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. 11th January 2007 20:57 #1
    milliemoo milliemoo is offline
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    Default I didn't write one letter and I received over 2/3 of my charges back

    I phoned customer service and asked who I should call to speak to about my bank charges and I was then put through to customner complaints...
    they obviously have a standard procedure.. I asked ( sounding as friendly as possible I may add).. how I could go about claiming my charges back. The woman was very helpful and said she could log the complaint over the phone and that i would hear something in ten days. 3 days later I received an offer letter. i had had no details of my charges which the woman said would automatically be sent to me si I called her back. She could now tell me what my total charges were. I told her I did not want to accept the offer and she asked whay I wanted. I told her a figure and she said I would hear back from the other department. 2 days later I received a higher offer, not what i had asked for but it was an amount I was happy with. i simply had to fax back a signed form (I could have posted it but I prefered to fax then call to check she received it!) The money was put into my account the next day. Overall, a very good service. i had stated from the beginning that I did not want to close my account with them and they said they would not ask me to do so. Th only thing i have noticed since the payment is that they will not let me go a penny over my limit which they have let me do for years. never mind, it's probably for the best!! good luck...= my whole process took a week and no letters.

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  2. 11th January 2007 22:00 #2
    alexifa alexifa is offline
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    Default Re: I didn't write one letter and I received over 2/3 of my charges back

    Well done!!

    (But they still have 1/3 of YOUR money)

    HSBC
    7th October 2006 - Prelim for £3078
    24th October - LBA
    7th November - Claim filed
    11th November - Acknowledged with intent to defend
    11th December - Defence filed
    16th December 2006 - Offered full amount but no default removal. Rejection letter sent.

    Halifax
    7th October 2006 - Prelim for £3427
    24th October - LBA
    3rd November - Offered £913
    3rd November - Accepted as partial payment
    7th November - Claim issued
    21st November - Acknowledged with intent to defend
    11th December - Offered full amount but no late payment removal
    4th January - SETTLED + removed adverse credit info

    A & L
    19th October - Prelim for £540
    26th October - Offered £358
    2nd November - Accepted as partial payment and LBA
    27th November - SETTLED + removed adverse credit info
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  3. 11th January 2007 22:13 #3
    bmw323i bmw323i is offline
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    Default Re: I didn't write one letter and I received over 2/3 of my charges back

    Did they ask for confidentiality in the offer letter?

    How do you know the amount of charges they said you had been charged was the correct figure?



    Emz

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    Barclays Bank - £2238.33 Settled 02/01/07
    Bristol & West - S.A.R sent 12/01/07

    Read my successful thread here


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    bring you a more pleasant form of misery'
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  4. 13th May 2009 18:24 #4
    seeker27 seeker27 is offline
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    Default Re: I didn't write one letter and I received over 2/3 of my charges back

    How do you work out what is owed? Please excuse me if I appear dim. I have a number of issues on the go and suffer with severe pain and my meds make me so tired - mentally I'm on a go slow!!!

    Appreciate any help - thanks in advance.

    seeker27

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  5. 14th May 2009 01:29 #5
    slick132 slick132 is offline
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    Default Re: I didn't write one letter and I received over 2/3 of my charges back

    Hi Seeker,

    What bank(s) are you talking about. You can start a thread to discuss your case in the appropriate forum.

    To find out what charges you can reclaim, if you don't have bank statements for the last 6 yearsicon, send the bank a SARicon with the £10 fee.

    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerwiki.co.uk/index....erest_Tutorial
    Link 4. OFT Guide re s.78 CCA1974 Requests - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

    Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

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  6. 14th May 2009 01:32 #6
    slick132 slick132 is offline
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    Default Re: I didn't write one letter and I received over 2/3 of my charges back

    Hi MillieMoo,

    Are you happy with the amount refunded - if so, Congratulationsand well done.

    If you want the rest back, you'll need to write to the bank reclaiming the balance they have NOT refunded. Enclose an SOC.

    Read the Reclaim Guide in Link No1 in my signatureicon below.



    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerwiki.co.uk/index....erest_Tutorial
    Link 4. OFT Guide re s.78 CCA1974 Requests - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

    Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

    If I've been helpful, please click my scales.
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE