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Sent off initial letter and have received the many bank statements. They only had the nerve to charge me £5 for the statements even though I sent a cheque for £10 for them. After a telephone call they refunded the £5.
Having gone through the many statements what I need to know is do I add interest to these charges now or do I wait to add the interest if I issue Court papers.
I am really getting into this now. I have sent off letters to HSB even though the accounts are being paid off by us at £5 per month. Most of the debt was through their charges.
Credit cards and catalogues will all be getting their letters by now
Hi carolbl
Don't add the 8% interest unless it goes to court, (or when you apply to MCOL). The FAQ have a step by step guide which is really helpfull.
Good luck!!
Lily
Alliance & Leicester;
LBA 22nd July 2006
Reply 31st July
MCOL 6/8/06
PAID IN FULL 25th August 2006..... DONATION HAPPILY GIVEN.......
I noticed yesterday that a DD was due out which would have put me overdrawn. I therefore went to the bank to pay in sufficient funds to cover the DD. The bank have charged me £25 to pay the DD. When I phoned the bank today I was told that as there was insufficient funds at the close of business the day before this DD was due it is therefore right to charge me. I was offered half the cost back and I said no I wanted it all as it was an unfair charge.
Another £25 to add to my list.
It amazes me that Banks think it right to debit at the beginning of the day but only credit at the end of the day. Whatever suits them I suppose.
Recieved a reply from my second letter stating "as previously mentioned on other threads" The OFT has commented that they cosnider the level of late payments ........ they were referring to....... credit card payments. They cannot accept..... unable to agree repayment.
I take it next step Court action.
Also read my statement throught internet banking. Future charges state £25 unauthorised overdraft Day 1. They have therefore charged me £25 for paying a DD even though I paid in sufficient funds and £25 for them to put me overdrawn by charging me that £25. All to pay a £10 DD.
If you have sent prelim and LBA then the next stage is court action as you rightly say. It seems to be moving a bit quickly. Can you just confirm that you are talking about the letter before action when you say second letter, or was the SAR the first letter you mentioned, and the prelim your second. It is not very clear from your thread.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Yes sorry. I sent the SAR then the prelim now the next step is the letter before action. Received forms from Natwest to open another bank account and once that has been done will send of the LBA.
Also sorting out the accounts for Studio Cards, Capital One and Shoe Tailor. Then I will start on the others.
Why don't you try just claiming off one or two to begin with so you get a feel for how it all works, and then take on others as these get settled and you gain more confidence. I know it is tempting to rush into it all at once, but I think it is better to take your time and make sure that you can cope with what you are dealing with. Also it can get expensive if you have lots of court claims to do at once, although you obviously get that back in time as well.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
1. Yes you can combine the 2 accounts into one claim.
2. With banks if you place the account in dispute they cannot take any action until the dispute is resolved. Assuming you are in arrears on the other accounts, are the charges more than the amount of the arrears? If they take you to court you can certainly claim your charges back.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
sent first letter and recieved one back from a/l stating that the OFT states that the charges are for credit cards and not bank charges. does anyone know if this is correct or are they stalling and do i need to send second letter (lba)
sent first letter and recieved one back from a/l stating that the OFT states that the charges are for credit cards and not bank charges. does anyone know if this is correct or are they stalling and do i need to send second letter (lba)
The investigation was into credit cards, but they commented on bank charges. You do need to send an LBA, and also start your own thread. Keep reading round the forums, FAQ's etc as there is a lot to take in, but most claims and responses from the banks are fairly standard, like yours.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Sent off initial letter and have received the many bank statements. They only had the nerve to charge me £5 for the statements even though I sent a cheque for £10 for them. After a telephone call they refunded the £5.
Apparently its humna error to charge you for them. As long as they refunded it, I wouldnt be too worried
Still say they are not paying me my money back saying that the OFT report touched briefly on current account and did not give specific recommendations regarding the level of charges.
Looks like I am going to have to issue now.
I need to do some reading on how to do it.
Sorry two questions
What Court do I issue in - will it be my local Court
Where do I find out how much the issue fee is
Sorry
Carol
A&L debt due £873.36
Studio Cards £851.54
Shoe Tailor £1137.96 and rising monthly
Capital One ?
If you use MCOL it automatically goes to Northampton and then gets transferred to your local court. If you file at the court, just take the N1 form in. Prices vary according to the size of claim. Keep reading FAQs etc, as all these questions are answered numerous times on the forum.
When the Liberals and Conservatives were in opposition they both agreed that banks should pay back high bank charges to customers. Nothing seems to of happened since they came into power as a coalition. PPI insurance has been sorted now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Should you be offered help that requires payment please report it to site team.
Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007
Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06
Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007
Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
A&l
they refunded the £5.
Reply With Quote
Lily 
Originally Posted by carolbl
