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.

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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.

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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)


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Thread: dilemma

  1. 22nd February 2007 00:08 #1
    jackster77 jackster77 is offline
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    Default dilemma

    hey guys I'm in a bit of a dilemma with regards to 2 bank accounts

    I used to work for a bank and have since left and have been subjected to a large number of bank charges with this bank - sometimes I'd phone the branch that i used to work for (were my account is) and they would refund a token amount of these charges so I was thinking of claiming back all the charges but would this seem unreasonable to the guys in the bank that I used to work in???

    Also I had a loan and an account with another bank i got into difficulties and got charges on the account etc - I got a Full and finalicon settlement from this bank and they knocked about £1500 of a £5000 debt - debt cleared account closed no record on credit report - should I let sleeping dogs lie here as the bank knocked some cash of my debt

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  2. 22nd February 2007 09:48 #2
    Seahorse Seahorse is offline
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    Default Re: dilemma

    Who gives a monkey's if they think it's unreasonable? It YOUR money, not theirs. Is it likely to affect your current employment if you rock the boat with your previous job? No? Then go for it.

    Seahorse

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  3. 22nd February 2007 14:31 #3
    crashbandicoot crashbandicoot is offline
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    Default Re: dilemma

    For what it's worth Jackster, you're claiming from the Bank rather than the branch specifically. All your letters will be going to the Head Office so your branch doesn't even need to be involved. And as seahorse says, who give a f..monkeys (!) what they think..it's your money at the end of the day. They weren't doing you a favour taking, or refunding some of the charges.

    As far as the other loan goes, if it was a Full and finalicon settlement I think it would be tricky re-opening that can of worms. I'd personally leave it but the choice is yours

    Crash




    DAY 1: 12/09 - S A R to British Gas
    DAY 45: 27/10 - Data Non-Compliance sent off
    DAY 67: 18/11 - N1 Deemed served
    DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06
    24 Days: E2Save Settled in full £70
    59 Days: Barclaycard claim Settled in full £134.39
    162 Days: Halifax Settled in full £1543.80
    179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs
    254 Days: Barclays 2 Settled in full £1450.91

    Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
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  4. 22nd February 2007 14:41 #4
    121o121 121o121 is offline
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    Default Re: dilemma

    I agree Jackster, and as seahorse says, if it won't affect you current job then go for it.

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  5. 5th April 2007 12:45 #5
    jackster77 jackster77 is offline
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    Default Re: dilemma

    thanks for your advise guys have started a thread about the ulster bank will be posting in it from now on see below

    http://www.consumeractiongroup.co.uk...k-ireland.html

    am waiting on only 4 statements from them to be received within 5 days will be posting on thread above how I get on

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  6. 5th April 2007 12:47 #6
    crashbandicoot crashbandicoot is offline
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    Default Re: dilemma

    Good for you

    Crash




    DAY 1: 12/09 - S A R to British Gas
    DAY 45: 27/10 - Data Non-Compliance sent off
    DAY 67: 18/11 - N1 Deemed served
    DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06
    24 Days: E2Save Settled in full £70
    59 Days: Barclaycard claim Settled in full £134.39
    162 Days: Halifax Settled in full £1543.80
    179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs
    254 Days: Barclays 2 Settled in full £1450.91

    Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
    Reply With Quote Reply With Quote
  7. 5th April 2007 12:53 #7
    jackster77 jackster77 is offline
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    Default Re: dilemma

    Quote Originally Posted by crashbandicoot View Post
    Good for you
    thanks for that - took your advise re the Full and finalicon settlement loan - Think I got of lightly enough there lol

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  8. 5th April 2007 13:05 #8
    crashbandicoot crashbandicoot is offline
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    Default Re: dilemma

    Yes, I agree, sometimes it is best to leave such things well alone, expecially if there was no damage to your credit rating. Just consider the £1500 that they knocked off as the amount you would have reclaimed in charges. I think you didn't end up too badly in the end

    Crash




    DAY 1: 12/09 - S A R to British Gas
    DAY 45: 27/10 - Data Non-Compliance sent off
    DAY 67: 18/11 - N1 Deemed served
    DAY 114: 03/01 - Judgment served £60 cheque rec'd; Prelim sent for overpayment refund of £393.06
    24 Days: E2Save Settled in full £70
    59 Days: Barclaycard claim Settled in full £134.39
    162 Days: Halifax Settled in full £1543.80
    179 Days: Barclays1 Settled in full £2450.45 + £447.02 in costs
    254 Days: Barclays 2 Settled in full £1450.91

    Advice & opinions offered are personal, and are offered informally, without prejudice & without liability. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
    Reply With Quote Reply With Quote
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