Bank Charges Success Stories II

natweststaffmember

sammibabes wrote: »

Cheque was cashed on 17 September. I didnt send it recorded delivery, just regular post. Can my current bank tell me who cashed the cheque?? Just so I know it was actually HBOS?

That is a good idea and worth checking where it was paid to. If it was HBOS then they need to come up with the data.

vonners

Any information as to what is happening in the court regarding the bank charges?

natweststaffmember

vonners wrote: »

Any information as to what is happening in the court regarding the bank charges?

We are currently awaiting whether Bank Charges can be assessed for fairness. The post here on Legal Beagles probably sums it up pretty much. http://www.legalbeagles.info/forums/showpost.php?p=132030&postcount=502

lorraine23

Hi,
I have been writting and e-mailing the Bank re- my charges sice the 21st of Aug 09. I claimed financial harship, completed the financial statment sent to me by Abbey ans the returned a letter to say taht my calim is on hold.

However I claimed hardship so doesnt that mean that Abbey have to look at my calim? Can someone give me advice as my housing Association will be taking me to court over my rent arears.

Thanks

natweststaffmember

lorraine23 wrote: »

Hi,
I have been writting and e-mailing the Bank re- my charges sice the 21st of Aug 09. I claimed financial harship, completed the financial statment sent to me by Abbey ans the returned a letter to say taht my calim is on hold.

However I claimed hardship so doesnt that mean that Abbey have to look at my calim? Can someone give me advice as my housing Association will be taking me to court over my rent arears.

Thanks

Is the notice of their intention to take you to court been received since you started reclaiming?
I am assuming you tick the box on account still being used? Still receiving charges? and priority debt arrears(rent, council tax(?) utilities(?) )?

lorraine23

No, the letter they sent was to let me know that they are keeping my complaint on hold until the test case is over. They did say that they wll stop charges but I am still incuring interest.

This is eveb though they know that I have claimed Financial hardship. The account is open and it is priority debt i.e. rent arreas.

What shall i do.

natweststaffmember

lorraine23 wrote: »

No, the letter they sent was to let me know that they are keeping my complaint on hold until the test case is over. They did say that they wll stop charges but I am still incuring interest.

This is eveb though they know that I have claimed Financial hardship. The account is open and it is priority debt i.e. rent arreas.

What shall i do.

Do you use it as your main account?

lorraine23

No this is not my main account.

But that shouldn't matter should it?

natweststaffmember

lorraine23 wrote: »

No this is not my main account.

But that shouldn't matter should it?

It does if the charges are not causing the financial hardship. Your main account ie the account you use for day to day spending does count(exception perhaps would be if the account is with the same bank).

lorraine23

Well I hope It doesnt count. There are many people in this forum that have received their bank charges back that have closed accounts.

I had to move my money because I kept going over drawn (by a few pennies) and because of this I would be charged. Due to the fact That I couldn't pay back I was charged for that to. It was like a cycle. it was affect my outgoings and I couldn't pay my creditors so I had no choice but to move my money else where.