bank charges could someone help me deal with these responses

[thomp1983]

ok hoping for some sound advice here, firstly the facts,

account 1, halifax current account, closed, after going through old statements total charges add up to around £640, sent template letter from here first, they wrote back saying they'd only refund £80, refused this, rang them they've now offered £250 but say they can't offer anymore and if i want the rest go to financial ombundsman, is this correct or are they hoping ill accept the £250 and forego the hassle? shoud i know write to the financial ombundsman or just file on moneyclaim?

account 2, halifax credit card, closed, total charges come to around £400, sent same letter, they refuse refund as they are aware of OFT ruling but insist it only says charges are unfair not unlawful? they say go to financial ombundsman but they'll win as charges are a result of me running the account poorly, again i think there just fobbing me off so as above write to FO or just file with moneyclaim?

account 3, barclays current account, closed, this one annoys me, they owe around £400, have written them first letter, no response in 3 weeks, rang them they claim to have sent to letters acknowledging receipt of letter and a further one saying there looking into it furthur, have received neither letter and it's at same address since account opened, but magically i still get advertising stuff from them. ring them again they just pass me around departments. do i still pursue them, write to FO or go with moneyclaim?

account 3, firstdirect current account, wrote to them with letter requesting refund, they did this, became unemployed missed a cheque payment got another charge, requested refund they granted this but closed my account which is a shame as i liked the account. are they entitled to do this over my enforcing of my rights as they were quite pushy about me reclaiming charges and threatened to close it after claiming first charges if i went od again.

account 4, capital one credit card, wrote letter requesting refund of £160, they wrote back and refunded £40, wrote back saying not acceptable so they refunded another £40, but now refuse to do anymore saying write to FO ombundsman for other £80, again do i write to FO or go with moneyclaim?

account 5, lloyds tsb current account (girlfriends student account). wrote letter requesting refund of about £100, they refused as she agreed to contract, wrote back saying they agreed to conduct it in lawful manner they haven'tetc. they still refused and said go to FO, again go to them or go with moneyclaim? issue here is girlfriend has large overdraft so doesn't want to end up in similer situation as my firstdirect account

sorry for the long post but i could do with some advice on each of these accounts to get some results

cheers
chris

[solidstan1]

You should start threads in the banks section. One for each case, and you WILL recieve help on all of them.
http://www.consumeractiongroup.co.uk/forum/

A few quick tips.

They will try to fob you off.
Follow the step by step. http://www.consumeractiongroup.co.uk...tructions.html
Stick to YOUR time table.
Go all the way!

[Karnevil]

I agree start a thread on each forum applicable... different banks work in different ways...

for now though


1) YES - file with moneyclaim if the LBA time is up

2) YES - file with moneyclaim if the LBA time is up

3) YES - file with moneyclaim if the LBA time is up

3again) Dont know what the question is.... youve had a refund twice and they have close your account ?

4) So long as the refunds weren't attached to any terms then yes, file with moneyclaim if the LBA time is up

5) YES - file with moneyclaim if the LBA time is up - they will use it to pay some of the overdraft of I expect - if they close the account they'll have to negotiate repayment terms with you.

But honestly if you put each question in each forum you'll probably get a lot more in depth help.

[thomp1983]

question 3, basically they've spat there dummy out as i had the nerve to argue with them about the charges so they've closed my account in retaliation, basically is it legally fair for them to do this?

also i have agreed a repayment schedule for outstanding debts with them, will this be shown on my credit record?

chris

[Karnevil]

no its not really fair but its their bank - they do have to give you notice though.

shouldnt show on your credit record unless you have been defaulted by them.

[thomp1983]

hi, just on writing some lba's to my banks, could someone explain this line in the draft letter, If you do not comply fully within 14 days then I shall begin a claim against you for the full amount plus interest plus a claim under ss.7 and 13 of the Data Protection Act 1998 plus my costs and without further notice.

also where do i add in claiming the cost of the £10 for requesting Data Protection Act disclosure?

cheers
chris

[Karnevil]

hiya

ignore me brain not turned on today ! Think its the heat - THANKS BARRACAD !

also where do i add in claiming the cost of the £10 for requesting Data Protection Act

this bit covers it for now...

plus my costs

[barracad]

Originally Posted by thomp1983

plus a claim under ss.7 and 13 of the Data Protection Act 1998

You should only include this sentence if you intend to make a claim due to breach of the Data Protection Act. As you are asking the question about what it means, I assume this does not apply to you so please leave it out of the letter.