Claiming on a Business account? Lets join forces?

[M Levesley]

Hi all,

I've got my own Ltd company and I am thinking of claiming for charges from the banks does any know what letters to send and wahts the difference between ltd and personal claiming techniques. To me the Ltd is like an individual and as directors we have to act for the company's best interest, so claiming seems logical.
Has anyone so far taken on the "bankers"???!!!

[photoman]

Originally Posted by M Levesley

Hi all,

I've got my own Ltd company and I am thinking of claiming for charges from the banks does any know what letters to send and wahts the difference between ltd and personal claiming techniques. To me the Ltd is like an individual and as directors we have to act for the company's best interest, so claiming seems logical.
Has anyone so far taken on the "bankers"???!!!

Take a look here for the specifics to deal with limited companies:

Limited Company Claims

But do continue to subscribe and contribute to this thread also ?

Regards

[nicky1312]

its not a limited company i am a bit stuck reading this over and over think im thick,
i am going to chase £2,009.40 for my partner from the royal bank of scotland it is a business account, im not sure do i add the interest the now or later when it goes to court and where do i find the address to send my letter for business accounts or is it my local bank thanx for any help.

[photoman]

Originally Posted by nicky1312

its not a limited company i am a bit stuck reading this over and over think im thick,
i am going to chase £2,009.40 for my partner from the royal bank of scotland it is a business account, im not sure do i add the interest the now or later when it goes to court and where do i find the address to send my letter for business accounts or is it my local bank thanx for any help.

Nicky
Welcome !!
Looks like your brand new here, so don't just jump in and take action without doing some reading first.

Here's a good starting point.
http://www.consumeractiongroup.c o....se-read-these/

You'll then find all the templates you need here:

http://www.consumeractiongroup.c o....lates-library/

You'll also find this very useful;

Can't Find What You're Looking For? Here's A Complete A-z Index

You'll then need to start your own thread.

You will then get more specific advice to your own case, and be able to keep a track of how it's going by viewing just one thread instead of skirting around lots of threads trying to find your posts and answers.

1/ Go here.
http://www.consumeractiongroup.c o....group-against/

2/ Find your Bank, click on the bold blue name of Bank

3/ Go to the bit that says "Forum tools" and click on it.

4/ Click Subscribe to Forum. It will ask you how often you want to recieve updates ( daily I found is best)

5/ Then it will redirect you once you've subscribed.

6/ then click on "Forum tools" again, and choose "Post new thread"

7/ Give your thread a title eg: "nickyl vs whatever bank", and then make a post.


Good luck !!!!

[louloujs]

Have today received reply from BOS Corporate responding to my ltd company claim for £13700 plus int. Apparently they're going to review our charges and get back to me...

LBA due to be sent on Friday.

A quickie though: I sent the original to BOS Head Office The Mound, Edinburgh (too much of a wimp to send to our Bank Manager in Southampton) and Fountainbridge Edinburgh has replied. Shall I send LBA to The Mound or Fountainbridge (Corporate Customer Care) address?

When it gets to the point (which I'm sure it will) when I need to issue MCOL claim I will use the Halifax address - which worked superbly with the personal account claim.

But, don't want to have any setbacks, so thoughts on LBA address would be welcomed.

(Do I need my own thread for this claim? Worrying about losing the valuable advice i'm getting here!)

Lou

[photoman]

Originally Posted by louloujs

Have today received reply from BOS Corporate responding to my ltd company claim for £13700 plus int. Apparently they're going to review our charges and get back to me...

LBA due to be sent on Friday.

A quickie though: I sent the original to BOS Head Office The Mound, Edinburgh (too much of a wimp to send to our Bank Manager in Southampton) and Fountainbridge Edinburgh has replied. Shall I send LBA to The Mound or Fountainbridge (Corporate Customer Care) address?

When it gets to the point (which I'm sure it will) when I need to issue MCOL claim I will use the Halifax address - which worked superbly with the personal account claim.

But, don't want to have any setbacks, so thoughts on LBA address would be welcomed.

It is common practice on this site for the avoidance of all doubt to adress and send all correspondance to the registered Head office. You can get this from the BOS Forum, or similar threads. Any correspondance sent thus will be re-directed if necessary. In any case that is the address you put on your claim form.

(Do I need my own thread for this claim? Worrying about losing the valuable advice i'm getting here!)

Don't worry about losing the advice here. Now you have posted you are subscribed, and as such you will always get notified of any updates on your user CP (and or emails). You really should start your own thread (if not sure how to, I think I posted advice on that in an earlier post on this thread, otherwise I'll post it again here). The benefits of having your own thread are that you will be able to keep a better track of your own claim without it getteing all mixed up in this and other threads (and also this thread doesn't get all cluttered). Once you have a thread started then you can post a link to it on this thread, and ask people to visit it whenever you want specific help or advice on something.

Lou

Good luck with your claim !!

[photoman]

HOW TO START YOUR OWN THREAD:

You get more specific advice to your own case, and be able to keep a track of how it's going by viewing just one thread instead of skirting around lots of threads trying to find your posts and answers.

