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I posted my query regarding Trust Deeds and received a reply advising me to
ask advice from Scottish members. Can anyone help?
Due to serious health problems and a long period of unpaid sick I found myself in serious financial difficulties and sought advice from the local council debt advisory service. They advised me to enter a Trust Deed and I signed the deed last year. Subsequently I have had to resign from work as consultant advises that I will be unable to return to work for at least another year. I have continued to pay my contribution to the trust deed although this has been a struggle. Could you please advise if I can still reclaim bank charges / credit card charges in this situation.
Sandy
As far as I can tell, Sandy, personal circumstances don't enter into the equation. All that matters is that you got charged by the bank, unlawfully, and you are entitled to get the money back. If I was you, I'd go through the process as quickly as possible and get your claim completed. The bank's lawyers will be beavering away looking for a way around this, so the sooner the better.
Just Do It.
Good Luck
Bank of Scotland
Letter asking for Statements - 24 Apr 06
Recieve Some Statements - 29 June 06 (rest recd. on 18th Jul)
Planning claim - 30 June 06
Preliminery Letter Sent 3rd July 06 - claiming £4143 (recorded delivery)
Standard letter recieved - no offer - 13 July 06
LBA sent 18 July 06 (signed for on 19th)
Recd. phone call 21st July 06, offered £210 then £600. Refused.
Moneyclaim Online submitted for £4398 (11th Aug 06) Letter rec.d informing of full reimbursement within 5 days (23 Aug 06)
MBNA Credit Card
Planning claim - 2 Jul 06
Letter asking for statements sent 3 July 06 (recorded delivery)Preliminery letter sent recorded 8th Aug 06
Sent LBA 22 Aug 06
Applied for RBS parachute account - 3 July 06
More details needed, posted current statemets - 12 July 06
Alex thank you for your encouraging message. I had started process then wondered if this was acceptable in my circumstances. Sent Data Protection Act to the Bank of Scotland on 14 June requesting copies of statements. On 24 June received copies of only 1 years statements instead of 5years as requested. Contacted bank,advised that they will send the rest in 7 days.
I will "Just Do It"
Regards
Sandy
Originally Posted by alexcraw
As far as I can tell, Sandy, personal circumstances don't enter into the equation. All that matters is that you got charged by the bank, unlawfully, and you are entitled to get the money back. If I was you, I'd go through the process as quickly as possible and get your claim completed. The bank's lawyers will be beavering away looking for a way around this, so the sooner the better.
From what I gather about Trust Deeds ANY monies recovered by yourself will go to your Trustee and into the pot to pay your creditors.
Best of luck in reclaiming what is rightfully yours
CharlieHo
Nationwide Total settlement for first claim £810.92 (Charges £570.00) total charges £2579.00 (Another 4 claims to make)
Tesco personal Finance -NO penalty charges see post end thread
Egg DPA complaint sent to ICO see thread
Egg also trying to get defaults removed Abbey National/MBNA credit Card - Eventually settled in FULL
Advice & opinions of CharlieHo are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.
Yes I think this is indeed the case, but I feel so strongly that I ended up in this dreadful situation mainly through these unlawful charges so I am willing to go through the procedure to reclaim
Scotland Help Regarding Trust Deed
to the trust deed although this has been a struggle. Could you please advise if I can still reclaim bank charges / credit card charges in this situation.
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Originally Posted by alexcraw
