MrPromiscous V Woolwich... Starting Tips Please !

[mrpromiscous]

Hi guys I've been using this site for around 3 months now reclaiming bank charges for myself and my partners account with success so far then I stumbled across the ERC thing.... hummmmmm more money lol
We setteled our mortgage last year when moving and had to pay a 2.5K ERC due to the fact we were tied in for the first 5 years of the mortgage and only 3 had ellapsed. So am I entittled to claim this back ???
All views very much appriciated, the advice given in the bank charges forums has been unbelievable and instrumental in achieving my successes.

MrP

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[zootscoot]

Click the link on my signature where you will find most of the answers to any questions, template letters and particulars of claim.

Best of luck

Zoot

[mrpromiscous]

cheers mate nice 1

[Les Gunn]

mrpromiscuous - Zoot is a lady...! lol

Good luck