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I have just joined CAG as I am at an end as how to proceed with my claim for a refund of bank charges. I have followed the steps as laid out in moneysavingexpert.com. Sent 2 letters and have been told everything is on hold until a decision has been reached regarding how legal the claims are. My claim is nearly £6,000 over a 5/6 year period, plus interest. Can anyone please advise me on what my next action should be? Our financial situation isn't great and I really would like to keep the ball rolling regarding these totally illegal and unfair charges.
Cheers
Ian Mc
The advice on this forum as far as I can see is to pursue the claim right through to the court stage. It is for the court to stay a claim, nobody else. Keep at 'em!
The advice on this forum as far as I can see is to pursue the claim right through to the court stage. It is for the court to stay a claim, nobody else. Keep at 'em!
Very true Carry on with your claim.
Regards.
Scott.
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The advice on this forum as far as I can see is to pursue the claim right through to the court stage. It is for the court to stay a claim, nobody else. Keep at 'em!
Is this aimed at Me? if it is read the post correctly, I said:
unless you can claim under the hardship rules then I am afraid you are in the same boat as the rest of us and awaiting the court case to be finalised
Dont see any mention of ON HOLD there,
PGH7447
Getting There Slowly
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Advice is given freely but is in no way meant to be taken as Gospel
If you take your case to court - the banks are likely to ask for a stay until the main court case is settled.
At this point you need a good arguement as to why this should not be granted as the court will be inclined to grant it.
I would argue personal hardship - that you, in your opinion, have been wrongly charged all this money and it has caused you a good deal of financial strife.
Opinions are offered in good faith based upon personal experience and research. Before making any irreversible decisions the opinion of a qualified, registered and insured legal professional should be sought.
If my advice or information has assisted you in any way - please click my scales.
thanks
[COLOR=red]Nat West Charges £1056 [B]WON[/B][/COLOR]
[COLOR=#ff0000]RBS Charges £3600 [B]WON[/B][/COLOR]
[COLOR=#ff0000]RBS Unenforceable Loan £18500 [B]Pending[/B][/COLOR]
[COLOR=#ff0000]RBS PPI on loan above [B]Pending[/B][/COLOR]
[COLOR=red]MBNA Credit Card [B]CCA & SAR Sent[/B][/COLOR]
[COLOR=#ff0000]Co-op Credit Card [B]CCA Sent[/B][/COLOR]
I too am new, or at least revisiting, I have recieved the last 6 years statements recently. I have gone back 16 months so far and I am uto 2k in charges.
I phoned the bank to get an overdraft today, at present £0 and just wanted a small o/d for £200 til payday but computer says 'no'!!
Asked for the postal address for claiming charges (as i bank on line) and she said no need, she'd record it and i should just wait for the court case.
But i am in short term trouble at the mo' for the sake of £200.
I am furious. Can I really continue with my claim with the court case still on-going
Thanks Scott, I have been a bit slow really thought it might be folly to try and claim with the crunch on-going. wish I had revisited this wonderful site sooner. I just hope that the test case is not influenced by the crunch and the support the government are having to give the banks.
But having been charged £118 for going £2 o/d on the same day as my salary went in, i just want my money back if i am entitled.
New to Forum/Bank Charges Question
as I am at an end as how to proceed with my claim for a refund of bank charges. I have followed the steps as laid out in moneysavingexpert.com. Sent 2 letters and have been told everything is on hold until a decision has been reached regarding how legal the claims are. My claim is nearly £6,000 over a 5/6 year period, plus interest
. Can anyone please advise me on what my next action should be? Our financial situation isn't great and I really would like to keep the ball rolling regarding these totally illegal and unfair charges.
Reply With Quote
Originally Posted by Trilby274
Carry on with your claim.
Will let you know how I get on.