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Bank Charges

Discussion in 'General Discussion' started by Craig_M, Jan 31, 2007.

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  1. Shortee

    Shortee back of the net

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    I sent a letter to Halifax informing them Id be taking court action, I had a reply yesterday saying they will respond by 16th June. Im owed approx 700quid from Halifax, Iv already received just under 900 from Barclays.
    Shortee, May 16, 2007
    #81
  2. Lee

    Lee original gowans artwork

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    arent ya mar and dar with clays? we divent charge ya if your wanting to get 6 year worth of statements from us
    Lee, May 16, 2007
    #82
  3. Phily

    Phily Registered User

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    I got 3,516 squids back from Natwest. FYI always send EVERYTHING registered post. It's far to easy for a letter to be 'lost' follow up letters with phonecalls and ask they be documented to their account.
    Phily, May 17, 2007
    #83
  4. Craig_M

    Craig_M Registered User

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    Started doing my credit cards now, Natwest have offered me the difference between £12 and the charge (ie £8 back for a £20 charge). I think its because the courts ruled that theyre allowed to charge £12? They did offer me it straight away when I asked for the statements tho, dunno wether to try push them further or not.
    Craig_M, Jul 10, 2007
    #84
  5. BRID

    BRID Has name in red. Staff

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    I finally sent off my letter and cheque yesterday .... people need to do it ASAP though cause i think its going to be legislated about soon so the chances of getting a refund for the full amount might be changed.

    ..... i shudder to think about all the charges ive racked up in the past 4-5 years - must have been at least 100 odd quid a year from dipping over overdrafts and stuff.

    Fingers crossed.
    BRID, Jul 10, 2007
    #85
  6. andy_rocks

    andy_rocks Registered User

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    I've just applied for a judgement by default against the Halifax. If they don't pay up then I'm going to send in the bailiffs :D

    Letter before action to Barclaycard on Friday.
    andy_rocks, Jul 10, 2007
    #86
  7. SmurfGGM

    SmurfGGM Registered User

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    What can you claim back from your credit card company's like ?
    SmurfGGM, Jul 10, 2007
    #87
  8. andy_rocks

    andy_rocks Registered User

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    All your charges over the past 6 years with interest.
    andy_rocks, Jul 10, 2007
    #88
  9. Oasis

    Oasis Peter North-east

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    'Bank charges' has got to be the number one thread title.
    Oasis, Jul 10, 2007
    #89
  10. Shortee

    Shortee back of the net

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    How do you do that? I just got letter off Halifax saying they will not be paing back my charges :( That was the court letter too.

    Dont know what to do as next step, Barclays paid up before I even sent the court letter
    Shortee, Jul 10, 2007
    #90
  11. Fa Kin Su Pah

    Fa Kin Su Pah Registered User

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    read up on it here, plenty of people with advice to give in the same situ as you

    Consumer Action
    Fa Kin Su Pah, Jul 11, 2007
    #91
  12. andy_rocks

    andy_rocks Registered User

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    Read the guide on consumeractiongroup from start to finish.

    Your next step is to file it with the court - you can print the forms off online and it takes about 10 minutes. Everything you need to write is on that website.

    You then send it off to the court, and they serve papers on the Halifax who have 2 weeks to reply. If they don't (and they often don't) then you apply for judgement by default. All you do for this is fill in the form the court send you and send it back saying that they haven't replied.

    Once I have this, which should arrive in the next week or so, then I'll write to them giving them a week to pay up. If they don't, then I apply for a warrant of execution, which sends the bailiffs in.

    Don't settle at any point for less than the full amount of charges, and don't be afraid of the court process. The most you could possibly lose is the £30 court fee, and that's vanishingly unlikely.
    andy_rocks, Jul 11, 2007
    #92
  13. Smog

    Smog Registered User

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    Just had a letter saying lloyds are gonna pay my charges totalling £485 into my account.

    RESULT! Just in time for my trip to the Dam n all :chill:
    Smog, Aug 10, 2007
    #93
  14. Natalie

    Natalie Registered User

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    You're lucky, they have frozen all claims due to going to court over it all to see whether they are actually illegal charges!
    Natalie, Aug 11, 2007
    #94
  15. Smog

    Smog Registered User

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    Aye I know, thats why im really surprised. I thought they'd have least waited for the test case result. I'm not gonna complain though! :D
    Smog, Aug 11, 2007
    #95
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