Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
923 Finchley Road
London
NW11 7PE



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  1. #1
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    Default bank charges help needed

    i wrote to my bank to claim unfair charges, on the 14th day i recieved a letter stating that until the test case was decided the will not do anything is there anything i can do ?


  2. #2
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    Default Re: bank charges help needed

    How far does your claim go back?


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    Default Re: bank charges help needed

    the bank has to supply the information requested, only the court has the power to stay a claim.


  4. #4
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    Default Re: bank charges help needed

    Thats good advice from marcaz, If you should wait for the test case to conclude then you can claim 6 yearsicon from that date, this might go on a while longer, so issue your claim now.

    Andy


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    Smile Re: bank charges help needed

    Also, the sooner its in court, you then can earn 8% intrest.
    also if you qualify as a hardship case, you may get an offer in lou of test case.


  6. #6
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    Default Re: bank charges help needed

    Quote Originally Posted by old_andrew2007 View Post
    Thats good advice from marcaz, If you should wait for the test case to conclude then you can claim 6 yearsicon from that date, this might go on a while longer, so issue your claim now.

    Andy
    Currently the fsa waivericon means charges back to 27th July 2001 can be reclaimed.


  7. #7
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    Default Re: bank charges help needed

    Quote Originally Posted by marcaz View Post
    Also, the sooner its in court, you then can earn 8% intrest.
    also if you qualify as a hardship case, you may get an offer in lou of test case.
    fsa waivericon:

    13.16 (b)

    "in relation to such complaints, if the outcome of the test case produces a result that is more favourable to the complainant, the firm must take all reasonable steps to pay any difference in the amount of compensation actually received by the complainant and that that the complainant would have been entitled if his claim has not been settled by the firm then; and"


  8. #8
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    Default Re: bank charges help needed

    my claim goes back about three years, the letter from Nationwideicon states that any court claims will be not proceed until the test case has been resolved.
    any ideas on the next letter i sfould send.

    Thanks All


  9. #9
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    Default Re: bank charges help needed

    have they supplied all bank statements going back up to six years yet.


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    Default Re: bank charges help needed

    no i down loaded all my statements from my internet bank which to be honest they back far enough


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    Default Re: bank charges help needed

    have you entered the amounts on to a spread sheet yet.


  12. #12
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    Default Re: bank charges help needed

    Quote Originally Posted by marcaz View Post
    have they supplied all bank statements going back up to six years yet.
    It's not 6 yearsicon, the clock stopped on 27th July 2007 on the announcement of the OFT test case so it is 6 years from that date so july 2001 to present day.
    Do I have to quote fsa waivericon on that as well?


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    Default Re: bank charges help needed

    yes i sent the amount on a spread sheet


  14. #14
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    Default Re: bank charges help needed

    If you are on benefits you make a court claim free.
    Did you add interesticon at the banks unautherised rate, makes a big difference.


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    Default Re: bank charges help needed

    yes i did, i was realy after a next step letter to follow up my first letter


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    Default Re: bank charges help needed

    Quote Originally Posted by isoprox View Post
    yes i did, i was realy after a next step letter to follow up my first letter
    it's letter before actionicon ie 14 days or you take court action(which will automatically be stayed)



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