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I was introduced to this forum by a friend who was succesful in having his money returned. I however am struggling at the first hurdle! I have sent the initial letter asking for the exact amount of penalty charges to my account, however 40 days has passed and no reply....
Could someone please let me know what the best course of action would be from here on in.
How much would the payment be? I was under the impression that they would let me know if they required payment as this varies between banks... I have now sent it via recorded delivery and asked for a response within 14 days...
My request went over the 40 days, I called them on the 41st day and lodged a complaint. I got a letter today saying I should receive them in the post soon. You should try calling them, seems to have worked for me...
I have spoken to Barclays and they assure me that I should now have the information sent to me within 14 days!
I believe the next step to take is to send in another letter asking for the details of the individual costs (How they incurred £30-£50 worth of costs themselves) for each charge. Is this right or am I jumping the gun?
Yo uneed to follow a set procedure to ensure that you have the best chance of getting the data and your moeny back.
You should send the SAR and incude the tenner, thats the max they can charge. the SAR sets out what you want formally, if you havent included the same info in your letters then they are worthless and the bank can ignore them and your request.
Giving them 14 days may be ok assuming your orignal approach was ok, if not then i suspect the best course of action is to go back to the start, do not pass go and do not collect 200 pounds!
If you havent done so already, try reading the faqs there is a step by step guide in there which sets out the best procuedre.
Finally, dont rely on what the bank says it will do, they are not your freinds, you may end up in court suing them. Do things legally then if you do end up in court you have the best chance of getting your moeny back.
HTH
Glenn
Ps it is true that some banks are not charging, this is at thier discretion, if you dont send the payment they dont have to process your SAR. If you do and they dont cash it thats thier problem. If youve offered then you have compied with what the courts would expect you to do.
Kick the shAbbey Habit
Where were you? Next time please
Abbey 1st claim -Charges repaid, default removed, interest paid (8% apr) costs paid, Abbey peed off; priceless
Abbey 2nd claim, two Accs - claim issued 30-03-07 Barclaycard - Settled cheque received
Egg 2 accounts ID sent 29/07 Co-op Claim issued 30-03-07
GE Capital (Store Cards) ICO says theyve been naughty
MBNA - Settled in Full
GE Capital (1st National) Settled
Lombard Bank - SAR sent 16.02.07
MBNA are not your friends, they will settle but you need to make sure its on your terms -read here Glenn Vs MBNA
I gave them 40 days...
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Re: I gave them 40 days...