1/ Go here.
http://www.consumeractiongroup.c o....group-against/

2/ Find your Bank, click on the bold blue name of Bank

3/ Go to the bit that says "Forum tools" and click on it.

4/ Click Subscribe to Forum. It will ask you how often you want to recieve updates ( daily I found is best)

5/ Then it will redirect you once you've subscribed.

6/ then click on "Forum tools" again, and choose "Post new thread"

7/ Give your thread a title eg: "yourname vs whatever bank", and then make a post.

8/ Then go to the bit at the top of your browser ( the bit that says http etc), and right click your mouse, choose copy, then come back here and post a new reply, and right click you mouse and choose paste to put a link to your thread in there.

9 Then hopefully people will visit and psot/subscribe etc.

[M Levesley]

Just had an offer from Lloyds TSB for a company account for £2005.31 was cliaming £3161.77. Started court proceedings they defended saying usual and Consumer Act not applicable etc. Filled in my allocation questionnaire and the offer can this morning out of the blue.

I am going to accept the offer since some of the charges applied to the account do not state what they are for so the courts if it went that far might rule against me for not accepting the reasonable offer.

Still its a win for a little effort I will let you know when and if the cheque arrives since I shut that account down two years ago, lets hope its not a rubber one!!

Many Thanks, I will keep you all posted

[andrew1]

Originally Posted by M Levesley

Just had an offer from Lloyds TSB for a company account for £2005.31 was cliaming £3161.77. Started court proceedings they defended saying usual and Consumer Act not applicable etc. Filled in my allocation questionnaire and the offer can this morning out of the blue.

I am going to accept the offer since some of the charges applied to the account do not state what they are for so the courts if it went that far might rule against me for not accepting the reasonable offer.

Still its a win for a little effort I will let you know when and if the cheque arrives since I shut that account down two years ago, lets hope its not a rubber one!!

Many Thanks, I will keep you all posted

Hey that's brilliant, well done. I wonder if you can tell us here what the status of the company was when the account was closed? Liquidated, dissolved with no creditors or what. we have a thread going on Limited Companies and numerous people are asking about closed ore dissolved accounts.. your input would be much appreciated. If you prefer to PM the answer feel free. It will help with other claims.

[judi3]

LEVENSLEY

It your money , they offered me no intrest at the same stage
reply stating thank you and you accept you as part payment they will not go to court its up to them to dispute the total .
£1100 is better in your pocket and it will cost them more in legal fees to argue .
They will pay i almost went crazy after rejecting 3500 but with 10 days they agreed THE FULL AMOUNT .

defended saying usual and Consumer Act not applicable etc
THEN WHY ARE THEY GIVING YOU SOME MONEY?

[andrew1]

Originally Posted by judi3

LEVENSLEY

It your money , they offered me no intrest at the same stage
reply stating thank you and you accept you as part payment they will not go to court its up to them to dispute the total .
£1100 is better in your pocket and it will cost them more in legal fees to argue .
They will pay i almost went crazy after rejecting 3500 but with 10 days they agreed THE FULL AMOUNT .

defended saying usual and Consumer Act not applicable etc
THEN WHY ARE THEY GIVING YOU SOME MONEY?

It's not quite the same for Limited Companies. Consumer Credit Act does not apply.

[ppauls150]

Excellant thread people. I agree there should be a dedicated section with regards to just business accounts set away from the personal accounts section under each heading. I have already claimed a large propotion back from the banks and credit card companies everyone of them caving in to my demands as i wouldnt back down. Now i am looking at claiming back on a business account and have done some research but wanted to clarify some things with anyone who can clear it up, or might even be of help or throw up a debate about things.

Firstly with regards to Overdraft setup fees from the bank manager. It is said that you cannot claim these back as this is an actual service yes? ok so the question on this is why? When an overdraft facility is setup for a business account what is the difference in setting one up as oppose to setting one up on a business account? You dont get charged a fee on a personal account. Also why is the Fee they charge for setting up an overdraft for a business account vary in the ammount that they take for setting it up? What difference does it make if they setup a £100 overdraft or a £1000 overdraft why should the fee be different?

P.S can anyone please tell me where has my signitures dissapeared to :o i had all my claims listed there and links..

[andrew1]

If you don't mind ppauls150 I'm going to copy and paste this question onto the Limited company thread because it is a common problem and your are right, why should there be a difference..

[scott150663]

hi everyone
i ve reiceved corbetts AQ today can someone confirm what the following means and do i need to reply to corbetts?????


case management directions cannot be proposed until the claimant serves a reply to the request for further infomation which was due on 19th March 2007. In light of this, the defendant may amend its defence or apply to strike out.

im assuming they are refering to cpr request which i refused to answer and sent them a letter from the template section explaining my reasons..

Just for anyone who is claiming more than £5000 My claim is for £37000 and corbetts are requesting fast track and are asking the court to allow 3 hours for the case to be heard....

is this common what will happen next

thanks for any replies

scott