What happens now from 24/4

Savermidget

Hi there,
The first step with sample letter one is not the only step before going to court.
They will probably say no at least 50% of the time to the first letter but then you send the next letter that is on the template letters of the reclaiming. If they still say no, you can then go to the Financial Ombudsmun which is also completely free.
Court is the absolute last step and in most cases, completely unnecessary. Have another look at the reclaiming page and start over and see what happens.
It can only cost the price of 3 stamps and is worth starting again or maybe start from the second letter depending on how long ago you had your last reply.
If they previously said no to the 1st letter and you didn't respond then depending on how long ago this was the bank may have closed your complaint by now so you certainly wouldn't be "pending" in their eyes.
Hope this helps and makes sense.

Racheleden

What should i do if my bank charges were rejected by the bank after i had paid my court fee and the bank rejected my claim?

Do i need to start all over again?

tobinuk

We both need answers here...help

Orford

The court case was merely to determine if the charges were covered by the Unfair Terms in Consumer Contracts Regulation 1999. The judge ruled that they were.
But no ruling was made as to whether bank charges are actually fair or unfair

The banks are digesting the judgment and could decide to appeal. If they do, it could be many months before the appeal is heard.
Even if they accept today's ruling, this is only the first stage in the legal process. Next, there is likely to be a second court hearing to decide what level of charges is fair.
A Case Management Conference has been set for May 22 in which the timetable for further proceedings will be established.

Edinburghlass_2

In view of todays announcement and the resultant posts I've moved a few threads into this one and hopefully a few questions can be answered in the next couple of days and keep checking on Martin's articles regarding this.

e_munky

So if the judge rules that eg. £12 is fair does that mean all of starting fresh claims will receive less back? That seems unfair as most of my £35 fines where because of the initial fine and constantly playing catchup trying to pay it off

maxwell-bella

I Was Wondering If Anyone Knows How Long Until The Courts Contact All Claimants (like Myself) With Regards To The "stay" On Our Cases.

ludevotie

Hi,

I have just heard that we have won the case against the banks! I was in the middle of claiming last july when it all came to a stand still. What happens now - do i carry on with the claim or wait for the bank to contact me, as they said they would?

Orford

Not until May 22nd at the very earliest, when there is a Case management Conference, and later still if the banks appeal
From the FSA today:

The OFT and the banks will need to review the judgment and decide if they want to appeal. Also, the court has so far only looked at the preliminary legal issues. It has not begun to consider more substantive issues around whether the charges are actually fair and/or lawful. For now, firms can continue to keep cases on hold under the terms of the FSA waiver (PDF).

ludevotie

Hi,

I was in the middle of claiming my charges last july when it all came to a standstill for reclaiming bank charges - what do i do now - do i wait to hear from the bank?:j