Hi Bev, no the 8% int goes on at court claim not before ok? and just to say that natwest step account do do a credit check! ive just opened one and ive got very poor credit rating and it showed up on my credit report, i still got the account tho so dont worry! if you do internet banking co-op cashminder is better than stp a/c:)

Hi Guys!!!! Thanks for all the replies and advice!!! Can assure you that I will keep you all posted on developements as soon as I can - time allowing!!! Hear what you say with regards to noting all the hours I have spent sorting this out....think I will get all my other issues resolved first - and then look at everything else!!!! Plus I think Mr Spicey would rather like a little time off from me before I start to open another can of worms!!! Mr Spice - I am going out tonight to get rather drunk and hopefully have the first proper nights sleep that Ive had in months....even if some would class it as passing out!

Marciag. You should always be prepared for the fact that your case could go to court. But with the exception of the one mentioned, the banks pay up rather than go to court, sometimes, literally, on the court-room steps. There is an effective counter for the Natwest defence, and if a case did go to court then we would be looking for full disclosure, in detail, of the cost of bouncing a cheque, etc. That is something the banks have no desire to do. Just remember that there is one hell of a lot of knowledge and experience available on this site, so if you have any problems, just post them on your thread..... the answer won't be f

I, too, am in Scotland. I have today sent off my DPA request letter to Cap One. I'm relatively new to all this but if you click the FAQ thread in the Libraries forum there is a thread with step-by-step instructions on claiming back your charges. I found it helpful to print these out so that I have them to hand instead of having to go through them each time I sign in to the forum. Dunno about the Courts part of claiming the charges yet as I'm still in the early stage, that's something I've still to read up on. Good luck with your claim and hope I've helped with your query.

Thanks and welcome, good luck to you also, give a shout if we can be of further assistance later on ok?

You can combine them into 1 claim, much simpler to keep track of everything

They took 28 days to send my statements out. I think they are a little overrun at MBNA! I wrote a polite reminder letting them know they had 12 days left to respond and it crossed in post as I got statements the day after I posted my letter. They responded with 14 days to the prelim and my LBA went off today. It looks like they take their responses close to the wire. Good luck in your claim.

dont worry too much, they are very busy at the moment, they will take notice when you submit your court claim though

Hi The company is called Debt Managers Limited and they are a debt recovery / management company. However i have not been able to find a phone number for this company. I have however found what i believe to be a sister company and the details are as follows: Debt Managers Ltd 4, Jamaica St, Edinburgh, Midlothian EH3 6HH Tel: 0131 220 6060 Hope this is of some help, let me know by clicking on the scales above!! Sue

Mild amusement over the weekend, MBNA has sent me 3 replies to my 2 letters! If they don't know what they are doing with simple replies to 2 numerically separate accounts then it is now wonder they miss deadlines or cut it very fine!

Sorry to jump onto someone elses thread, but I am really interested in what has happened here as I want to avoid it for my own case. At what stage should the OP have stated that they wanted the refund in the form of a cheque and not placed in their current account? (I have only sent off my first letter) I could not find this info in the FAQ

Time and time again, Bankfodder and the other Moderators exhort forum members to read all the FAQS and as many threads as possible before beginning their actions. In most cases where settlement is offered, you would have seen that the bank often states that the agreed sum will be placed in the relevant account, and had you read any of those threads you would have seen that some members had asked for [and received] a cheque instead. So it was down to you to stipulate, prior to signing, how you wanted to be reimbursed. Now that you have shown fuller details under which you signed, one can understand why they were keen t

Stick to that address as it leaves a paper trail you can refer back to if needed in court, ie: you wrote to your local branch, they didn't respond. You wrote again to your local branch (the LBA), citing the fact they didn't respond to your first letter. What date did the prelim get signed for? Some people on here will stick to 14 days exactly from delivery, I'm more inclined to give it a few days extra to take into account the weekends and postal delays.

hello and welcome to BAG the best bet is if you go to the Lloyds-TSB forum here http://www.consumeractiongroup.co.uk/forum/lloyds-bank/ and start a new thread, people will be able to assist you im sure

Hi Lizzy, Firstly a big hello and well done for taking the first step! The best thing you can do is take a couple of days to have a really good read of the FAQ section and have a wee browse round the site. Once you have done this you will have a far better position to take on the bank and you will feel a lot more confident too. Once you have done some reading, if there is anything your not sure of, feel free to post back any questions. Good Luck Woolfie

Download the spreadsheet from the templates library and enter the penalty charges on to that. It will total it all and work out interest. Then print it out and send a copy of the spreadsheet. That is your schedule of charges. IMPORTANT. don't forget to save a copy of the completed spreadsheet on the PC .

Hiya, sorry I've just noticed your thread. I got a similar response & I'm considering whether or not a second complaint to the Information Commissioners Office about them is in order. They're claim that we're not entitled to details about Manual Intervention are surely rubbish (they lied about the details covered under the DPA at 1st- see my thread JMio Vs Clydesdale Bank), so I've little doubt they'd try the same with this. That said, tot up the charges & send them a Prelim Letter to ask for them back in the meantime. Oh, and keep us posted - help is at hand if you need it!

Got this back today. Seems to be the standard reply letter, as far as I can tell: Interesting that given the content of the template preliminary approach letter, at no point does the bank try to defend the charges as lawful. Neither does it attempt to defend the charges as proportional to their expenses. Could this angle be taken in a small claims court defense, I wonder?

Next we will all get the same letter saying sorry but not this time. They are just waiting till the end of the 2 weeks to send out the reply.