Bank Charges OFT Test Case Discussion

martinb24

hi
i recently put a claim in to my bank for bank charges back in march. went through the process and they credited my account with half the money giving me two months to accept or decline the offer. they said if they had nt heard within the two months they would asssume that i had declined. just wondering where i stand if the money that was credited has, how do i put it, been spent. can i just pay the money back into the account or will this affect my claim. daft i know. thanks

lindilou39

martinb24 wrote: »

hi
i recently put a claim in to my bank for bank charges back in march. went through the process and they credited my account with half the money giving me two months to accept or decline the offer. they said if they had nt heard within the two months they would asssume that i had declined. just wondering where i stand if the money that was credited has, how do i put it, been spent. can i just pay the money back into the account or will this affect my claim. daft i know. thanks

It wont affect your claim...once they have placed money in your account its yours..if you have never replied then dont worry about it an carry on for the rest of the amount.

Wendy_P

I had a business account, which I have now closed, can I still claim for bank charges on this account even though it is closed??

techspec

Wendy_P wrote: »

I had a business account, which I have now closed, can I still claim for bank charges on this account even though it is closed??

Yes, but it will still be stayed until after the test case.

kazakastan

I have just received a letter from my building society about my very unlawful bank charges , nearly £3,ooo in total !!! they say i now have to get in touch with the financial ombudsmen, how do i do this? incidently they are still charging me £30 a time for being overdrawn !! even though i have asked several times for an overdraft, which they have declined!! would appreciate some sound advice !! thanks

a66y31

kazakastan wrote: »

I have just received a letter from my building society about my very unlawful bank charges , nearly £3,ooo in total !!! they say i now have to get in touch with the financial ombudsmen, how do i do this? incidently they are still charging me £30 a time for being overdrawn !! even though i have asked several times for an overdraft, which they have declined!! would appreciate some sound advice !! thanks

yip northern rcok do the same to me...charge £28 every month ...I cant get an overdraft...also trying to get my charges bk..sent the letter to northern rock...they said they are fair fees BlahBlah..couldnt get anything then just bk in august...we got another letter we are looking into your claim but may take some time after the test case..strange they said I couldnt have anything...and they are still charging me...guess they dont want to loose me as a northern rock customer..think they need all the dosh they can get...:rotfl:

willgleave

this friday i have my court case for reclaiming my bank charges now i know all casses are on hold so why isn't mine, ive spoke to the court an they say that its all still going ahead, why is this an what should i expect this friday.

will<!-- / message -->

holfordstars

The halifax have been taking a few pounds less than they should have been (so they say) for my halifax home insurance- They have sent me a letter stating that the underpaid amount of £123.72 has been added to my mortgage balance- I do believe this amounts to fraudulent practice as it was done BEFORE any notification and is due to their own errors.
AM I RIGHT?

BigBadMerlin

My business bank LTSB have made me a final offer of £00.00 on the £5k claim I put in on the grounds that there charges are fair. Any advise would be appreciated, do I go straight to the courts or contact the financial ombudsman first?:mad:

bubbles_darling

hi every1

little bit worried my court date was on the 9th august but had a letter to say my charges were stayed until further notice blah blah, and did'nt realise i still had to go to court so i did'nt, does any1 no if my claim will be struck out or not shall i phone the county court xx sum advise wud b great help thanks x