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Everything posted by reclaimone

  1. In my opinion: If you are in a final salary scheme, they do not have to accept transfers if you have been a member for more than 12 months. If your pension is a money purchase scheme, it should be accepted.
  2. Sorry guys i forgot to say its a business account! My business letter did say that if you dont agree with my claim please provide a full breakdown of charges acceptable.
  3. Did do. They sent a list of unpaid s/o & dd charges for last 6 years. Covering sheet saying they did not class debit interest, stopped cheques etc as charges. Can i report them to anyone?
  4. Heard about this loads of time! Bank will say (as you say) its your responsibility to cancel old policy. Complain to FOS.
  5. The only thing you can do is transfer to your new pension where the charges will inevitably be less than Crapwest.
  6. Hi, Sent schedule of charges to HSBC asking for me money back, nearly £3K. They have told me to resubmit schedule as "total charges" is insufficient, as this covers various charging components that need to be split and itemised?! It is down on my statements as "total charges"! Surely its their job to supply correct information when i submitted SAR? They also have said i cannot claim for debit interest as this was detailed when the formal overdraft limit was agreed, and is a condition of the borrowing. Anyone help?
  7. Received a letter today saying they will not change their mind! Help - what next?
  8. They sent a list of unpaid s/o & dd charges for last 6 years. Covering sheet saying they did not class debit interest, stopped cheques etc as charges. Basically they were deciding on what to send me, so i rang them for amended letter inc debit interest and stopped cheques.
  9. Ha Ha! No they are now including the charges i asked for to original list received. Thanks for your help lateralus.
  10. Thanks for your prompt reply. Read that the other day which confirms im right. Spoke to HSBC today who are sending amended charges schedule. Yippee!
  11. Can anyone help on last question? want to send bundle off!
  12. Thank You. Do the witness statement, and statement of evidence need to be indexed in the court bundle like statements, case law etc?
  13. Have court date in Nov 07 Received below from court: The Claimant shall within 14 days of service of this order send to the Defendant and to the Court: a) A schedule setting out each charge repayment of which is sought, showing the date, amount, and reason given (if any) for that charge being made; b) copies of any statement or other document relied upon as showing that each and every charge has been made; c) a statement of evidence of all matters relied upon as tending to show that the charges are irrecoverable as penalties or otherwise; I have prepared everything for my court bundle. My question is where do the witness statement, and statement of evidence go in the bundle? Appreciate any help
  14. Hi everyone. Added up charges. Comes to nearly 3K. They have not included overdraft interest or fees for stopping a cheque? Say the fees were advised when the service was provided. I think this is wrong - can someone confirm so I can write back asking for a list of these. Ta:o
  15. Hi, Court Hearing at Leicester for hour on 27/11/07. Got to serve by 31/8 Schedule, Copies of everything. Do i just send bundle, or witness staements as well? Thanks
  16. Hedgey, Shall I send a copy of CPR 18 letter to the courts as well? Thanks
  17. Thanks for your help and efficiency.
  18. Hedgey add initimidating CPR 18 letter from RBS. Can u post me the letter i need to send when court does not order me to respond. Cant find next to your signature! Thanks for your help
  19. Hi Paulo. I got a similar request (CPR 18). Shall I ignore this letter, and just wait for it to go to small claims court? Thanks for any help.
  20. I have just recieved same standard letter, even though they have not read my correct business claim letter. Whats the next step? do we have a standard letter to respond back?
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