Could somebody let me know if it's possible to claim the arrears charges back from the mortgage company (Birmingham Midshires). They have just sent me three letters all saying the same all with same charge and arrived on the same day. Iwould be able to do to them what I did to the bank thanks for helping in advance:-x

The judgement will state what day the bank have to give you your money back. If they dont pay you back on or before that date, you go back to court and apply for a warrant of execution or in other words you are applying to the court to send in the bailiffs

the judges are getting hacked off with banks. The judge at my court didnt even bother with a Q&A form, and give the banks a few days to settle. They also ASKED D&G to provide any evidance to any case the have succesfully defended, as of today they have failed to do so. On monday I apply for a warrant of execution. I was also offered a settlementm which I have turned down good luck

Have already informed the manager, thats what I will be doing. I took my letter in to the branch this morning, they still hadnt a clue what a Warrant of Execution was, when I informed the service adviser in the branch, he just said great we can have an extra day off shows how much they care

This made me laugh, arrived in the post today from HSBC-Leeds;) Dear Mr N Further to our letter dated 28th June 2007 we have not recieved any responce from you. Please can we ask that you respond within 7 days otherwise we will consider the matter closed in our records. Yours sincerely Mark Loker Service Manager Seems this bank havent got a clue with whats going on.

I have bee into the bank and told them, if its not in my account by monday, I will apply for Warrant of execution. The manager didnt even have a clue what it was. I got the feeling when I informed him, that it means sending in the bailiffs, he didnt look too pleased. As if I care about that seeing its them who owe me. Too right Ill be keeping the site informed, its a brilliant site for information and I know some of my friends use it.

So far, ive gone through all the normal procedure's of applying to the courts, and the courts have given the bank until monday 23rd to pay my charges back into my account. I tried to check my account by using the hole-in-the-wall, which took my bank card off me. On my visit to the bank to try and get some information out of them, I was informed that a letter had been sent to me from DG (dated 28th June)with regards to an offer, which I had not recieved. Anyway the Branch manager made contact with HO which took about an hour to get through, who informed him that they would not be paying the money into my account by Monday as they had not recieved my reply to their offer. I have now written to them declining the offer, and attached a copy of the courts judgement. After my visit to the bank I aprroched the court to gather information as to my next step. I have been informed that I need to wait until Monday after which I can apply for a Warrant of Execution. I may have to go through all this again, as I have another claim waiting to be put into court for £550, yes they are still taking charges of me. Hope that helps:)

I was hoping for my bank to pay my charges back into my account by Monday, but having been into them today, they have informed me this will not happen, even through the judgement order states they must. One of the excuses they give me was that an offer letter was sent out to me, which I have not seen, until my visit to the bank today chasing the money. I have declined the said offer and now need to write to confirm this. It looks like my next step is to file for a warrant of execution. I was wondering if anyone else has taken this step and how they got on once it had been filed with the bailiff,s. The bank owe me £3,315 offer £2,792

point taken, it was my first time posting. Ive already learnt a lot from reading other postings. Of which I have taken note of. many thanks

just to help. You will find a calculater on martin's money site, it will calculate all your charges for you. Just c&p the figures and save them. You will need them for anothe day