New here - please help :-(

Frith

P.C is almost up to speed now!

Does anyone know how the court case is going re: claiming back bank charges? I got one lot back but still have a case with HSBC.

Liz

P.S I didn't get the job :-( 40+ people applied and it went to someone who works there already who was looking to increase her hours.

RAS

ACEY

Re the bank charges, they are not frozen if you can claim hardship and I think - I am on benefits and not receiving any thing towards the secured loan that paid the solicor's fees might work.

Why not pop over to the reclaim board and ask for advice on am exemption claim?

Also I think it is a month or so before the decision.

Frith

Do you mean the interest is not frozen from when the case started?

Completely befuddled this afternoon after trying to get a washing machine online! Freecycle no good this time.
Liz

RAS

No

I mean that decisions on all cases were frozen by the banks when the OFT stepped in, apart from those where there this would cause hardship.

Frith

Oh, I had not heard that! Yes, plenty of hardship going on although its not a big claim so I'm not sure whether they would consider a few hundred to make a lot of difference to us long term.

Liz

RAS

Don't ask, don't get. They are not likely to advertsie the option.

head over to the bank claim board and see what they know.

Frith

Just popping in to say all is well, no contact from MCS and I am getting a new solicitor! Apparently I am being taken back to court (he asked the boys to tell me)...

Liz

Frith

Hello, everyone.

I am very annoyed with myself today because my account ran a bit low so the mortgage wasn't paid. So I got a £65 charge from the mortgage company and £30 (or £35?) from my bank for my !!!! up. I've only paid it late once before (in 9 years).

Is there a template letter to send saying £65 is quite steep for paying 3 days late?

Its going to be one of those months, financially, with more payments needed for the boys gymnastics (little son) and beavers (big son) - the only outside activities they do! And the car tax :-S

All OK otherwise, finishing my NVQ at the moment and the new solicitor is ace! It seems she will be very necessary.....

Liz

Frith

To tie up my financial loose ends...... should I be trying to claim for missold PPI with MCS?

and I presume it is better to wait now before continuing with my bank charges claim with HSBC?

Liz

cocalls

ACEY wrote: »

Hello, everyone.

I am very annoyed with myself today because my account ran a bit low so the mortgage wasn't paid. So I got a £65 charge from the mortgage company and £30 (or £35?) from my bank for my !!!! up. I've only paid it late once before (in 9 years).

hi there just give your bank a ring and ask them not to charge you point out that you've only gone paid late once in 9 yrs etc be v insistant. I rang my bank last week and got the 25 quid theyd charged for goin o/d you dont sk you dont get!