Consumer Action Group envelope labels
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Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p
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Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road
London
NW11 7PE
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Are you being threatened over debts more than 6 years old?
This may be unfair
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The Consumer Protection from Unfair Trading Regs 2008 Have you been defaulted?
Would you like to clean up your credit file?
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| | | | | | | Halifax Bank and Bank of Scotland Meet other Halifax Bank customers who have also been faced with excessive unfair bank charges. Exchange encouragement and information about getting your bank charges refunded | Welcome to The Consumer Action Group
and
The Bank Action Group
Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund.
You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed.
To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.
Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges. We strongly suggest that you register under a UserID and not your own name |  | 
5th March 2007, 14:37
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#10 (permalink)
| | Basic Account Customer |  Re: Tom vs. BoS £409 credit card late payment fees
March 18th I believe.
I'm reluctant to ring them because I'd like everything to be documented really. I think I'll wait and hopefully win by default.
The fact that they've already refunded £157 complicates things a tad though. I really wanted to make it clear to them - in writing - that I do not consider the matter closed and want the full amount.
Not having actually done a small claim before (First Direct coughed £2160 on the first letter) I'm not sure whether I can deduct the £157 when I file for judgement on the 18th
EDIT: Having refunded it to my card, I'm sure they can just as easily have it back if the amount claimed on the judgement is not amendable.... i.e., they pay me the full amount and then take the £157 back off my card.
__________________
Reclaimed : £2160 from First Direct.
Reclaimed : £415 + costs from HFC/Beneficial
Reclaimed : £409 + costs + interest from RBS
(£544.39)
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5th March 2007, 19:43
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#13 (permalink)
| | Basic Account Customer | Re: Tom vs. BoS £409 credit card late payment fees
I just amended the Subject Access Request to say "late payment fees" and "overlimit fees" rather than excess overdraft fees and obviously said "credit card account" rather than "bank account".
Other than that, exactly the same rules apply really.
Last edited by heavy_t; 5th March 2007 at 19:55.
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9th March 2007, 14:40
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#14 (permalink)
| | Basic Account Customer | Re: Tom vs. BoS £409 credit card late payment fees
I've just received a letter dated 8th March from them saying "thank you for your recent communication", rather than "your letter dated....." which seems a tad unprofessional as it doesn't really indicate which of my letters they are answering!
It says they are currently reviewing the issue and will contact me within two weeks to let me know how the issue is resolved/progressing.
This letter doesn't seem to be worth the paper it's written on.
Once again, sticking to MY schedule... which means they need to respond to the court claim by March14th. 
Last edited by heavy_t; 9th March 2007 at 16:27.
Reason: Got the date wrong!
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9th March 2007, 16:27
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#16 (permalink)
| | Basic Account Customer | Re: Tom vs. BoS £409 credit card late payment fees
Quote:
Originally Posted by barbershop0  Hi Heavy T
I presume you mean 14th March.
Regards | Ooops! yes, I have edited my post now | |
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9th March 2007, 19:23
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#18 (permalink)
| | Basic Account Customer | Re: Tom vs. BoS £409 credit card late payment fees
Quote:
Originally Posted by mo did you ask for the 12.00 late payment fees? | They were all older ones for around £20 with the exception of a couple of newer £12 ones but I didn't bother claiming these. In hindsight I wonder if I should have... | |
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