for your bank and other user's experiences are there.

Edinburghlass_2

wonkles wrote: »

He has a Royalties Gold account with the RBoS and my worry is that some of the charges I've listed in our correspondence to date are monthly charges for the 'extras' he gets with his account. The 'extras' set him back 10 pound per month (I think). Looking back through his statements, there are several months where he has only been charged 10 pounds but then there are months where this charge doesn't appear. e.g. Oct 2003 to March 2004, the only charge per month is 10 pounds, he's then been charged 30 in April, 30 in May, 10 in June, 30 in July, August and September and back to 10 in October.

Surely if this was a charge for 'extras' it would appear in its own right every month?
What should I do? Carry on regardless or should I revise his claim and remove all individual 10 pound charges just in case?

Confused and getting nervous!!! Don't want our case thrown out of court if the bank says we're claiming for things we shouldn't be.

You need to go back through your claim and take off £10 per month, including those months where it was more, as you can't claim the Royalties charges.

haychee

Hi all

I have filed a small claim against HSBC, they acknowledged my claim and said they would be defending. Ive heard nothing from them and tomorrow is the 28th day. My question is, do i enter request for judgement tomorrow or Saturday or Monday? I obviously want to do it asap so no defence can then be entered and my claim would be complete.

Does anyone know what i should do?

Its worth noting that i recieved an offer from HSBC yesterday for a seperate account and seperate claim (which i have accepted). This other claim was all done on the same timescale it would also be on the 28th day tomorrow, but i have accepted their offer. Do i need to let the court know??

Thankyou in advance

lucyannexxx_2

hiya, i applied for my charges back on 16th may..gave 5 days for it to be issued making it 21st may, on the 29th may abbey awknowledged the claim...they now have 28 days to file a defence. but is it 28 days from the date they awknowledged (29th may) or 28 from when it was issed (21st may)?
sorry i know its confusing!! lol
thats why i need help....thanks
xxx