What happens now from 24/4

boy1der

I'm a bit oblivious too, just heard on the radio about the court case (gave a little cheer too:j ). But how long do i have to wait before i hear anything or shall i send a followup letter.

Any help is always appreciated.

Bradders7uk

I was wondering if i have to start from scratch?? my claim was going through and all my statments were sent to my bank and they had confirmed they were looking into it, but then its was all put on hold, if everything goes through the courts and we can again reclaim would i have to start all over again or would my bank continue from where i had got too with them to make the claim please help cheers

troupy

On the 18th July 2007 I recieved a `General form of judgment or Order` letter in my favour of a claim of bank charges and then recieved a letter regarding the test case and the stay on the 14th august 2007 but now the test case is over do I write to the bank to re-itterate my claim,send the bailliff`s in or do i have to wait for more legal stuff, it`s yorkshire bank by the way
Cheers troupy

Edinburghlass_2

From Martin's extra email sent out today...

24 April 08. An urgent update on the Bank Charges situation from MoneySavingExpert.com Today (Thurs) a High Court judge confirmed what bank charges campaigners have been arguing for two years, that consumer contract regulations do apply to bank charges meaning that 'fairness' counts. The next step is for the Office of Fair Trading (OFT) to assess whether they are actually unfair but as it's the one who took the banks to court, that seems likely. Then it'll try to reach agreement with the banks, and if not, go back to court.

To use a football analogy, before we were kicking the ball around the middle of the pitch, now we're at the penalty spot...though the judgement's massive and the nitty gritty may throw more up.
What happens next?
On 22 May 2008, there will be a case management meeting; at which point it's possible the banks will put in an appeal. Until then, all cases remain on hold. As explained above, my hope is, not long after that, the regulator will lift the hold on reclaiming that was apparently put in place to 'protect consumers' from inconsistencies.
Yet now the law is clear and binding - bank charges are required to be 'fair' - so hopefully it will soon allow people who think they're legally unfair to reclaim again, after all, the banks are still charging these charges!

If it's on hold, why put in a reclaim now?
Simple, the statute of limitations says you can only claim back six years' worth of charges in England, five in Scotland. The longer you leave it, the less far back your reclaim goes... as many people have had lots of charges stretching back over years, this means if you don't put a claim in sooner, you're less likely to get the old ones back.
Plus hopefully when the FSA ends the waiver on reclaiming, it means you'll be ahead in the queue, and should be dealt with more quickly.
What if my case is already on hold?
We’re still waiting for the FSA to end the waiver; as explained above, my hope is that this should happen in the next couple of months. Until then, sadly, you’ll just have to keep twiddling your thumbs. As always, all news will be included in the weekly email.

Free template letters for you to reclaim: In the step-by-step Bank Charges reclaiming guide.

rharveyuk

Hi All,

Firstly, well done to Martin and team! Undoubtedly has had a major influence on todays result.

Last year I had a claim progressing with the TSB. As a 'good will' gesture they paid £750 into my account. I did not ask for this to happen or acknowledge the gesture, however shortly afterwards the test case began.

The question now is (or once the path is clear for claims to proceed), can I continue to progress my claim as before? for the full amount I have been reclaiming?
I still believe these were unlawful and there is still almost £2000 that I did not receive.

Would appreciate your thoughts and comments.

R

Ephemera

What have you got to gain by continuing? What is there to lose?
If there is money outstanding and it was unlawfully taken, go for it!

j100_2

Hi there people.
I recently tried to reclaim my bank charges. I sent off a cheque for a tenner asking for my charge sheet and i got back only a about 2 years worth of bank statements. The letter said that as there were alot of pages they were being sent in different envelopes. But all i got was a few sheets from 2002 and a few from 2003. Then the court case came around and i stupidly didn t follow it up as was waiting for a verdict.

Now that the verdict is looking good i ve got a couple of questions to ask people.
How far back can I claim my charges? I heard 6 years.

Is the fact that i have asked the bank for my bank statements but never received anything like a comprehensive breakdown of my charges enough for me to still be claiming from my original date of contact with them? Or will it only ever go from the date of the request for the money back?
I m asking as i know that around 2001 i had quite a few bank problems and was charged alot of money. I managed to sort that out so that by the end of 2002 my account was ok.
I also know there was another time that i was regularly charged by the bank to the extent that my account was closed but i never recieved info about this time in my original request either.
This is Lloyds btw.
Anyway. Any advice people can give would be really appreciated.
<o:p> </o:p>

Knackered

We don't know if we can claim any charges back yet. You will have to wait and see.

Steve_23

Hi Guys
Hope your all well.

Last year I started to reclaim my bank charges from Abbey. Abbey were taking nearly £140 a month in charges, of leaving me short to pay the current months bills. The usual story.
Well I went through all the right procedures. They refunded probably a half of it. I didnt know what to do next, as I know people from this site managed to persist to get all of it back. I left it till now because to be honest I was happy with the half result, until now (with the good news from the courts). The last 4 months its happend again but worst, ive been getting charged £200 a month in charges on average. Due to redundancy and poor money management.
I was just wondering if because I didnt persist in the past and left it, can I still start reclaiming again for the rest of the bank charges and if so how?


Steve

goolip

I wrote initially to Barclays a long time before the cases were suspended, I left it a month then wrote again but never received the courtesy of a reply. When I write again today should I enclose copies of those letters as obviously time has gone by and I dont want to jeopardise reclaimining charges which may now be past the 6 year timeline?

Many thanks for your help,


Lizzie