Adding new charges (merged)

MatthewLondon

In mid march I sent my bank (Abbey) the first letter, telling them I wanted £400 back of them and I'd take them to court if they didn't pay. But I got distracted whilst setting up a parachute account and didn't send in the second letter - I couldn't be bothered to continue it. Now a new bank statement has come in and they have charged me £295 worth of fees (I know... I really messed up my finances - not every direct debit was changed in time :rolleyes: ). Obviously this has annoyed me and I'm going to restart the claiming process.

What I need to know is, a) in the next letter I send, should I mention I've already asked for my money back and that I'm adding another claim to it? Or should I start again and claim for the new amount, without mentioning the previous letter? Or doesn't it matter since I didn't get very far in the process?
And b) The £295 will be taken out of my account in June, so can I claim for an amount they haven't actually taken yet? I mean by the time I actually get to court, they would have taken the money, but technically?? I don't know?

Any help would be much appreciated

Cheers

Kurt_Hamster

You can ask for as much as you like prior to going to court.

It's only when you get to court that the figures have to stay constant.

Stephen_Leak

It does have to be said that, before you get to the court stage, you really should have done everything you can to prevent any further charges.

MatthewLondon

Stephen_Leak wrote: »

It does have to be said that, before you get to the court stage, you really should have done everything you can to prevent any further charges.

I can cancel or change the direct debits so I shouldn't get any more of those charges, but I might get charged for still being overdrawn at the end of the month - I can't afford to pay them £295 to get my account into plus figures

Will it affect the court's decision if I keep on getting charged?

Kurt_Hamster

MatthewLondon wrote: »

I can cancel or change the direct debits so I shouldn't get any more of those charges, but I might get charged for still being overdrawn at the end of the month - I can't afford to pay them £295 to get my account into plus figures

Will it affect the court's decision if I keep on getting charged?

No. The point of contention is the amount you are being charged, not that you ARE being charged.

piggeh

I have my file all set up on MCOL. I wrote to Nationwide twice regarding some charges on my account, and got the standard reply back each time. Anyway, I was going to put this through at the start of this week, but then find I've been charged some more charges for a couple of returned DDs!

My question is - do I need to send them a letter asking for these charges back as well, or can I just add it to my existing claim?

Stephen_Leak

Add them on. These days, your chances of getting all your charges back in response to a strongly worded letter are as slim as a size zero model. The first two letters are just to show that you have tried to settle the matter, before you escalated it to the courts or Financial Ombudsman.

However, if you are reclaiming charges, you really should do everything possible to avoid being charged in future.

deb54

hi,
this happened to me i was about to do mcol and i was charged a further £30 x2 = £60! so ive added it on. hope u get ur money back goodluck. ive sent mine off and im just waiting now
deb54

Tiffney

:j Hello

Please could someone advise if I can add charges on or I have to start a whole new claim for that? Im about to put my partners through but he got a £330 charge last week - can I add it on?

penny.pincher_6

Hi!

When sending letter number three (threatening court action) do I need to stick to my original ammount, or is it possible to add on yet another £90 worth of charges that hae been added in the past week?

Thanks in advance!

Tiffney

Please could anyone help:o